• P-ISSN 0974-6846 E-ISSN 0974-5645

Indian Journal of Science and Technology


Indian Journal of Science and Technology

Year: 2018, Volume: 11, Issue: 44, Pages: 1-11

Original Article

Credit Management and Financial Decision-Making in the Agricultural Portfolio of Universal Banking


Objective: To determine the relationship between credit management and decision-making of the agricultural portfolio of universal banking in the municipality of Maracaibo, Zulia State, Venezuela. Materials and Methods: by means of a descriptive, correlational research and field, with a non-experimental design, we studied the management of credits selected by the middle of the banking 2014, Rankin with a population-based sample composed of five (5) managers, to which they applied a validated instrument of ten experts and high reliability according to the Alpha-Cronbach coefficient (α = 0.85). Finding: The results determine a positive relationship, from the results of the Spearman correlation coefficient (r = 0.49), which is evidence of a moderate implementation of credit management for financial decision-making. Applications: It is necessary to develop alternatives to take decisions related to the credit and the procedures for granting through ideas.

Keywords: Agricultural Portfolio, Credit Management, Decision-Making, Universal Banking


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