Citas bibligráficas
Quinteros, E., Pezo, D. (2023). Análisis de la morosidad y su impacto en la provisión para créditos del sistema bancario del Perú, periodo 2015-2020 [Fondo Editorial UNSM]. http://hdl.handle.net/11458/5766
Quinteros, E., Pezo, D. Análisis de la morosidad y su impacto en la provisión para créditos del sistema bancario del Perú, periodo 2015-2020 []. PE: Fondo Editorial UNSM; 2023. http://hdl.handle.net/11458/5766
@misc{renati/1056375,
title = "Análisis de la morosidad y su impacto en la provisión para créditos del sistema bancario del Perú, periodo 2015-2020",
author = "Pezo Mego, Diana Estefany",
publisher = "Fondo Editorial UNSM",
year = "2023"
}
The research title of the current work was "Analysis of Delinquency and its impact on the Loan Loss Provision of the Peruvian Banking System, period 2015 - 2020", its general objective was to determine the relationship between delinquency and the loan loss provision of the Peruvian Banking System, during the period 2015 – 2020. The specific objectives were: To understand the evolution of direct loans in MN and ME of the Peruvian Banking System, during the period 2015 - 2020; To understand the evolution of overdue loans in LC and FC of the Peruvian Banking System, during the period 2015 - 2020; To analyze the evolution of the delinquency rate of the Peruvian Banking System, during the period 2015 - 2020; To determine the evolution of portfolio provisions in LC and FC of the Peruvian Banking System, during the period 2015 - 2020; To analyze the evolution of the credit coverage indicator of the Peruvian Banking System, during the period 2015 - 2020; To establish the degree of relationship existing between delinquency and provision for loans of the Peruvian Banking System, during the period 2015 - 2020. The methodology used was applied, with a descriptive and correlational level and a non-experimental design; the sample was a "total sample", that is, it was made up of all the financial institutions called "Banks" of the Peruvian financial system, being 17 banking companies. In order to choose the sample size, non-probabilistic convenience sampling was considered; the documentary analysis guide was used to obtain the information on the variables of the study. Once the information was obtained, presented in tables and figures, it could be affirmed that there is a very strong positive relationship between delinquency and the provision for credits of the Peruvian Banking System, during the period 2015 – 2020. This was proven with the application of the Pearson's Correlation statistical test, where the sig. (Bilateral) 0.000 less than the margin of error 0.005, because the Pearson's correlation value was equal to 0.967 between the delinquency and the provision for loans of the Peruvian Banking System, thus showing a very strong positive relationship almost perfect between the variables under study. This confirms that, faced with the growth of the delinquent portfolio of the Peruvian Banking System, there is an incremental variation of the provision for loans.
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