Analysis of the determining factors that influence on credit delay, Puno, Peru

• Autores: Jallo Sanga, Maritza Magdalena, Ticona Carrizales, Lucio, Apaza Panca, Cynthia Milagros, Ticona Condori, Madeleine Nanny, Rodríguez Chokewanca, Ingrid Rossana
• Formato: artículo
• Fecha de Publicación: 2022
• Institución: Universidad Privada de Tacna
• Repositorio: Revistas - Universidad Privada de Tacna
• Lenguaje: español
• OAI Identifier: oai:revistas.upt.edu.pe:article/606
• Enlace del recurso: https://revistas.upt.edu.pe/ojs/index.php/vestsc/article/view/606
• Nivel de acceso: acceso abierto
• Materia: Cartera crediticia; determinantes; Entidad; morosidad; principal actividad; Loan portfolio; determinants; Entity; delinquency; main activity

Considering what is pertinent to the fact that the allocation of credits is the main activity carried out by banks and, in turn, is an essential source of their income, in such a way that delinquency is a very worrying issue for a credit institution; That is why the objective of this research study is to identify and explain the determining factors that influence credit default in the town of Puno, period 2009 to 2019; For this, the deductive-inductive and analytical method was proposed that involves the treatment of time series variables with a linear econometric model, by ordinary least squares, in which it allowed us to analyze the determinants of delinquency as a dependent variable is being explained significantly by GDP, it is a macroeconomic variable, and microeconomic variables within the town of Puno; and together they are significant, and these variables will contribute to the high default rate. Considering what is pertinent to the fact that the allocation of credits is the main activity carried out by banks and, in turn, is an essential source of their income.