Crédito y cobranza

Go to Course: https://www.coursera.org/learn/credito

Introduction

### Course Review: **Crédito y Cobranza** offered by UNAM on Coursera If you're looking to enhance your knowledge and skills in the field of credit management and collections, the **Crédito y Cobranza** course offered by the National Autonomous University of Mexico (UNAM) on Coursera is a remarkable choice. This course dives deep into the credit function within business cycles, providing learners with vital insights into credit policies, applicant analysis, and risk management. #### Overview This course offers a comprehensive exploration of credit management, emphasizing its critical role in business operations. It discusses the intricacies involved in creating effective credit policies, analyzing credit applicants, and implementing efficient collection strategies—all while focusing on minimizing the risks of bad debts. From understanding different definitions of credit to the historical context of credit practices, this course acts as an excellent foundation for anyone interested in this field. The course is structured over several modules, each meticulously designed to build on the previous one, via a logical flow that culminates in practical applications in the world of credit. #### Course Syllabus The course is broken down into several key modules: 1. **El Crédito**: - This introductory module delves into the various definitions of credit and traces its historical journey, starting from as early as 1100 B.C. with the Phoenician culture to contemporary credit instruments. This rich historical perspective deepens the learner's appreciation for the evolution of credit. 2. **Departamento de Crédito y Cobranza**: - Understanding the necessity of a dedicated Credit and Collections Department is paramount for any business. This module discusses different organizational structures and functions, helping learners understand how a well-structured department can bolster a business's credit strategy. 3. **Políticas de Crédito y Cobranza**: - Here, learners will explore the development of credit policies tailored to their products and target clientele. The module emphasizes best practices in setting policies that reflect economic conditions and informs critical decision-making regarding credit issuance. 4. **Análisis de Crédito**: - The course equips learners with practical tools like the “5 Cs of Credit”—character, capacity, capital, collateral, and conditions—to perform effective credit analysis, aiming to mitigate risks associated with credit issuance. 5. **Cobranza**: - This crucial module discusses instruments and strategies for efficient collections, ensuring that learners understand the importance of timely reminders and how to deal with unsuccessful collections. 6. **Cuadro de Honor**: - Although optional, completing certain activities throughout the course can earn students a special recognition, enhancing their certificates and providing additional motivation to engage with the content. #### Learning Experience UNAM, being a prestigious institution, offers high-quality content, guided by experienced professionals. The course materials are presented clearly, and the interactive nature of the platform facilitates easier understanding. There are quizzes and assignments that test your comprehension and provide practical application of the theories learned. #### Conclusion & Recommendation Overall, the **Crédito y Cobranza** course stands out for its comprehensive approach to credit management. It is well-suited for financial professionals, business owners, or anyone interested in better understanding the credit landscape and its significant impact on business health. I highly recommend this course for those who wish to gain a robust understanding of credit systems or improve their company's credit management practices. With its blend of historical context, practical analysis, and strategic insights, this course is invaluable for both novices and seasoned professionals in the field of finance. Enroll today and take a significant step towards mastering the art of credit management and collection!

Syllabus

El crédito

En este módulo analizaremos las diferentes definiciones del término crédito, así como una breve historia de éste, desde sus orígenes, alrededor del 1100 a. C., con la cultura fenicia, hasta nuestros días, con diferentes títulos e instrumentos de crédito.

En toda empresa es necesario un Departamento de Crédito y Cobranza que permita planear la función, a través de una estructura y funciones bien delimitadas; por ende, analizaremos los diferentes tamaños y tipos de organización, que orillan a diferentes estructuras y alcances de dicho departamento.

Recuerda que una política es una guía de actuación de carácter general y sujeta a revisión periódica; en tal sentido, las políticas de crédito deben considerar el tipo de producto o servicio que ofrece, la clientela a quien va dirigida y las condiciones económicas imperantes, de tal forma que se debe considerar la aplicación de políticas liberales o conservadoras, que guíen las decisiones de otorgamiento de créditos, en términos de monto, plazo, tiempo, tasa y descuentos, así como el lugar, forma de pago e intereses moratorios, para el caso de la cobranza.

Si bien existen diferentes herramientas para analizar el otorgamiento de un crédito, emplearemos el de las 5 C´s del crédito, a través de la cual se realiza un estudio del carácter, capacidad, capital, colateral y condiciones del cliente y la operación solicitada; lo anterior con el objetivo de minimizar los riesgos de cobranza en los créditos emitidos.

Exploramos los diferentes instrumentos de crédito que nos permiten ejercer la cobranza de los créditos pactados, así como los métodos para recordarle a nuestra clientela de sus pagos y qué hacer en caso de una cobranza sin éxito.

Las siguientes actividades no son necesarias para completar el curso, pero si lo haces, recibirás un reconocimiento especial que se verá reflejado en tu certificado.