Bibliographic citations
Lozano, A., Tejeda, A. (2018). Posibles factores cuantitativos que determinan del crecimiento del ratio de morosidad en las Cajas Municipales de Ahorro y Crédito del Perú durante el periodo del 2010 al 2015 [Tesis, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/624835
Lozano, A., Tejeda, A. Posibles factores cuantitativos que determinan del crecimiento del ratio de morosidad en las Cajas Municipales de Ahorro y Crédito del Perú durante el periodo del 2010 al 2015 [Tesis]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2018. http://hdl.handle.net/10757/624835
@misc{renati/367498,
title = "Posibles factores cuantitativos que determinan del crecimiento del ratio de morosidad en las Cajas Municipales de Ahorro y Crédito del Perú durante el periodo del 2010 al 2015",
author = "Tejeda Ramos, Angela Daniela",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2018"
}
The Cajas Municipales de Ahorro y Crédito (known as CMAC in Peru) are leaders within the Peruvian microfinance system, since they have promoted the financial inclusion of sectors unattended by traditional banking. However, during 2010-2015 it had an increase in its delinquency rate due to macro and microeconomic variables. The main objective of this research is to identify the possible quantitative factors that determine the growth of the delinquency ratio in the CMAC of Peru during the period from 2010 to 2015 using the Ordinary Least Squares method. In the first chapter, the theoretical framework that includes the definitions of microfinance system, MYPES, delinquency of the microfinance sector and CMAC were presented. In the second chapter, the problem of CMAC’s is detailed, as well as the hypothesis to be checked by means of the econometric model. In the third chapter, the type and design of research is defined, which is a quantitative and causal analysis. It also indicates the sources for obtaining data. The importance of the MCO Model for the present work is explained. In the fourth chapter, the variables to be considered in the model are mentioned and defined. In the fifth chapter, the E-views program is used to determine through an analysis of results how representative the variables considered are. To do this, tests are applied to the CMAC’s, then to the main CMAC’s and finally to the CMAC of Arequipa. Finally, the conclusions and recommendations are explained.
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