O IMPACTO DA ANÁLISE DE RISCO NA GESTÃO DE CRÉDITO; ESTUDO DE CASO : Á EMPRESA DINOFILM SOM & IMAGEM, LDA CAXITO-BENGO: Io SEMESTRE DO ANO 2024.

Abstract

The present work focuses on credit risk analysis. Than It is an essential practice that not only protects financial institutions, but also protects financial institutions. It also contributes to a more responsible and sustainable credit environment for companies. Therefore, this monograph has as its theme: The Impact of Risk Analysis in Credit Management, Study carried out at DINOFILM SOM & IMAGEM, LDA Caxito-Bengo, in the first semester of 2024.The work raises the following issue: What is the Impact of Risk Analysis on Management Credit? With this, the following hypotheses are presented: H1- The analysis of risk in credit management allows you to guide and validate the process of granting credit by the company to its customers. H2- Credit analysis can help reduce customer defaults. H3- The lack of analysis of risks in granting credit can compromise the company financially. With this it was necessary to raise the general objective: Understand the impact of risk analysis on credit management. Objectives Theoretically substantiate the impact of risk analysis on management of credit. Explain the benefits of risk analysis in credit management. Analyze the factors that should be considered in a risk analysis of credit. Present the role of risk analysis in decision making. It used a descriptive research, and a mixed approach (qualitative-quantitative), and how Technique The questionnaire was used for data collection, the universe is 12 employees, of these, 8 represent a sample. However, the risk analysis seeks to identify and measure the risks involved in granting credit, considering the probability that the borrower will not honor its financial obligations. This type of analysis uses statistical models and indicators to determine the viability and terms of the credit. An analysis Allows you to identify potential delinquent customers and Avoid losses arising from the non-payment of debts. In addition, credit analysis assists in the definition of credit policies and the selection of business partners Reliable.