The objective of this article was to analyze the Bank interest rates for Micro and Small Businesses (Mypes), Peru, 2015 to 2018, being of great importance the research since Mypes are 99.4% of companies in the country and provide 88 % of employment. The type of investigation was descriptive, analytical - deductive and comparative - historical method. The results indicated that the Bank’s active interest rates were for micro-enterprises: 34.89% (2015), 37.19% (2016), 36.29% (2017) and 32.70% (2018) and for small companies: 20.45% (2015), 21.65% (2016), 19.76% (2017) and 18.50% (2018); both in national currency. Concluding, that between the years 2015 to 2018, the banks determined high active interest rates, as a result of the freedom granted by Article 9 of the Banking Law, and the behavior they presented was the product of the monetary policy established by the BCRP, since the interest...

The objective of this article was to analyze the Bank interest rates for Micro and Small Businesses (Mypes), Peru, 2015 to 2018, being of great importance the research since Mypes are 99.4% of companies in the country and provide 88 % of employment. The type of investigation was descriptive, analytical - deductive and comparative - historical method. The results indicated that the Bank’s active interest rates were for micro-enterprises: 34.89% (2015), 37.19% (2016), 36.29% (2017) and 32.70% (2018) and for small companies: 20.45% (2015), 21.65% (2016), 19.76% (2017) and 18.50% (2018); both in national currency. Concluding, that between the years 2015 to 2018, the banks determined high active interest rates, as a result of the freedom granted by Article 9 of the Banking Law, and the behavior they presented was the product of the monetary policy established by the BCRP, since the interest...

La presente investigación tuvo como objetivo general determinar la influencia del crédito bancario en el crecimiento empresarial de las micro y pequeñas empresas (Mypes) del distrito de La Victoria, 2019. El método de investigación fue hipotético-deductivo, el tipo de investigación fue aplicada; con un diseño no experimental, de corte transversal, analítico, descriptivo, correlacional y explicativo. La población fue de 26,219 Mypes formales del distrito de La Victoria que se encuentran en Gamarra y la muestra estuvo conformada por 379 Mypes. Se recurrió a información documental y a investigación de campo utilizando como técnica de recolección de datos a la encuesta, con el instrumento denominado cuestionario, que estuvo conformado por 27 preguntas, con escala tipo Likert. El instrumento tuvo confiabilidad aceptable siendo el coeficiente Alfa de Cronbach igual a 0.917. Para...