PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD

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The objective of this study is to show thai the excessive interest rates over 100% per annun of the loans to SMB detracts their competiveness and deteriorates their capital. Similar/y, to propase new [inancial mechanisms and alternatives to the traditional system because more than 82% of the SMB can...

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Detalles Bibliográficos
Autor: Mauricio Pachas, Pablo Willins
Formato: artículo
Fecha de Publicación:2004
Institución:Universidad Nacional Mayor de San Marcos
Repositorio:Revistas - Universidad Nacional Mayor de San Marcos
Lenguaje:español
OAI Identifier:oai:ojs.csi.unmsm:article/9803
Enlace del recurso:https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/9803
Nivel de acceso:acceso abierto
Materia:Microfinanzas
pequeñas y microempresas (PYMES)
SMB finances
SMB
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oai_identifier_str oai:ojs.csi.unmsm:article/9803
network_acronym_str REVUNMSM
network_name_str Revistas - Universidad Nacional Mayor de San Marcos
repository_id_str
dc.title.none.fl_str_mv PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
title PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
spellingShingle PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
Mauricio Pachas, Pablo Willins
Microfinanzas
pequeñas y microempresas (PYMES)
SMB finances
SMB
title_short PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
title_full PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
title_fullStr PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
title_full_unstemmed PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
title_sort PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDAD
dc.creator.none.fl_str_mv Mauricio Pachas, Pablo Willins
author Mauricio Pachas, Pablo Willins
author_facet Mauricio Pachas, Pablo Willins
author_role author
dc.subject.none.fl_str_mv Microfinanzas
pequeñas y microempresas (PYMES)
SMB finances
SMB
topic Microfinanzas
pequeñas y microempresas (PYMES)
SMB finances
SMB
description The objective of this study is to show thai the excessive interest rates over 100% per annun of the loans to SMB detracts their competiveness and deteriorates their capital. Similar/y, to propase new [inancial mechanisms and alternatives to the traditional system because more than 82% of the SMB can' t have access to the Multiple Commercial Banks which offer loans with lesser interest raies, with an average of 20% per annun (Local Currency Annual Interest Rate-LCAIR). By the study and exploration methodology of secondary sources, the main problem of the SMB is highlightedas tfiefinancia/ one, as told by 65% of them. Results revea[ that the interest rates that charge the small financial institutions Cmicrcfinancieras") is in the arder of 98.7% per annun (Edpyme-SMB development institutions), 135.98% the (Caja Municipal-Local Municipalities Loans Institutions) and 186.8% the Consumer Banks, which are excessive when compared to the average 20% charged by the Multiple Banks and it has been found that 50% of thefinancing to the sharks which charge an interest rate of more than 10% per month which roughly represents an interest rate of 213.84% per annun, in absence of an effective Government Policy Act in support oftheSMB. Conclusions: The most expensive loans of the Peruvian financial system are the ones that are given to the SMB. This is aggravated by the high level of informality of the industry, which is in the arder of the 60%, which is similar to the informality of the Peruvian economy in the arder of the 59.4% of the DGP (Domestic Cross Product). It is then imperative to revert its troublesome state and in this sense, our proposal represents and alternative to the traditional financial system by considering converting the government owned Financial Development Corporation (COFIDE in Spanish) (using its underutilized capacity) into a SMB Bank and thus gaining access to international credit lines at international credit rates and lending then to the SMB at market interest rates.
publishDate 2004
dc.date.none.fl_str_mv 2004-07-19
dc.type.none.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Artículo revisado por pares
format article
status_str publishedVersion
dc.identifier.none.fl_str_mv https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/9803
10.15381/gtm.v7i13.9803
url https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/9803
identifier_str_mv 10.15381/gtm.v7i13.9803
dc.language.none.fl_str_mv spa
language spa
dc.relation.none.fl_str_mv https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/9803/9292
dc.rights.none.fl_str_mv Derechos de autor 2004 Pablo Willins Mauricio Pachas
https://creativecommons.org/licenses/by-nc-sa/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Derechos de autor 2004 Pablo Willins Mauricio Pachas
https://creativecommons.org/licenses/by-nc-sa/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Administrativas
publisher.none.fl_str_mv Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Administrativas
dc.source.none.fl_str_mv Gestión en el Tercer Milenio; Vol. 7 No. 13 (2004); 19-27
Gestión en el Tercer Milenio; Vol. 7 Núm. 13 (2004); 19-27
1728-2969
1560-9081
10.15381/gtm.v7i13
reponame:Revistas - Universidad Nacional Mayor de San Marcos
instname:Universidad Nacional Mayor de San Marcos
instacron:UNMSM
instname_str Universidad Nacional Mayor de San Marcos
instacron_str UNMSM
institution UNMSM
reponame_str Revistas - Universidad Nacional Mayor de San Marcos
collection Revistas - Universidad Nacional Mayor de San Marcos
repository.name.fl_str_mv
repository.mail.fl_str_mv
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spelling PRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDADPRÉSTAMOS CAROS A LAS PYMES; LE RESTAN COMPETITIVIDADMauricio Pachas, Pablo WillinsMicrofinanzaspequeñas y microempresas (PYMES)SMB financesSMBThe objective of this study is to show thai the excessive interest rates over 100% per annun of the loans to SMB detracts their competiveness and deteriorates their capital. Similar/y, to propase new [inancial mechanisms and alternatives to the traditional system because more than 82% of the SMB can' t have access to the Multiple Commercial Banks which offer loans with lesser interest raies, with an average of 20% per annun (Local Currency Annual Interest Rate-LCAIR). By the study and exploration methodology of secondary sources, the main problem of the SMB is highlightedas tfiefinancia/ one, as told by 65% of them. Results revea[ that the interest rates that charge the small financial institutions Cmicrcfinancieras") is in the arder of 98.7% per annun (Edpyme-SMB development institutions), 135.98% the (Caja Municipal-Local Municipalities Loans Institutions) and 186.8% the Consumer Banks, which are excessive when compared to the average 20% charged by the Multiple Banks and it has been found that 50% of thefinancing to the sharks which charge an interest rate of more than 10% per month which roughly represents an interest rate of 213.84% per annun, in absence of an effective Government Policy Act in support oftheSMB. Conclusions: The most expensive loans of the Peruvian financial system are the ones that are given to the SMB. This is aggravated by the high level of informality of the industry, which is in the arder of the 60%, which is similar to the informality of the Peruvian economy in the arder of the 59.4% of the DGP (Domestic Cross Product). It is then imperative to revert its troublesome state and in this sense, our proposal represents and alternative to the traditional financial system by considering converting the government owned Financial Development Corporation (COFIDE in Spanish) (using its underutilized capacity) into a SMB Bank and thus gaining access to international credit lines at international credit rates and lending then to the SMB at market interest rates.El objetivo del estudio es exponer que las excesivas tasas de interés superior al 100% anual de los préstamos a las PYMES le vienen restando competitividad y deteriorando su Patrimonio. Del mismo modo proponer nuevos mecanismos y alternativas definanciamiento al sistema tradicional; ya que más del 82% de las PYMES no pueden acceder a la Banca Múltiple-Comercial que ofertan préstamos a menor tasa, cuyo promedio es del 20 % anual (TAMN). Según el método de estudio y exploración de fuentes secundarias se destaca que el principal problema de las PYMES es el financiamiento, manifestado por el 65% de ellas. Los resultados revelan que las tasas que cobran las microfinancieras son del 98.70% de interés anual (Edpyme), 135.98% (Caja Municipal) y 186.80% (Banca de Consumo), lo que resultan excesivas al compa- rarlas con el 20% en promedio que cobran la Banca Múltiple y por otro lado se determina que el 50% del financiamiento a las PYMES lo otorgan prestamistas informales cobrando tasas usureras por encima del 10% mensual equivalente al 213.84% anual, ante la ausencia de una efectiva Política de Estado de apoyo a las PYMES. Conclusión: Los préstamos más caros del sistema son los que asumen las Pymes, agravadopor su elevado nivel de informalidad del 60%, coincidente con la informalidad de la economía del orden del 59.4% del PBI, por lo que resulta imperativo revertir su problemática y en este sentido nuestra propuesta constituye alternativa al sistema definanciamiento tradicional, considerando, convertir COFIDE (aprovechando su capacidad no utilizada) en Banco de las PYMES y acceder a líneas de financiamiento extranjeras a tasa de interés internacionales y colocar prestamos a las PYMES a tasa de mercado.Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Administrativas2004-07-19info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtículo revisado por paresapplication/pdfhttps://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/980310.15381/gtm.v7i13.9803Gestión en el Tercer Milenio; Vol. 7 No. 13 (2004); 19-27Gestión en el Tercer Milenio; Vol. 7 Núm. 13 (2004); 19-271728-29691560-908110.15381/gtm.v7i13reponame:Revistas - Universidad Nacional Mayor de San Marcosinstname:Universidad Nacional Mayor de San Marcosinstacron:UNMSMspahttps://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/9803/9292Derechos de autor 2004 Pablo Willins Mauricio Pachashttps://creativecommons.org/licenses/by-nc-sa/4.0info:eu-repo/semantics/openAccessoai:ojs.csi.unmsm:article/98032020-05-03T11:26:57Z
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