Citas bibligráficas
Jaramillo, J., Quincho, L. (2020). Factores que influyen en el incumplimiento de pago en el sistema financiero por uso inadecuado de las tarjetas de crédito de los consumidores de la provincia de Lima [Tesis, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/654642
Jaramillo, J., Quincho, L. Factores que influyen en el incumplimiento de pago en el sistema financiero por uso inadecuado de las tarjetas de crédito de los consumidores de la provincia de Lima [Tesis]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2020. http://hdl.handle.net/10757/654642
@misc{renati/393709,
title = "Factores que influyen en el incumplimiento de pago en el sistema financiero por uso inadecuado de las tarjetas de crédito de los consumidores de la provincia de Lima",
author = "Quincho Navarro, Laura Elena",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2020"
}
In this study we identified the factors that influence payment default in the financial system (banks) due to improper use of consumer credit cards in the province of Lima. A mixed approach was employed. Being qualitative, the information gathering technique was applied by conducting semi-structured interviews with experts of the financial system. For the quantitative approach, a non-experimental-transversal-correlational design was used, because data was collected and the relationship between them analyzed and interpreted at a certain moment, applying questionnaires to a target audience. A sample of 385 people from a population of 1'518,897 was used among men and women over 18 years of age, who had at least one credit card with a debit balance in the province of Lima. A correlational scope was chosen to identify the behavior of one variable in relation to others. In this case, the main variables that influence payment default were analyzed. Once the research was concluded, the general hypothesis was accepted, obtaining a positive correlation with a weak level, identifying that the variables that most influence payment default were: the frequent use they give to the cards, followed by the existence of bad advisors credit. Therefore, it is recommended that users have better control of their expenses, that banks improve the training of their credit advisors and that banking regulators provide financial education support to users.
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