Case Study Vifel Coop
Case Study Vifel Coop
Case Study Vifel Coop
OPPORTUNITIES THREATS
Increase of members and wide range of A decline on the economy may result to
banking services provides opportunity an increase of members who will
for future expansions. default their payments of their loans
Build relationships with influencers that Entry of new competitor ( like kapq)
can increase the number of members in which provides higher returns than the
the coop bank
Economic growth that leads to members Faces threat in running out of capital
not defaulting in their loans and an due to non-paying members
increase in debit balance of members
1. Pre- screen of members on their ability to pay before availing a
specific loan
2. Conduct seminars in handling finances
3. Make a policy on a credit limit of every member, the more the
member is a consistent payer, the higher his/her credit limit.
And a member who has an outstanding loan will not be able
to avail another loan unless he/she pays his/her outstanding
loan
4. Make a contact team which sets a friendly reminder to
customers in the payment of their loans.
5. Evaluate the aging of receivables and pay attention to the
customers whose loan payments are already past due
6. Increase interest rates on loans that are way past due
7. Offer discount loans to customers who pay early
8. Create an online payment processing for easy payments.
CRITERIA WEIGH Pre-screen of Conduct Make a policy Make a
T customers seminars in on the credit contact
before taking handling limit of every team which
a specific finances member sets a
loan friendly
reminder of
payments
3. Cost 4 4 16 3 12 4 16 3 12
4. Benefit 4 5 20 5 20 5 20 5 20
5. Affectivity 4 5 20 5 20 5 20 4 16
Grand Total 20 24 96 21 84 22 88 16 72
CRITERIA WEIGHT Evaluate the Increase Offer discount Create an
aging of interest rates loans to online
receivables on loans that customers payment
are way past who pay processing for
due early early
payments
3. Cost 4 4 16 4 12 3 12 3 12
4. Benefit 4 4 16 4 12 4 16 4 16
5. Effectivity 4 3 12 3 12 4 16 4 16
Grand Total 20 19 76 15 56 17 68 18 72
In implementation, 1 being the hardest to implement
and 5 as the easiest to implement