Propuesta metodológica para reducir el riesgo de fraude al otorgar créditos en almacenes de electrodomésticos de Guayaquil.

Abstract

The home appliances were created for a simplification to daily life, that is, by a need for their use in homes, businesses and businesses in general, becoming one of the main economic growths in society, in view of their high costs to acquire them, it evolved into business different payment facilities such as the cumulative plan and short-term direct credits; however, in recent decades warehouses in recent decades appliance warehouses have been very vulnerable to cases of impersonation and commercial fraud, which, according to complaints made to the State Attorney General's Office, It has been known of citizens who have been victims of these criminal acts, which is why it was pointed out that their variables of study are fraud and direct credit in the sector of Guayaquil. For this analysis, a prospective observational study was developed, with a type of conclusive descriptive research, through primary and secondary sources, applying the mixed approach, in which interviews were conducted with experts and surveys of the internal and external client of appliance warehouses, to know your point of view on the problem and implement a methodological proposal to avoid risk of fraud when granting credit in Guayaquil's commercial houses. This proposal to be implemented will serve as a guide or procedures to safeguard customer information, which is established by punctual ideas regarding the planted objectives and suggestions relevant to the development of the proposal.