IDEAS home Printed from https://ideas.repec.org/a/dbk/datame/v3y2024ip362id1056294dm2024362.html
   My bibliography  Save this article

Non-performing loans and their impact on the profitability of Peruvian Municipal Savings and Loan Banks

Author

Listed:
  • Cesar Alvino Poemape Alfaro
  • Miguel Fernando Ramos Romero
  • Flor de María Lioo Jordan
  • Viviana Inés Vellón Flores
  • Jesús Jacobo Coronado Espinoza
  • Abraham César Neri Ayala

Abstract

Efficiently managing loans granted can have an immediate effect on the profitability and viability of a financial institution. Considering this, this study determined the impact of past-due loans on the profitability of the Peruvian Municipal Savings and Loan Banks during the period 2022. A quantitative, non-experimental, cross-sectional, correlational-causal methodology was used, which employed documentary analysis and the design of a data sheet. The population and sample consisted of 11 Municipal Savings and Loan Associations, which have been approved and are inspected by the Superintendence of Banking, Insurance and Private Pension Fund Administrators. A positive and moderate correlation of Rho = 460 and a significance level greater than 0,05 (0,154 > 0,05) was found, that is, overdue loans have a positive, but not significant, impact on the profitability of these financial institutions. The behaviors of these variables allow us to conclude that having more past-due loans will not always result in lower profitability, since there may be other factors that help mitigate this negative impact

Suggested Citation

Handle: RePEc:dbk:datame:v:3:y:2024:i::p:362:id:1056294dm2024362
DOI: 10.56294/dm2024362
as

Download full text from publisher

To our knowledge, this item is not available for download. To find whether it is available, there are three options:
1. Check below whether another version of this item is available online.
2. Check on the provider's web page whether it is in fact available.
3. Perform a
for a similarly titled item that would be available.

More about this item

Statistics

Access and download statistics

Corrections

All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:dbk:datame:v:3:y:2024:i::p:362:id:1056294dm2024362. See general information about how to correct material in RePEc.

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

We have no bibliographic references for this item. You can help adding them by using this form .

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Javier Gonzalez-Argote (email available below). General contact details of provider: https://dm.ageditor.ar/ .

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.