Definición e implementación de indicadores de gestión financieros para la puesta en marcha de una plataforma de microfinanciamiento de factoring

Abstract

Crowdfunding is a global technological trend and is an option to invest and obtain a return that is usually higher than traditional financial investment formats, with a moderate level of risk and with minuscule investment amounts. On the other hand, it is also an option for the entrepreneur or producer, who needs working capital or liquidity in his business to continue with his operations and these cannot be offered by the traditional financial system. Crowdfunding SAC is a crowdfunding project dedicated to crowdfactoring, which has an online platform that is dedicated to purchasing invoices and these are financed by its users, who can deposit amounts from 5 soles. Crowdfactoring, as a new business model recently regulated by the state, has financial, accounting and tax structuring challenges, which are designed from scratch. Once the platform was enabled, financial control processes such as cash flow, budgets and invoice risk categorization were designed. The objective of this report will be to present, firstly, the design of processes for a Fintech dedicated to the purchase of invoices and secondly, financial control, obtaining as results financial management indicators in real time, such as financial ratios and management designed specifically for this project. In this way, both general and financial management make better decisions since they have more information in real time.