Bibliographic citations
Alpiste, M., Barbaran, A., Gonzales, M. (2019). Variables que causan el aumento de la ratio de morosidad desde el año 2017 al 2019 en la agencia de San Juan de Miraflores de la Caja Municipal de Ahorro y Crédito Huancayo (Cmac Huancayo) [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/656067
Alpiste, M., Barbaran, A., Gonzales, M. Variables que causan el aumento de la ratio de morosidad desde el año 2017 al 2019 en la agencia de San Juan de Miraflores de la Caja Municipal de Ahorro y Crédito Huancayo (Cmac Huancayo) [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2019. http://hdl.handle.net/10757/656067
@misc{renati/395618,
title = "Variables que causan el aumento de la ratio de morosidad desde el año 2017 al 2019 en la agencia de San Juan de Miraflores de la Caja Municipal de Ahorro y Crédito Huancayo (Cmac Huancayo)",
author = "Gonzales valenzuela, Milagros Cintia",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2019"
}
The research includes an analysis of the increase in the delinquency rate in the agency of San Juan de Miraflores and aims to determine the variables that influence the increase in the delinquency ratio of the portfolio of clients of the Municipal savings and credit bank of Huancayo from the month of August of the year 2017 to the month of August of the year 2019. Based on the previous paragraph, the methodology of data science is used. The sample was composed of the accounts receivable statements, in the data collection the credit record sheets, reports of credit advisors and statistical information of the CMAC Huancayo were used during the 2017-2019 period published by the Superintendence of Banking and Insurance and the Central Reserve Bank of Peru. The success of the company at the national level has not been considered in the present study, but on the contrary its financial commercial risk in the agency of San Juan de Miraflores. It is concluded that of the twenty-two variables of the structured database four are relevant and can influence the increase in default; service time, credit process, overdraft, indefinite zoning. The present study establishes proposals for improvement and is a good basis for the company to carry out a formal study for the systems area to have a more focus on data that can contribute to economic improvement and analysis.
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