CREDIT SCORING AS AN ALTERNATIVE TO MINIMIZE CREDIT RISK IN MI-CROFINANCE INSTITUTIONS DURING COVID-19

Calderón M.B.Q.; Guzmán R.M.T.; Barbuda J.J.M.; García L.A.T.; Cabrera W.F.R. · Universidad y Sociedad (2022)

Resumen

In Peru, the success and sustainable development of microfinance has been based on such important aspects as the insti-tutional regulatory framework of support, especially the financial information and transparency standards, credit bureaus, interest rate dissemination, appropriate credit technologies, and the promotion of price transparency and market competition. However, this market niche is becoming more and more competitive due to the natural effects of globalization, expressed in the entry of oligopolistic companies imposing themselves with new capital and, fundamentally, with updated technologies in risk management. The objective of this paper is to propose a Credit Scoring model to minimize the credit risk of the microcre-dit portfolio of the microfinance sector in Peru.

Instituciones: Universidad Católica Los Ángeles de Chimbote