This article aims to analyze the factors that influence the profitability of rural saving and credit banks and municipal saving and credit banks in Perú, therefore it analyzes the factors related to the internal management of each institution. Portfolio of default and operating expenses are considered as variables that influence in its profitability. The research has a quantitative approach and the data has been structured in the form of panel data with fixed effects; the use of the panel data methodology allows us to determine the existence of a causal relationship between the variables analyzed. Finally, the results indicate that the explanatory variables show high significance, both at the general level of the model and at the individual level.

La presente investigación tiene como objetivo analizar los factores relacionados a la gestión que influyen significativamente en la rentabilidad del sistema de cajas rurales de ahorro y crédito del Perú (CRAC) en el periodo 2016-2019. Entre las variables relacionadas a la gestión interna de las CRAC, se propuso las variables de morosidad, gastos operativos, productividad del oficial de crédito y apalancamiento como variables que explican significativamente el resultado financiero de la CRAC representado por la rentabilidad del patrimonio (ROE) . La investigación tiene un enfoque cuantitativo en vista que los datos utilizados han sido obtenidos de la información de los estados financieros de las CRAC publicadas desde portal web SBS; para ello, se utilizó datos mensuales para el periodo enero del 2016 a diciembre del 2019. Se realizó una estructura de los datos en forma de datos ...

Financial inclusion is a relevant matter that is constantly being looked upon, given its influence in reducing poverty and enabling the low-income population to access financial products and services, thus improving their living condition. This research aims to analyze the evolution of financial inclusion in Peru during the last seven years (2016-2022);also, it takes into consideration information from secondary source databases, such as reports from the World Bank, the Superintendencia de Banca y Seguros, and the Banco Central de Reserva del Perú. The method used has a descriptive and explanatory design. The findings of the research provide evidence that 56% of the Peruvian population has access to financial services (64% in urban areas and 31% in rural areas), which falls below the goal of 75% set by the Peruvian government. This gap can be attributed to customer service costs, includ...

The micro and small business in Peru has been in constant development for 40 years, since then the Municipal Savings and Credit Banks (CMAC) appeared, which have administrative, financial, and economic autonomy and participate in the decentralization of the financial services; However, the growth of the loan portfolio is accompanied by high delinquency indicators related to the credit risk of these institutions. The objective of this work is to analyze whether the over-indebtedness of clients, measured as the balance and number of financial entities that the debtor has, is a variable that has a positive and direct relationship to credit risk, leading to the establishment of higher provisions that negatively affect in the income statements of this group of institutions. This research has a quantitative and correlational approach, where the data collected from 48 months, (2016-2019), were ...

The microfinance market in Peru, presents a marked supply of institutions. All of them, seek to increase their number of placements and deposits; and to achieve this, some institutions have made technological advances in terms of hardware or application development; however, others have adventured to explore how to design digital transformation programs. The objective of this research was to describe an exploration of information associated with digital transformation and tools that microfinance institutions must consider in order to go on this long path of transformation. The method used was based on a hermeneutic study, with a qualitative, exploratory, and descriptive approach, where several bibliographies from different electronic databases were consulted. It was concluded that carrying out a digital transformation in microfinance institutions is not just about digitizing manual proce...