Valoración de los factores de morosidad en las cooperativas de ahorro y crédito

Peñafiel, Víctor Gabriel Avalos

doi:10.18848/2474-6029/cgp/v08i02/53-66

Revista Internacional de Ciencias Sociales Interdisciplinares

2020

DOI: 10.18848/2474-6029/cgp/v08i02/53-66

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Valoración de los factores de morosidad en las cooperativas de ahorro y crédito

Víctor Gabriel Avalos Peñafiel¹

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2022

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Determinants of delinquency in the Peruvian banking and microfinance system, 2015–2020

Mamani

Gomez²,

Saico³

et al. 2022

Front. Sociol.

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ObjectiveThe objective was to identify the variables that affect the delinquency rate in banking and microfinance institutions, between the periods 2015 and 2020, for which panel data models were used, considering the information registered in the banking and financial institutions to the level of Peru.MethodThe methodological design used is quantitative, not experimental, with a descriptive-correlational design, applying the analysis of the data panel for each financial institution (Multiple Banking, Municipal Savings Banks), to observe the behavior over time for the same individuals.ResultsIt was determined that the behavior of the delinquency of microfinance institutions is having significant effects on the delinquency of loans, and macroeconomic variables like microeconomic variables do determine delinquency rates such as provisions, efficiency of analysts, financial income, liquidity in national currency, growth rate of Gross Domestic Product, and the level of unemployment, both for banks and for municipal savings and credit banks, explaining the study variables in 84.30% in the banking system and in 48.95% in the financial system with respect to delinquency.ConclusionsMacroeconomic and microeconomic variables are determining factors for the level of delinquency in financial institutions.

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Determinants of delinquency in the Peruvian banking and microfinance system, 2015–2020

Mamani

Gomez²,

Saico³

et al. 2022

Front. Sociol.

View full text Add to dashboard Cite

show abstract

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Valoración de los factores de morosidad en las cooperativas de ahorro y crédito

Cited by 1 publication

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Determinants of delinquency in the Peruvian banking and microfinance system, 2015–2020

Determinants of delinquency in the Peruvian banking and microfinance system, 2015–2020

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