Factores de riesgo asociados a la morosidad en los créditos de consumo de las entidades financieras privadas de la ciudad de trujillo – perú año 2011
Moreno Piminchumo, Wilson Alexander
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The present study aimed to determine the risk factors (variables) associated with delinquency, whose design is a correlational research because the response variable is dichotomous delinquency, for which we used a stratified random sample with equal allocation for each stratum consists of 384 customers selected from the population of clients who have applied for credit in consumer credit cards as a sampling frame considering customers of Banco Continental and Banco Interbank Credit Bank located in the urban area of the city of Trujillo in the period 2011. The data were processed with SPSS software vs 15 found that 31.25% of the sample tested turned out to be delinquent. We evaluated the dependence of the risk factors to default the variable determining customers' monthly income does not influence the customer is delinquent. SPSS vs 15 I consider that the variables that influence delinquency in financial institutions are age, marital status, sex, family burden, employment status, monthly income, OPERATIONS IN OTHER ENTITIES determining the right model according to their explanatory variables predict delinquency in financial institutions. We assessed the global significance of the model with the Hosmer and Lemeshow test, R Square Cox and Snell, Nagelkerke R square was determined that the model has good predictive power and that the model is adequate.