Bibliographic citations
Grandes, J., Olguín, L. (2025). Gestión integral de riesgo y su influencia en la rentabilidad de las cajas municipales de Trujillo, periodo 2021-2023 [Tesis, Universidad Privada Antenor Orrego]. https://hdl.handle.net/20.500.12759/54451
Grandes, J., Olguín, L. Gestión integral de riesgo y su influencia en la rentabilidad de las cajas municipales de Trujillo, periodo 2021-2023 [Tesis]. PE: Universidad Privada Antenor Orrego; 2025. https://hdl.handle.net/20.500.12759/54451
@misc{renati/1344638,
title = "Gestión integral de riesgo y su influencia en la rentabilidad de las cajas municipales de Trujillo, periodo 2021-2023",
author = "Olguín Chong, Luis Alfredo",
publisher = "Universidad Privada Antenor Orrego",
year = "2025"
}
This research examines how comprehensive risk management influences the profitability of municipal savings banks in Trujillo during 2021-2023. It assessed the level of risk management, profitability, and the impact of operational, credit, and market risks through a correlational design and a quantitative approach. Data were collected via surveys and document analysis, including financial and risk records. The instruments used were subjected to a validity and reliability process (Cronbach's Alpha > 0.7). A total of 80.3% of the savings banks demonstrated good risk management, 16.9% were rated as average, and 2.8% as poor. Statistical analysis revealed that the data did not follow a normal distribution (p < 0.001), leading to the use of non-parametric and regression tests. Results showed a strong positive correlation between risk management and profitability (r = 0.809), while regression analysis (R² = 0.656) indicated that 65.6% of the variability in profitability is explained by risk management. It is concluded that strengthening comprehensive risk management strategies and providing staff training is essential to enhance profitability and mitigate financial risks
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