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Méndez, G., Panduro, I. (2017). Análisis del sector financiero de la región Loreto, periodo 2011 - 2015 [Tesis, Universidad de la Amazonía Peruana]. http://repositorio.unapiquitos.edu.pe/handle/20.500.12737/5447
Méndez, G., Panduro, I. Análisis del sector financiero de la región Loreto, periodo 2011 - 2015 [Tesis]. : Universidad de la Amazonía Peruana; 2017. http://repositorio.unapiquitos.edu.pe/handle/20.500.12737/5447
@mastersthesis{renati/278895,
title = "Análisis del sector financiero de la región Loreto, periodo 2011 - 2015",
author = "Panduro Torres, Ingrith Yoshiro",
publisher = "Universidad de la Amazonía Peruana",
year = "2017"
}
Title: Análisis del sector financiero de la región Loreto, periodo 2011 - 2015
Authors(s): Méndez Aguilar, Gabriela; Panduro Torres, Ingrith Yoshiro
Advisor(s): Pinedo Manzur, Freddy Martín; Ramírez Enrique, Jesús Hermes
Keywords: Análisis financiero; Crédito; Morosidad; Crisis económica
OCDE field: Econometría; http://purl.org/pe-repo/ocde/ford#5.02.02
Issue Date: 2017
Institution: Universidad de la Amazonía Peruana
Abstract: El comportamiento del sector financiero de la región Loreto guarda estrecha relación con la evolución de la economía regional, nacional e internacional, la que es analizada a través del desarrollo de los créditos, los depósitos y la tasa de morosidad. La economía de Loreto se basa principalmente en actividades extractivas, ocupando el primer lugar la actividad petrolera seguida de la forestal, sectores que se han visto afectados desde el año 2014.
El objetivo de la presente tesis magistral fue analizar la evolución del sector financiero de la región Loreto, en el periodo 2011 – 2016. Para ello, se llevó a cabo la presente investigación de tipo Descriptivo y de diseño No Experimental, analizando la significancia estadística y la determinación de las Variables Independientes (créditos, depósitos y tasa de morosidad) en la Variable Dependiente (evolución del sector financiero).
Luego del análisis y discusión de los resultados, se pudo comprobar que los créditos evolucionaron positivamente al igual que los depósitos. Pero, se debe destacar que los créditos son superiores en 95.57% a los ahorros, lo que demuestra que la diferencia en la intermediación es capital de las instituciones financieras. Se destaca un crecimiento de la tasa de morosidad por encima del 5.00% a partir del año 2014, debido a la crisis económica regional derivada de la semiparalización del sector “Hidrocarburos” y del sector “Forestal”, principales actividades que dinamizan la economía regional.
The behavior of the financial sector in the Loreto region is closely related to the evolution of the regional, national and international economy, which is analyzed through the development of loans, deposits and the default rate. The economy of Loreto is mainly based on extractive activities, with the first place being the oil activity followed by forestry, sectors that have been affected since the year 2014. The objective of this master thesis was to analyze the evolution of the financial sector of the Loreto region, in the period 2011 - 2016. For this purpose, the present research was carried out of Descriptive and Non-Experimental design, analyzing the statistical significance and the determination of the Independent Variables (credits, deposits and delinquency rate) in the Dependent Variable (evolution of the financial sector). After the analysis and discussion of the results, it was possible to verify that the credits evolved positively as well as the deposits. However, it should be noted that loans are 95.57% higher than savings, which shows that the difference in intermediation is the capital of financial institutions. The growth rate of the default rate above 5.00% from 2014 onwards is due to the regional economic crisis resulting from the semi-privatization of the "Hydrocarbons" sector and the "Forestry" sector, the main activities that boost the regional economy.
The behavior of the financial sector in the Loreto region is closely related to the evolution of the regional, national and international economy, which is analyzed through the development of loans, deposits and the default rate. The economy of Loreto is mainly based on extractive activities, with the first place being the oil activity followed by forestry, sectors that have been affected since the year 2014. The objective of this master thesis was to analyze the evolution of the financial sector of the Loreto region, in the period 2011 - 2016. For this purpose, the present research was carried out of Descriptive and Non-Experimental design, analyzing the statistical significance and the determination of the Independent Variables (credits, deposits and delinquency rate) in the Dependent Variable (evolution of the financial sector). After the analysis and discussion of the results, it was possible to verify that the credits evolved positively as well as the deposits. However, it should be noted that loans are 95.57% higher than savings, which shows that the difference in intermediation is the capital of financial institutions. The growth rate of the default rate above 5.00% from 2014 onwards is due to the regional economic crisis resulting from the semi-privatization of the "Hydrocarbons" sector and the "Forestry" sector, the main activities that boost the regional economy.
Link to repository: http://repositorio.unapiquitos.edu.pe/handle/20.500.12737/5447
Discipline: Ciencias Económicas y de Negocios
Grade or title grantor: Universidad Nacional de la Amazonía Peruana. Escuela de Posgrado
Grade or title: Magister en Gestión Empresarial
Register date: 18-Jul-2018
This item is licensed under a Creative Commons License