Incidencia de la tasa de interés en la rentabilidad de empresas microfinancieras en el Perú: 2013-2018
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Date
2020
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Universidad Nacional de Trujillo
Abstract
Determinar la incidencia de la tasa de interés en la rentabilidad de empresas microfinancieras en el Perú: 2013-2018. Este estudio es un tipo de investigación no experimental de corte longitudinal y correlacional. Se halló que, la tasa de interés promedio (B1= -1.29) y la morosidad (B2= -1.03) tienen una incidencia inversa y significativa; mientras que la solvencia (B3= 0.54) y la liquidez (B4= 0.06) tienen una incidencia directa y significativa. Con un (R2=0.969) en la rentabilidad de las empresas microfinancieras en el Perú, 2013-2018. La tasa de interés promedio que cobran las empresas microfinancieras a las microempresas es: Debajo del 40% (Mitsui, Confianza, Proempresa y TFC). superiores de 60% (Crear y Efectiva). Y Crediscotia y Universal tienen tasas promedio entre 40% y %50%. En promedio las empresas microfinancieras mantienen su ratio de solvencia entre 15 a 18 puntos porcentuales. Con respecto al ratio de eficiencia, este ha experimentado un aumento permanente, basado en la adquisición e implementación de nuevas tecnologías para las diferentes instituciones microfinancieras.
ABSTRACT Determine the incidence of the interest rate on the profitability of microfinance companies in Peru: 2013-2018. This study is a type of non-experimental investigation of longitudinal and correlational cutting. It was found that the average interest rate (B1 = -1.29) and late payment (B2 = -1.03) have a significant and inverse incidence; while solvency (B3 = 0.54) and liquidity (B4 = 0.06) have a direct and significant impact. With a (R2 = 0.956) in the profitability of microfinance companies in Peru, 2013-2018. The average interest rate charged by microfinance companies to microenterprises is: Below 40% (Mitsui, Trust, Procurement and TFC). over 60% (Create and Effective). And Crediscotia and Universal have average rates between 40% and 50%. On average, microfinance companies maintain their solvency ratio between 15 to 18 percentage points. With respect to the efficiency ratio, this has experienced a permanent increase, based on the acquisition and implementation of new technologies for the different microfinance institutions.
ABSTRACT Determine the incidence of the interest rate on the profitability of microfinance companies in Peru: 2013-2018. This study is a type of non-experimental investigation of longitudinal and correlational cutting. It was found that the average interest rate (B1 = -1.29) and late payment (B2 = -1.03) have a significant and inverse incidence; while solvency (B3 = 0.54) and liquidity (B4 = 0.06) have a direct and significant impact. With a (R2 = 0.956) in the profitability of microfinance companies in Peru, 2013-2018. The average interest rate charged by microfinance companies to microenterprises is: Below 40% (Mitsui, Trust, Procurement and TFC). over 60% (Create and Effective). And Crediscotia and Universal have average rates between 40% and 50%. On average, microfinance companies maintain their solvency ratio between 15 to 18 percentage points. With respect to the efficiency ratio, this has experienced a permanent increase, based on the acquisition and implementation of new technologies for the different microfinance institutions.
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Keywords
Rentabilidad, Empresas microfinancieras, Tasa de interés