Determinants of delinquency in the Peruvian banking and microfinance system, 2015-2020

The objective was to identify the variables that affect the delinquency rate in banking and microfinance institutions, between the periods 2015 and 2020, for which panel data models were used, considering the information registered in the banking and financial institutions to the level of Peru. The...

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Published inFrontiers in sociology Vol. 7; p. 934724
Main Authors Quispe Mamani, Julio Cesar, Hancco Gomez, Miriam Serezade, Yapuchura Saico, Cristobal Rufino, Palomino, Juan Isidoro Gómez, Aguilar Pinto, Santotomas Licimaco, Vargas Espinoza, Jorge Luis, Chalco Vargas, Fredy Toribio, Maraza, Amira Carpio, Álvarez, Dominga Asunción Calcina, Quenta, Rolando Cáceres
Format Journal Article
LanguageEnglish
Published Switzerland Frontiers Media S.A 21.11.2022
Subjects
bank
delinquency
financial institutions
financial management
financial resources
Sociology
financial institutions
delinquency
bank
financial resources
financial management
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Summary:The objective was to identify the variables that affect the delinquency rate in banking and microfinance institutions, between the periods 2015 and 2020, for which panel data models were used, considering the information registered in the banking and financial institutions to the level of Peru. The methodological design used is quantitative, not experimental, with a descriptive-correlational design, applying the analysis of the data panel for each financial institution (Multiple Banking, Municipal Savings Banks), to observe the behavior over time for the same individuals. It was determined that the behavior of the delinquency of microfinance institutions is having significant effects on the delinquency of loans, and macroeconomic variables like microeconomic variables do determine delinquency rates such as provisions, efficiency of analysts, financial income, liquidity in national currency, growth rate of Gross Domestic Product, and the level of unemployment, both for banks and for municipal savings and credit banks, explaining the study variables in 84.30% in the banking system and in 48.95% in the financial system with respect to delinquency. Macroeconomic and microeconomic variables are determining factors for the level of delinquency in financial institutions.
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This article was submitted to Work, Employment and Organizations, a section of the journal Frontiers in Sociology
ORCID: Julio Cesar Quispe Mamani orcid.org/0000-0002-3938-1459
Cristobal Rufino Yapuchura Saico orcid.org/0000-0003-1956-3922
Reviewed by: Joy Elly Tulung, Sam Ratulangi University, Indonesia; Slawomir Banaszak, Adam Mickiewicz University, Poland
Dominga Asunción Calcina Álvarez orcid.org/0000-0002-6869-0939
Jorge Luis Vargas Espinoza orcid.org/0000-0003-3026-769X
Miriam Serezade Hancco Gomez orcid.org/0000-0003-3913-2775
Santotomas Licimaco Aguilar Pinto orcid.org/0000-0002-1796-9278
Edited by: Delali A. Dovie, University of Ghana, Ghana
Fredy Toribio Chalco Vargas orcid.org/0000-0003-4436-9283
Amira Carpio Maraza orcid.org/0000-0002-1917-4938
ISSN:2297-7775
2297-7775
DOI:10.3389/fsoc.2022.934724