STRATEGIC PROPOSAL FOR DIVERSIFICATION OF A VENEZUELAN BANKINGINSTITUTION'S LOAN PORTFOLIO TO OPTIMIZE CREDIT RISK MANAGEMENT
DOI:
https://doi.org/10.47820/sol21.v1i1.4Keywords:
Portfolio diversification. Credit risk. Venezuelan banking.Abstract
This research developed a diversification strategy for the legal credit portfolio of a Venezuelan bank, aiming to optimize credit risk management and align it with the institution’s strategic objectives in the current competitive landscape. Tools such as EFI, EFE, MPC, and PEYEA were used to diagnose internal and external factors, in addition to the Herfindahl-Hirschman Index (HHI) to measure portfolio concentration and income distribution by sector. The results highlighted the need to reduce risks through sectoral diversification, expanding credit offerings to new economic sectors. The strategic recommendations focused on leveraging the bank’s competitive position, enhancing its strengths and opportunities to mitigate vulnerabilities and threats. The proposal offers a sustainable path to strengthen risk management and ensure balanced growth.
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