Effects of COVID-19 and number of debtors on consumer loans in Peru
Descripción del Articulo
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...
| Autor: | |
|---|---|
| Formato: | artículo |
| Fecha de Publicación: | 2022 |
| Institución: | Universidad Nacional Mayor de San Marcos |
| Repositorio: | Revistas - Universidad Nacional Mayor de San Marcos |
| Lenguaje: | español |
| OAI Identifier: | oai:ojs.csi.unmsm:article/22925 |
| Enlace del recurso: | https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/22925 |
| Nivel de acceso: | acceso abierto |
| Materia: | Interest rate covid bank concentration currents credits delinquent portfolio Tasa de interés COVID-19 bancos créditos vigentes créditos de consumo |
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Effects of COVID-19 and number of debtors on consumer loans in PeruEfectos del COVID-19 y número de deudores en los créditos de consumo en Perú Holgado Dorado, KilderHolgado Dorado, KilderInterest ratecovidbank concentrationcurrents creditsdelinquent portfolioTasa de interésCOVID-19bancoscréditos vigentescréditos de consumoObjective: 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.Objetivo: Evaluar si el inicio de la pandemia COVID-19 y la variación en la cantidad de deudores provocó efectos en los montos de los créditos vigentes y en la cartera atrasada de los créditos de consumo. Método: La investigación fue de tipo descriptivo y explicativo. El análisis realizado fue documental y estadístico. Para hallar el efecto de las variables independientes sobre las dependientes se consideró el modelo de mínimo cuadrados ordinarios, donde el periodo COVID-19 tomó el valor de 1 y se consideró 0 en cualquier otro caso; adicionalmente el periodo evaluado fue entre setiembre 2018 hasta setiembre 2021. Resultados: El inicio de la pandemia COVID-19 provocó una disminución de los créditos vigentes e incrementó la cartera atrasada. Conclusión: Las reprogramaciones de créditos de la cartera vigente por el inicio de la pandemia COVID-19 evitó el aumento de provisiones bancarias; sin embargo, el impacto de las reprogramaciones en cada banco fue diferente, aumentando la cartera atrasada.Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Contables2022-12-29info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdftext/htmlhttps://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/2292510.15381/quipu.v30i64.22925Quipukamayoc; Vol. 30 Núm. 64 (2022); 9-21Quipukamayoc; Vol. 30 No. 64 (2022); 9-211609-81961560-9103reponame:Revistas - Universidad Nacional Mayor de San Marcosinstname:Universidad Nacional Mayor de San Marcosinstacron:UNMSMspahttps://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/22925/19017https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/22925/19445Derechos de autor 2022 Kilder Holgado Doradohttp://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessoai:ojs.csi.unmsm:article/229252023-04-25T17:53:51Z |
| dc.title.none.fl_str_mv |
Effects of COVID-19 and number of debtors on consumer loans in Peru Efectos del COVID-19 y número de deudores en los créditos de consumo en Perú |
| title |
Effects of COVID-19 and number of debtors on consumer loans in Peru |
| spellingShingle |
Effects of COVID-19 and number of debtors on consumer loans in Peru Holgado Dorado, Kilder Interest rate covid bank concentration currents credits delinquent portfolio Tasa de interés COVID-19 bancos créditos vigentes créditos de consumo |
| title_short |
Effects of COVID-19 and number of debtors on consumer loans in Peru |
| title_full |
Effects of COVID-19 and number of debtors on consumer loans in Peru |
| title_fullStr |
Effects of COVID-19 and number of debtors on consumer loans in Peru |
| title_full_unstemmed |
Effects of COVID-19 and number of debtors on consumer loans in Peru |
| title_sort |
Effects of COVID-19 and number of debtors on consumer loans in Peru |
| dc.creator.none.fl_str_mv |
Holgado Dorado, Kilder Holgado Dorado, Kilder |
| author |
Holgado Dorado, Kilder |
| author_facet |
Holgado Dorado, Kilder |
| author_role |
author |
| dc.subject.none.fl_str_mv |
Interest rate covid bank concentration currents credits delinquent portfolio Tasa de interés COVID-19 bancos créditos vigentes créditos de consumo |
| topic |
Interest rate covid bank concentration currents credits delinquent portfolio Tasa de interés COVID-19 bancos créditos vigentes créditos de consumo |
| description |
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. |
| publishDate |
2022 |
| dc.date.none.fl_str_mv |
2022-12-29 |
| dc.type.none.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
| format |
article |
| status_str |
publishedVersion |
| dc.identifier.none.fl_str_mv |
https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/22925 10.15381/quipu.v30i64.22925 |
| url |
https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/22925 |
| identifier_str_mv |
10.15381/quipu.v30i64.22925 |
| dc.language.none.fl_str_mv |
spa |
| language |
spa |
| dc.relation.none.fl_str_mv |
https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/22925/19017 https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/22925/19445 |
| dc.rights.none.fl_str_mv |
Derechos de autor 2022 Kilder Holgado Dorado http://creativecommons.org/licenses/by/4.0 info:eu-repo/semantics/openAccess |
| rights_invalid_str_mv |
Derechos de autor 2022 Kilder Holgado Dorado http://creativecommons.org/licenses/by/4.0 |
| eu_rights_str_mv |
openAccess |
| dc.format.none.fl_str_mv |
application/pdf text/html |
| dc.publisher.none.fl_str_mv |
Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Contables |
| publisher.none.fl_str_mv |
Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Contables |
| dc.source.none.fl_str_mv |
Quipukamayoc; Vol. 30 Núm. 64 (2022); 9-21 Quipukamayoc; Vol. 30 No. 64 (2022); 9-21 1609-8196 1560-9103 reponame:Revistas - Universidad Nacional Mayor de San Marcos instname:Universidad Nacional Mayor de San Marcos instacron:UNMSM |
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Universidad Nacional Mayor de San Marcos |
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UNMSM |
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UNMSM |
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Revistas - Universidad Nacional Mayor de San Marcos |
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Revistas - Universidad Nacional Mayor de San Marcos |
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13.882472 |
Nota importante:
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
