A análise do crédito de vendas para o comércio de calçados : um estudo de caso

Abstract

This thesis is intended to address the standards for Credit Granting and all the constraints involved and also to assess associated policies, contracts and lines of credit. An assessment of the risks to which a lender is exposed in his relationship with clients is called Credit Analysis. Lines of credit are mostly based on asset translation. It is then required to develop a case-study for a company's businesses focusing on a thorough analysis of its modus operandi. In a certain way, Credit Granting is a means to leverage sales mainly from the acquisition of non-durable goods in the retail market. Consumption increases are a drive to heat up Economy and bring about new job positions with benefits to the Society as a whole coming from more taxes collected that are converted into promoting more social welfare. It should be pointed out that the financial sector is one that mostly benefits from Credit Granting because of the high interest rates applied in credit operations to individual persons and bank individual clients based on their wages and to corporations based on their sales volume. For corporations, lines of credit help them increase their capacity to pay up their debts and are an integral part of their business guidelines. Credit granting shall then be the focus of this work and all associated market details shall also be addressed in this paper. This thesis aimed to identify the Credit Analysis process and how important it is for companies' negotiations. A case-study methodology was used in the survey to achieve the results shown herein.