Impacto de las garantías de crédito en la mora crediticia de Mibanco – Oficina Chepén -2021
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Date
2023
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Publisher
Universidad Nacional de Trujillo
Abstract
La presente investigación se realizó con el objetivo de determinar el impacto de las garantías crediticias en la morosidad crediticia de MiBanco - Sucursal Chepén - 2021. Por ello, se presentó una investigación no experimental descriptiva, de carácter transversal. La muestra de estudio estuvo constituida por la cartera de clientes de MiBanco Sucursal Chepén en el año 2021. Para la recolección y análisis de las variables de estudio se utilizó la técnica de análisis de datos, junto con su formulario de análisis de datos. Se concluyó que el impacto de las garantías de crédito en la morosidad crediticia de la sucursal en el año 2021 es significativo. Esto se evidencia en una diferencia muy significativa en promedio de 20,9 puntos entre los créditos con garantías y sin garantías, al comparar la tasa de morosidad del saldo moroso inicial. Las garantías brindan soporte para la cobranza a la institución, exigiendo al cliente deudor el cumplimiento de la obligación insoluta, agilizando y facilitando el proceso de cobranza.
The present research was conducted with the objective of determining the impact of credit guarantees on the credit delinquency of MiBanco - Chepén Branch - 2021. Therefore, it presented a descriptive non-experimental research, of a cross-sectional nature. The study sample consisted of the client portfolio of MiBanco Chepén Branch in the year 2021. For the collection and analysis of the study variables, the data analysis technique was used, along with its data analysis form. It was concluded that the impact of credit guarantees on the credit delinquency of the branch in the year 2021 is significant. This is evidenced by a very significant difference in average of 20.9 points between credits with guarantees and those without guarantees, when comparing the delinquency rate of the initial delinquent balance. Guarantees provide support for collection to the institution, demanding compliance with the unpaid obligation from the debtor client, making the collection process more dynamic and easier.
The present research was conducted with the objective of determining the impact of credit guarantees on the credit delinquency of MiBanco - Chepén Branch - 2021. Therefore, it presented a descriptive non-experimental research, of a cross-sectional nature. The study sample consisted of the client portfolio of MiBanco Chepén Branch in the year 2021. For the collection and analysis of the study variables, the data analysis technique was used, along with its data analysis form. It was concluded that the impact of credit guarantees on the credit delinquency of the branch in the year 2021 is significant. This is evidenced by a very significant difference in average of 20.9 points between credits with guarantees and those without guarantees, when comparing the delinquency rate of the initial delinquent balance. Guarantees provide support for collection to the institution, demanding compliance with the unpaid obligation from the debtor client, making the collection process more dynamic and easier.
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Keywords
Garantías de crédito, Mora, Morosidad