Proposta de melhoria para o processo de concessão de crédito rural em uma agência bancária

Abstract

This article presents an improvement proposal for the credit granting process of a bank branch. The rural credit concession service is important to foster the local economy, especially in northeastern municipalities. But often, there is too much bureaucracy in providing this service, reducing its efficiency. In this context, the following research question was asked: how to make the process of granting rural credit from a bank branch, specialized in promoting regional development, located in Serra Talhada-PE, more efficient? In view of this inquiry, the general objective of this research was to analyze and propose improvements to the current rural credit process of a regional development banking agency in Serra Talhada/PE and as specific objectives: a) to verify how activities involving the granting of rural credit are carried out; b) identify the points that need improvement in the process; c) propose measures to optimize and provide higher quality to the service offered. A qualitative research was carried out, characterized as a case study. The techniques of direct observation and semi-structured interviews for data collection were used. The results showed that the 4 process under analysis has the following stages: registration, credit application, hiring, disbursement and filing, and excessive bureaucratic procedures were found. It was concluded that the reformulation in the flow of activities, mainly in reducing the amount of credit instrument (CI) routes can increase the efficiency of this process without causing further losses.