Factores determinantes de la morosidad de la agencia Mibanco en un contexto de pandemia COVID-19 en Cajamarca, 2020
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Date
2024
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Universidad Nacional de Trujillo
Abstract
La presente investigación tuvo como propósito analizar los factores determinantes que influyeron en la morosidad de la agencia Mibanco en Cajamarca durante el contexto de pandemia por COVID-19 en el año 2020. Utilizó una metodología de enfoque cuantitativo, con un diseño no experimental, un alcance explicativo, y un modelo econométrico Logit ordinal. La base de datos, proporcionada por la entidad financiera, abarcó información de 6065 clientes. Los resultados revelaron que la morosidad se mantuvo en niveles relativamente controlados, con un 79.19% de clientes no morosos, un 19.57% en morosidad inicial y un 1.24% en morosidad grave. El modelo Logit ordinal evidenció que los factores determinantes de la morosidad fueron significativos en su conjunto (Wald Chi 2 = 116.592; valor p = 0.000), mientras que, a nivel individual, el número de operaciones de crédito (coeficiente = 0.524; p < 0.05), el nivel de educación (coeficiente = -0.170; p < 0.05), y la experiencia en el negocio (coeficiente = -0.016; p < 0.05) fueron los factores determinantes estadísticamente significativos de la morosidad. Es decir, un mayor número de operaciones incrementa la probabilidad de pertenecer a categorías más altas de morosidad, un nivel educativo superior y una mayor experiencia en la actividad económica reducen dicha probabilidad. El estudio concluyó que los factores determinantes de la morosidad en la agencia y contexto analizado fueron el número de operaciones de crédito, el tipo de negocio, las características demográficas y socioeconómicas, y la experiencia en la actividad desarrollada por los clientes.
The purpose of this research was to analyze the determining factors that influenced the delinquency of the Mibanco agency in Cajamarca during the context of the COVID-19 pandemic in the year 2020. It used a quantitative approach methodology, with a non-experimental design, an explanatory scope, and an ordinal Logit econometric model. The database, provided by the financial institution, included information on 6065 clients. The results revealed that delinquency remained at relatively controlled levels, with 79.19% of clients not delinquent, 19.57% in initial delinquency and 1.24% in serious delinquency. The ordinal Logit model evidenced that the determinants of delinquency were significant as a whole (Wald Chi 2 = 116.592; p-value = 0.000), while, at the individual level, the number of credit operations (coefficient = 0.524; p < 0.05), level of education (coefficient = -0.170; p < 0.05), and experience in the business (coefficient = -0.016; p < 0.05) were the statistically significant determinants of delinquency. That is, a higher number of transactions increases the probability of belonging to higher delinquency categories, a higher educational level and more experience in business reduce this probability. The study concluded that the determinants of delinquency in the agency and context analyzed were the number of credit operations, the type of business, demographic and socioeconomic characteristics, and experience in the activity carried out by the clients.
The purpose of this research was to analyze the determining factors that influenced the delinquency of the Mibanco agency in Cajamarca during the context of the COVID-19 pandemic in the year 2020. It used a quantitative approach methodology, with a non-experimental design, an explanatory scope, and an ordinal Logit econometric model. The database, provided by the financial institution, included information on 6065 clients. The results revealed that delinquency remained at relatively controlled levels, with 79.19% of clients not delinquent, 19.57% in initial delinquency and 1.24% in serious delinquency. The ordinal Logit model evidenced that the determinants of delinquency were significant as a whole (Wald Chi 2 = 116.592; p-value = 0.000), while, at the individual level, the number of credit operations (coefficient = 0.524; p < 0.05), level of education (coefficient = -0.170; p < 0.05), and experience in the business (coefficient = -0.016; p < 0.05) were the statistically significant determinants of delinquency. That is, a higher number of transactions increases the probability of belonging to higher delinquency categories, a higher educational level and more experience in business reduce this probability. The study concluded that the determinants of delinquency in the agency and context analyzed were the number of credit operations, the type of business, demographic and socioeconomic characteristics, and experience in the activity carried out by the clients.
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HUMANITIES and RELIGION::History and philosophy subjects::History subjects::History