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Lázaro, C., (2016). El crédito hipotecario – Fondo Mivivienda y su incidencia en la morosidad en el sistema financiero 2010 - 2014 [Tesis, Universidad Privada del Norte]. https://hdl.handle.net/11537/7989
Lázaro, C., El crédito hipotecario – Fondo Mivivienda y su incidencia en la morosidad en el sistema financiero 2010 - 2014 [Tesis]. PE: Universidad Privada del Norte; 2016. https://hdl.handle.net/11537/7989
@misc{renati/413916,
title = "El crédito hipotecario – Fondo Mivivienda y su incidencia en la morosidad en el sistema financiero 2010 - 2014",
author = "Lázaro Pérez, Carlos Antonio",
publisher = "Universidad Privada del Norte",
year = "2016"
}
Title: El crédito hipotecario – Fondo Mivivienda y su incidencia en la morosidad en el sistema financiero 2010 - 2014
Authors(s): Lázaro Pérez, Carlos Antonio
Advisor(s): Cabos Villa, Luigi
Keywords: Crédito hipotecario; Sistemas de crédito; Finanzas
OCDE field: https://purl.org/pe-repo/ocde/ford#5.02.04
Issue Date: 20-Apr-2016
Institution: Universidad Privada del Norte
Abstract: RESUMEN
EL Fondo MIVIVIENDA promueve el acceso de la población a una vivienda adecuada, en
especial para los sectores medios y bajos de la población. Para cumplir con ese objetivo,
este fondo cuenta con diferentes programas de crédito para vivienda, entre ellos, el que
es motivo de la presente investigación: el Crédito Hipotecario fondo MIVIVIENDA.
El crédito hipotecario global, es administrado principalmente por la banca múltiple, que
concentra el 95,8% por ciento del total y representa el 13,0% por ciento del total de sus
colocaciones. La tasa de morosidad de los créditos hipotecarios es 0,84 por ciento,
mientras que la correspondiente al crédito total del sistema financiero es 1,71%.En este
sentido, la calidad de la cartera de los créditos hipotecarios es superior a la del promedio,
lo que explica, por un lado, el dinamismo mostrado por el sistema financiero.
La situación difiere bastante en el caso del crédito MI VIVIENDA donde se observa una
tasa sostenida de alta morosidad con promedios muy superiores a la media del sistema
hipotecario global. De ahí que el objetivo principal de esta tesis sea investigar mediante el
análisis comparativo de datos estadísticos relevantes de cuatro entidades financieras la
incidencia de la morosidad en el crédito hipotecario en estudio y si ha venido cumpliendo
los propósitos para los que fue creado de acuerdo a la Ley. Esto es muy importante
porque podría ser un insumo valioso para evaluar en el futuro la continuidad o no de este
importante programa social.
Después de aplicar la prueba de hipótesis se concluye que existe relación significativa
entre el Crédito Hipotecario Fondo MiVivienda y la morosidad
Es por ello que el presente trabajo de investigación tiene el propósito de determinar la
incidencia entre el Crédito Hipotecario Fondo MiVivienda y la Morosidad en el Sistema
Financiero, el estudio condujo a la búsqueda de nuevos conocimientos o campos de
investigación, para tal propósito se seleccionó una muestra de las principales entidades
financieras que representan la mayor participación de la población.
ABSTRACT The Fund promotes MIVIVIENDA population access to adequate housing, especially for low and middle sectors of the population. To meet this objective, this fund has different credit programs for housing, among them, which is why this investigation: Mortgage MIVIVIENDA background. Global mortgage, is primarily managed by commercial banks, which accounts for 95.8% percent of the total, accounting for 13.0% percent of total loans. The delinquency rate of mortgage loans is 0.84 percent, while the corresponding total credit in the financial system is 1.71% .In this sense, the quality of the portfolio of mortgage loans is higher than the average This explains, on the one hand, the dynamism of the financial system. The situation is quite different in the case of credit MY HOME where sustained high default rate averaging well above the global average mortgage system is observed. Hence the main objective of this thesis is to investigate through the comparative analysis of relevant statistical data from four financial institutions incidence of delinquencies in mortgage lending in study and whether it has been fulfilling the purposes for which it was created according to the law. this is very important because it could be a valuable tool for assessing future continuity or not of this important social program input. After applying the hypothesis test is concluded that there is significant relationship between Mortgage Credit Fund and delinquencies MiVivienda That is why the present research aims to determine the incidence between Mortgage Credit MiVivienda Fund and the NPLs in the financial system, the study led to the search for new knowledge or research fields for this purpose is selected one sample of major financial institutions that represent the largest share of the population.
ABSTRACT The Fund promotes MIVIVIENDA population access to adequate housing, especially for low and middle sectors of the population. To meet this objective, this fund has different credit programs for housing, among them, which is why this investigation: Mortgage MIVIVIENDA background. Global mortgage, is primarily managed by commercial banks, which accounts for 95.8% percent of the total, accounting for 13.0% percent of total loans. The delinquency rate of mortgage loans is 0.84 percent, while the corresponding total credit in the financial system is 1.71% .In this sense, the quality of the portfolio of mortgage loans is higher than the average This explains, on the one hand, the dynamism of the financial system. The situation is quite different in the case of credit MY HOME where sustained high default rate averaging well above the global average mortgage system is observed. Hence the main objective of this thesis is to investigate through the comparative analysis of relevant statistical data from four financial institutions incidence of delinquencies in mortgage lending in study and whether it has been fulfilling the purposes for which it was created according to the law. this is very important because it could be a valuable tool for assessing future continuity or not of this important social program input. After applying the hypothesis test is concluded that there is significant relationship between Mortgage Credit Fund and delinquencies MiVivienda That is why the present research aims to determine the incidence between Mortgage Credit MiVivienda Fund and the NPLs in the financial system, the study led to the search for new knowledge or research fields for this purpose is selected one sample of major financial institutions that represent the largest share of the population.
Link to repository: https://hdl.handle.net/11537/7989
Discipline: Administración
Grade or title grantor: Universidad Privada del Norte. Facultad de Negocios
Grade or title: Licenciado en Administración
Juror: Alfaro Sanchez, Maria Eugenia; Ventura Aguilar, Henry; Cancino Olivera, Rossana
Register date: 30-Nov-2016
This item is licensed under a Creative Commons License