Eficiencia financiera de las Cajas Municipales de Ahorro y Crédito (CMAC) del Perú en el periodo 2015-2021

Valverde, Ricardo Manuel Rossi; Ortiz, Ricardo Gabriel Rossi

doi:10.21919/remef.v18i1.787

Cited by 2 publications

(2 citation statements)

References 47 publications

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“…Rossi y Rossi [6] mencionan que las métricas de desempeño de la CMAC en Perú, con más de US$2 billones en activos, permiten identificar IMF que pueden servir como modelos a seguir para otras IMF. CMAC Sullana debería considerar reevaluar sus prácticas de gestión financiera ya que el valor del porcentaje de eficiencia que obtiene es realmente preocupante, aunque el valor de Z2 que obtiene la pone en zona de alerta de quiebra, esta será una oportunidad para conocer sus debilidades y probar emular la administración económica de las CMAC de Piura, Huancayo, Cusco y Arequipa.…”

Section: Antecedentesunclassified

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Delinquent portfolio and its impact on the economic results of the Rural Savings Banks of Peru.

Lama Villar,

Barinotto Roncal,

Jurado Rosas

et al. 2023

Proceedings of the 21th LACCEI International Multi-Conference for Engineering, Education and Technology (LACCEI 2023): “Leaders

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The present investigation was carried out with the objective of explaining the incidence of the delinquent portfolio in the economic results of the Rural Banks of Peru during the periods from 2016 to 2020. To carry out the study, the documentary analysis technique was used, the data were Extracted from the portal of the Superintendency of Banking and Insurance and Pension Fund Administrators (SBS), the main results showed that at the end of 2020 the delinquent portfolio and the high-risk portfolio had indicators of 8.46% and 11.23% respectively. , during the same period, a return on assets (ROA) and a return on equity (ROE) of -1.73% and -10.06% respectively were obtained, throughout 2020 due to the state of emergency of COVID 19 the financial system in as a whole was one of the most affected sectors, thus triggering, forDecember 2020, a loss for the Rural Bank System of S/50,340,000, it was concluded with a coefficient of correction Pearson's elation of -0.712, the same one that expresses that the delinquent portfolio negatively affects the economic results of the Rural Banks of Peru during the periods from 2016 to 2020.

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“…Se sugiere realizar estudios similares para confirmar la consistencia del modelo o mejorarlo mediante estudios comparativos. Es recomendable evaluar la unidad en cuestión para continuar mediante el nivel de eficiencia de la organización [6].…”

Section: Antecedentesunclassified

Delinquent portfolio and its impact on the economic results of the Rural Savings Banks of Peru.

Lama Villar,

Barinotto Roncal,

Jurado Rosas

et al. 2023

Proceedings of the 21th LACCEI International Multi-Conference for Engineering, Education and Technology (LACCEI 2023): “Leaders

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Non-performing loans and their impact on the profitability of Peruvian Municipal Savings and Loan Banks

Poemape Alfaro,

Ramos Romero,

Lioo Jordan

et al. 2024

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Efficiently managing loans granted can have an immediate effect on the profitability and viability of a financial institution. Considering this, this study determined the impact of past-due loans on the profitability of the Peruvian Municipal Savings and Loan Banks during the period 2022. A quantitative, non-experimental, cross-sectional, correlational-causal methodology was used, which employed documentary analysis and the design of a data sheet. The population and sample consisted of 11 Municipal Savings and Loan Associations, which have been approved and are inspected by the Superintendence of Banking, Insurance and Private Pension Fund Administrators. A positive and moderate correlation of Rho = 460 and a significance level greater than 0.05 (0.154 > 0.05) was found, that is, overdue loans have a positive, but not significant, impact on the profitability of these financial institutions. The behaviors of these variables allow us to conclude that having more past-due loans will not always result in lower profitability, since there may be other factors that help mitigate this negative impact.

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Eficiencia financiera de las Cajas Municipales de Ahorro y Crédito (CMAC) del Perú en el periodo 2015-2021

Cited by 2 publications

References 47 publications

Delinquent portfolio and its impact on the economic results of the Rural Savings Banks of Peru.

Delinquent portfolio and its impact on the economic results of the Rural Savings Banks of Peru.

Non-performing loans and their impact on the profitability of Peruvian Municipal Savings and Loan Banks

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