Bibliographic citations
Cerna, F., (2020). Determinantes del costo de eficiencia de las Cajas Municipales de Ahorro y Crédito del Perú para el periodo 2010-2018 [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/652349
Cerna, F., Determinantes del costo de eficiencia de las Cajas Municipales de Ahorro y Crédito del Perú para el periodo 2010-2018 [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2020. http://hdl.handle.net/10757/652349
@misc{renati/390748,
title = "Determinantes del costo de eficiencia de las Cajas Municipales de Ahorro y Crédito del Perú para el periodo 2010-2018",
author = "Cerna Padilla, Franklin John",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2020"
}
There is a recent interest in the study of efficiency on microfinance institutions, given that it is related to indicators of profitability, sustainability, and greater scope to supply more people. Likewise, efficiency costs could be a limitation for the social objective they pursue. However, the study of the determinants of efficiency costs and the possible trade-off with the outreach of the CMAC of Peru has not yet been explored. For this reason, this research work seeks to approximate this relationship by adding specific variables of the CMAC and macroeconomic variables through a Within the model of fixed effects. The estimate identified the non-existence of trade-off between outreach and cost-efficiency. In addition, the growth rate of debtors, the average loan per person, the self-sufficiency index, total assets, age, the growth rate of GDP, and inflation would be the most relevant determinants of cost efficiency for the CMAC of Peru.
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