Effects of COVID-19 and number of debtors on consumer loans in Peru

Authors

DOI:

https://doi.org/10.15381/quipu.v30i64.22925

Keywords:

Interest rate, covid, bank concentration, currents credits, delinquent portfolio

Abstract

Objective: To evaluate whether the beginning of the COVID-19 pandemic and the variation in the number of debtors, affected the amount of current loans and the past-due portfolio of consumer loans. Method: The research was descriptive and explanatory. The analysis was documentary and statistical. To find the effect of the independent variables on the dependent variables, the ordinary least squares model was used, where the COVID-19 period took the value of 1 and 0 was considered in any other case; in addition, the evaluated period was from September 2018 to September 2021. Results: The start of the COVID-19 pandemic caused a decrease in current loans and an increase in the past-due portfolio. Conclusions: The rescheduling of loans in the current portfolio, due to the start of the COVID-19 pandemic, prevented an increase in bank provisions; however, the impact of the rescheduling in each bank was different, increasing the overdue portfolio.

Downloads

Download data is not yet available.

Author Biography

  • Kilder Holgado Dorado, Universidad Nacional de Ingeniería. Lima, Peru

    Economist from Universidad Nacional de Ingeniería, MBA from Universidad ESAN. Experience in the financial and telecommunications sector in the areas of credit, collections, collection and conciliation. Currently independent consultant and university professor at the Universidad Nacional Mayor de San Marcos.

Downloads

Published

2022-12-29

Issue

Vol. 30 No. 64 (2022)

Section

Original papers

License

Copyright (c) 2022 Kilder Holgado Dorado

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

AUTHORS RETAIN THEIR RIGHTS:

a. Authors retain their trade mark rights and patent, and also on any process or procedure described in the article.

b. Authors retain their right to share, copy, distribute, perform and publicly communicate their article (eg, to place their article in an institutional repository or publish it in a book), with an acknowledgment of its initial publication in Quipukamayoc .

c. Authors retain theirs right to make a subsequent publication of their work, to use the article or any part thereof (eg a compilation of his papers, lecture notes, thesis, or a book), always indicating the source of publication (the originator of the work, journal, volume, number and date).

How to Cite

Holgado Dorado, K. (2022). Effects of COVID-19 and number of debtors on consumer loans in Peru. Quipukamayoc, 30(64), 9-21. https://doi.org/10.15381/quipu.v30i64.22925