Credit management and default of Banco Pichincha del Perú, period 2019
DOI:
https://doi.org/10.15381/quipu.v29i59.20354Keywords:
Credit management, Delinquencies, Credit evaluation, Credit ConditionsAbstract
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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