Arquitectura empresarial en una microfinanciera en el Perú

Abstract

The increase in the heavy portfolio of clients is a problem that occurs in companies in the microfinance sector, considered as one of the reasons why many small microfinance institutions go bankrupt and end up transferring their debts to other institutions with greater purchasing power. There are some solutions for the heavy portfolio problem, but they deal more with the economic issue than the technological or business processes, not taking into account the interaction or integration of the main processes of the microfinance, such as the placement of credit products, starting with the design and elaboration of these until collection. This paper proposes a business architecture in response to the heavy portfolio increase. It is for this reason that the TOGAF frameworks will be used, following its ADM methodology for the development of architecture. Likewise, the model of processes present in the BIAN standard will be considered to verify its applicability in microfinance institutions when establishing the starting processes. The final result was that the sale of the heavy portfolio was significantly reduced, due to a greater control of the process and the use of systems that allow managing and getting to know the people who apply for loans, avoiding future indebtedness.