Propuesta de rediseño del modelo de originación de crédito al pequeño productor agropecuario del Banco Agrario de Colombia

Abstract

The objective of this paper is to carry out a redesign proposal for the credit origination model for the small agricultural producer of the Banco Agrario de Colombia. This proposal will be developed under the DMAIC methodology which is based on the PHVA cycle incorporating components based on Lean Six Sigma The intention of this proposal is to investigate ideas of improvement that allow to increase daily productivity and make better use of resources, based on the current procedure and structure of the credit origination model, proposing a future state full of options for improvement to achieve satisfactory results. In order to identify ideas for improvement it was necessary to make visits and take of times in different offices, having meetings with the consultants who perform the work day by day, besides generating the current figures of placement, volumes, current loads and allocation of resources in offices, in order to understand the current problems. Subsequently, a current diagnosis of the model and an analysis of the data obtained were carried out by means of which a structured calculation model was carried out with the premises dictated by the Bank's board of directors and the findings previously raised; This allows us to propose possible improvement solutions that in the future allow us to optimize and better distribute the resources in the offices at the national level.