Bibliographic citations
Benavides, A., Cuadros, A. (2024). Factores socioeconómicos y culturales que influyeron en el Incumplimiento de pago de créditos de Consumo en Lima Metropolitana, año 2021 [Tesis, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/672991
Benavides, A., Cuadros, A. Factores socioeconómicos y culturales que influyeron en el Incumplimiento de pago de créditos de Consumo en Lima Metropolitana, año 2021 [Tesis]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2024. http://hdl.handle.net/10757/672991
@misc{renati/415345,
title = "Factores socioeconómicos y culturales que influyeron en el Incumplimiento de pago de créditos de Consumo en Lima Metropolitana, año 2021",
author = "Cuadros Paredes, Alvaro Diego",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2024"
}
The purpose of this research is to establish the influence of socioeconomic and cultural factors on the delinquency of consumer credit debtors in Metropolitan Lima during the year 2021. The research is directed to the city of Metropolitan Lima because it concentrates a large part of the population that has some Consumer credit or credit card, but also one of the most affected in recent years by the Covid-19 pandemic, reaching a large part of the population in a situation of non-payment of their credits. The study was carried out under a quantitative research approach and on a total sample of 817 people who have some type of Consumer credit and who reside in Metropolitan Lima. Similarly, the historical information obtained and the findings of this research are important, and would help provide input to companies that grant loans, especially Consumer loans, since they would have a broader picture of how to evaluate an issue. who wants to apply for a loan. In the same way, this study can provide knowledge to any natural person who wishes to acquire a loan and can take into account some factors to have a good credit profile. Likewise, to verify the proposed hypotheses, the Chi-square and Spearman tests were used together with the Student's T tests to verify that the explanatory variables of the study are significant and that there is a relationship with the dependent variable. Similarly, to validate the general hypothesis, a Logit model was used for the 6 significant variables: sex, marital status, age, income level, level of indebtedness and financial education, concluding that they are related within the final model.
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