Credit scoring a tool to minimize the credit risk ok the micro-financial institutions-Peru

Authors

DOI:

https://doi.org/10.15381/quipu.v28i56.17697

Keywords:

Risk, credit, microfinance, technology, market

Abstract

Objective: Develop a Credit Scoring model for the microcredit portfolio microcredits from a Municipal Banks in the city of Piura. Method: Binary Logistic Regression was applied as a technique to set out a model whose response or dependent variable is a discrete dichotomous variable. Results: The treatment of the database of the microcredit portfolio of the Municipal Banks of the city of Piura, using the binary logistic regression module of the SPSS software version 24, was obtained as a result the probability of default. Conclusions: it achieved a statistical rating model capable to correctly predict the 96.7% of the credits of portfolio of the municipal bank.

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Author Biography

  • Milagro Baldemar Quiroz Calderón, Universidad Católica Los Ángeles de Chimbote
    Graduated from the School of Economics of the National University of Trujillo (UNT), with a professional degree in Economics, with a master's degree in Business and Business Administration from the Private University San Pedro, in agreement with the Los Lagos University of Chile, doctoral studies concluded at the UNT, with a diploma in International Trade, I work as a university professor at the Los Angeles Angels of Chimbote Catholic University, at the Professional School of Accounting, at the César Vallejo University (UCV) Also as a consultant and advisor in Projects and Finance          

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Published

2020-05-07

Issue

Vol. 28 No. 56 (2020)

Section

Original papers

License

Copyright (c) 2020 Milagro Baldemar Quiroz Calderón

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How to Cite

Quiroz Calderón, M. B. (2020). Credit scoring a tool to minimize the credit risk ok the micro-financial institutions-Peru. Quipukamayoc, 28(56), 69-75. https://doi.org/10.15381/quipu.v28i56.17697