Bibliographic citations
Cueva, V., Ovalle, E., Ocsa, D., Loreto, M. (2024). Modelo ProLab: “Credichamo: Modelo de originación para la calificación de personas extranjeras que les permita acceder a tarjetas de crédito en el sistema financiero peruano” [Pontificia Universidad Católica del Perú]. http://hdl.handle.net/20.500.12404/28448
Cueva, V., Ovalle, E., Ocsa, D., Loreto, M. Modelo ProLab: “Credichamo: Modelo de originación para la calificación de personas extranjeras que les permita acceder a tarjetas de crédito en el sistema financiero peruano” []. PE: Pontificia Universidad Católica del Perú; 2024. http://hdl.handle.net/20.500.12404/28448
@mastersthesis{renati/23995,
title = "Modelo ProLab: “Credichamo: Modelo de originación para la calificación de personas extranjeras que les permita acceder a tarjetas de crédito en el sistema financiero peruano”",
author = "Loreto Tenias, Mao Dario",
publisher = "Pontificia Universidad Católica del Perú",
year = "2024"
}
In recent years Peru has presented a stable economy, experiencing a significant increase in migration, which has brought with it the arrival of many foreigners such as the Venezuelan population in search of economic opportunities. However, many of these people encounter obstacles in accessing financial services, due to the lack of an evaluation model customized to their realities and characteristics. The main objective of this research is to propose an origination model that considers unconventional characteristics and specifically targets our segment, allowing them to be evaluated and access financial products adapted to their context. It seeks to foster financial inclusion and promote entrepreneurship and economic development of Venezuelan migrants in Peru. The desirability has been based on both a quantitative and qualitative analysis, segmenting our target user with financial and migratory data relevant to our study, through interviews and surveys, to better understand the needs, priorities and challenges faced by Venezuelan migrants when they want to access a financial product. The viability of the project is reflected in a low initial investment model with a projected profitability (NPV almost 3 million soles) with the possibility of scalability in other market segments. Our model has a social focus (NPV of almost 1 million soles) by considering a sector of the migrant population that is vulnerable and lacks financial opportunities, providing them with a tool that allows them to be evaluated and have opportunities to opt for a credit card in the Peruvian financial system. We are aligned with the SDG 10 target, specifically metric 10.2. With this we hope to contribute to financial inclusion that promotes entrepreneurship and the creation of small businesses, which will have a positive impact on the economy of both migrants and the country.
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