El sobreendeudamiento y su impacto en el riesgo de crédito en instituciones microfinancieras peruanas: cajas municipales de ahorro y crédito 2016-2019

Concha, Emerson Toledo; Reyes, Víctor Manuel León

doi:10.18800/contabilidad.202102.005

Cited by 2 publications

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“…The issue of financial inclusion in Peru is closely linked to the development of microfinance. There is significant concern to promote the growth of this emerging market, with various financial entities participating in this endeavor (Toledo & León, 2021).…”

Section: Introductionmentioning

confidence: 99%

Financial inclusion in Peru: Appraisal and perspectives

Toledo Concha,

León Reyes

2023

Quipukamayoc

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Financial inclusion is a relevant matter that is constantly being looked upon, given its influence in reducing poverty and enabling the low-income population to access financial products and services, thus improving their living condition. This research aims to analyze the evolution of financial inclusion in Peru during the last seven years (2016-2022);also, it takes into consideration information from secondary source databases, such as reports from the World Bank, the Superintendencia de Banca y Seguros, and the Banco Central de Reserva del Perú. The method used has a descriptive and explanatory design. The findings of the research provide evidence that 56% of the Peruvian population has access to financial services (64% in urban areas and 31% in rural areas), which falls below the goal of 75% set by the Peruvian government. This gap can be attributed to customer service costs, including in-person service or adequate infrastructure for better service (access limitations), and poor financial education (limiting broader usage).

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Section: Introductionmentioning

confidence: 99%

Financial inclusion in Peru: Appraisal and perspectives

Toledo Concha,

León Reyes

2023

Quipukamayoc

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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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El sobreendeudamiento y su impacto en el riesgo de crédito en instituciones microfinancieras peruanas: cajas municipales de ahorro y crédito 2016-2019

Cited by 2 publications

References 0 publications

Financial inclusion in Peru: Appraisal and perspectives

Financial inclusion in Peru: Appraisal and perspectives

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

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