Influencia de los créditos otorgados por la banca múltiple en la actividad comercial de la región Loreto, periodo 2014 - 2018

• Autor: Córdova Paima, Luis Carlos
• Formato: tesis de maestría
• Fecha de Publicación: 2021
• Institución: Universidad Nacional De La Amazonía Peruana
• Repositorio: UNAPIquitos-Institucional
• Lenguaje: español
• OAI Identifier: oai:repositorio.unapiquitos.edu.pe:20.500.12737/7908
• Enlace del recurso: https://hdl.handle.net/20.500.12737/7908
• Nivel de acceso: acceso abierto
• Materia: Crédito comercial; Bancos comerciales; Morosidad comercial; http://purl.org/pe-repo/ocde/ford#5.02.04

Credit is a necessary instrument to make the economy grow, since a large part of the companies need working capital and are limited in resources, especially commercial activity. The objective of this thesis is to determine the influence of the credits granted by commercial banks in the commercial activity of the Loreto region, in the period 2014 - 2018. For this, this investigation of Quantitative type, Correlational level and Non-Experimental design. The investigation concludes that the credits did not determine the behavior of the commercial activity, since the Correlation Coefficient obtained a value of r = 0.34991661; and the Determination Coefficient of R2 = 0.12244163; this shows that there is no association or determination between the credits of the financial system and the commercial activity of Loreto. On the other hand, mainly Multiple Banking granted the loans, representing 70.14%, a segment made up of commercial banks. Commercial activity had a growing behavior throughout the 2014 - 2015 period, growing at an average annual rate of 1.98%, equivalent to S /. 1,453.20 million per year. The Commerce activity was the second in importance in the conformation of the Gross Added Value of the region. The Agrobank was the institution that had the highest average delinquency, reaching 15.88%; being 5% the standard.