Incidencia de la concentración del mercado de créditos en la rentabilidad del Banco de Crédito del Perú: 2010- 2019
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Date
2021
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Universidad Nacional de Trujillo
Abstract
El objetivo general de la investigación es analizar la incidencia de la concentración del mercado crediticio en la rentabilidad del Banco de Crédito del Perú: 2010-2019. La investigación es no experimental, longitudinal y correlacional. Mediante el método hipotético-deductivo se ha contrastado la hipótesis previa con la teoría económica pertinente y los estudios empíricos analizados, mediante un modelo econométrico. Finalmente, se halló que las variaciones en la concentración del mercado de créditos tienen una incidencia directa y significativa (B1=3.57) en la rentabilidad del BCP, periodo 2000-2019., la evidencia indica un buen ajuste de modelo; las variables independientes consideradas explican el 94.6% la rentabilidad del Banco de Créditos del Perú.
ABSTRACT The general objective of the research is to analyze the incidence of the concentration of the credit market on the profitability of Banco de Crédito del Perú: 2010-2019. The research is non-experimental, longitudinal, and correlational. By means of the hypothetico-deductive method, the previous hypothesis has been contrasted with the pertinent economic theory and the empirical studies analyzed, using an econometric model. Finally, it was found that the variations in the concentration of the credit market have a direct and significant incidence (B1 = 3.57) in the profitability of the BCP, period 2000- 2019. The evidence indicates a good model fit; The independent variables considered explain 94.6% the profitability of Banco de Creditos del Peru.
ABSTRACT The general objective of the research is to analyze the incidence of the concentration of the credit market on the profitability of Banco de Crédito del Perú: 2010-2019. The research is non-experimental, longitudinal, and correlational. By means of the hypothetico-deductive method, the previous hypothesis has been contrasted with the pertinent economic theory and the empirical studies analyzed, using an econometric model. Finally, it was found that the variations in the concentration of the credit market have a direct and significant incidence (B1 = 3.57) in the profitability of the BCP, period 2000- 2019. The evidence indicates a good model fit; The independent variables considered explain 94.6% the profitability of Banco de Creditos del Peru.
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Keywords
Rentabilidad, Mercado crediticio, Banco de crédito