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Análisis de la morosidad en las instituciones rnicrofinancieras (IMF) en el Peru

Giovanna Aguilar Andía () and Gonzalo Camargo
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Gonzalo Camargo: Instituto de Estudios Peruanos, Pontificia Universidad Católica del Perú, AFP Horizonte

Revista Economía, 2002, issue 50, 65-122

Abstract: The main objective of this research is to identify the variables that affect the Peruvian Microfinance Institutions' (MFI) delinquency. The relative irnportance of three kinds of variables is analyzed. First, aggregate or macroeconomic variables related to Peruvian economic activity (GDP,in flation, etc.). Second, microeconomic variables related to the management policy of the MFI (credit policy, credit technology, incentives system to employees, etc.). And finally, variables related to the local dynamics of markets where MFI make their business (regional GDP, dynamics of local finance market, local productive activity, etc.). An unbalanced dynamic model of panel data for 35 MFI with monthly data in the period 1998-2001 is estimated using the Generalized Method of Moments estimation technique.

Date: 2002
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