Credit management and default of Banco Pichincha del Perú, period 2019

Authors

DOI:

https://doi.org/10.15381/quipu.v29i59.20354

Keywords:

Credit management, Delinquencies, Credit evaluation, Credit Conditions

Abstract

Objective: To determine the incidence of credit management in the delinquency of the microfinance area of ​​Banco Pichincha del Peru during the year 2019, considering information and data from the microfinance area of ​​the agency in question. Method: The research was descriptive, transversal, has a quantitative approach, a non-experimental design, and a quantitative scope. The sample was made up of 124 overdue loans granted by the microfinance area of ​​Banco Pichincha del Peru, during the period of 2019. Results: The investigation’s results show a significant incidence of credit management on delinquencies, finding that 9,12% of the credits approved by the microfinance area are in arrears. Likewise, considering credit management, there is a negative correlation of -0,113 in terms of credit evaluation, and in the same way, a negative correlation of -0,023 in terms of credit conditions. Conclusion: It is concluded that credit conditions have a significant impact on delinquency in the microfinance area of ​​Banco Pichincha del Peru, showing a negative correlation degree of -0,027.

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Author Biography

  • Henry Hinostroza Hermoza, Universidad Nacional del Callao

    Professional with ethics, specialist in the use of financial techniques and tools; with the capacity of planning and managerial evaluation. Bachelor's degree in Business Administration from Universidad del Callao. Graduated with a Master's Degree in Banking and Finance from the Universidad Nacional Mayor de San Marcos. Currently working as a consultant for Banco Pichincha.

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Published

2021-05-27

Issue

Vol. 29 No. 59 (2021)

Section

Original papers

License

Copyright (c) 2021 Henry Hinostroza Hermoza

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How to Cite

Hinostroza Hermoza, H. (2021). Credit management and default of Banco Pichincha del Perú, period 2019. Quipukamayoc, 29(59), 69-75. https://doi.org/10.15381/quipu.v29i59.20354