Bibliographic citations
Gonzáles, S., (2017). Factores microeconómicos de la morosidad en clientes Mype, financiera credinka - Agencia San Sebastian, Cusco 2017. [Tesis, Universidad Andina del Cusco]. https://hdl.handle.net/20.500.12557/1707
Gonzáles, S., Factores microeconómicos de la morosidad en clientes Mype, financiera credinka - Agencia San Sebastian, Cusco 2017. [Tesis]. : Universidad Andina del Cusco; 2017. https://hdl.handle.net/20.500.12557/1707
@misc{renati/1124467,
title = "Factores microeconómicos de la morosidad en clientes Mype, financiera credinka - Agencia San Sebastian, Cusco 2017.",
author = "Gonzáles Molina, Sebastian Francisco",
publisher = "Universidad Andina del Cusco",
year = "2017"
}
The present research work, entitled “MICROECONOMIC FACTORS OF MORTGAGE IN CUSTOMERS MYPE, CREDINKA FINANCIAL - AGENCY SAN SEBASTIAN, CUSCO, 2017“, it seeks to know the behavior of microeconomic factors and how these affect the increase in delinquency in the Financial Credinka; since one of the main purposes of the Financial is the recovery of the credits once granted, as there is non-compliance with the obligations by the debtor. The general objective of the research is what are the microeconomic factors of delinquency in MYPE clients in Financiera Credinka - Agencia San Sebastian, 2017 in the last three quarters. As specific objectives How is the quality of Portfolio in MYPE clients of s for the MYPE clients of Financiera Credinka - Agency San Sebastian, year 2017, How is the management of risks for the MYPE clients of the Financiera Credinka - Agency San Sebastian, year 2017, How is the productive efficiency in MYPE clients of the Financiera Credinka - Agency San Sebastian, year 2017 and How is the Credit portfolio in MYPE clients of the Financiera Credinka - Agency San Sebastian, year 2017. In the theoretical framework are the theories and concepts that explain the problem of research and where the corresponding support will be found. The research has a quantitative approach with a non-experimental design and descriptive scope. For data collection techniques, the following was used: Observation, Information collection, documentary review and Checklist. The informant population is made up of a total of 1280 clients of the Financiera Credinka - Agencia San Sebastian, for the sample it was necessary to select “295“ credit files. From the results obtained in this research work it is concluded that the microeconomic factors have a relationship with the incidence of delinquency on the part of the clients, this isdue to the fact that according to the reviewed files it is observed that in many cases the credit analysts they did not consider such factors as credit policies, risk management, productive efficiency and the Credit Portfolio.
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