La morosidad y su incidencia en la rentabilidad en los bancos privados de microempresa, en el periodo 2015 2019

Abstract

Abstract:This study addresses the issue of delinquency and its impact on the profitability of private banking institutions. For this, it is considered that the default of payments generates various problems for delinquent clients, specifically in the credit rating, as well as the financial institutions themselves, as well as the entire system, when this behavior becomes a trend or increases. significantly. For the correct development of the study, it begins with the statement of the problem, formulating the statement, the objectives, the justification and the delimitation. As the next point, the theoreticalframework is presented, specifying the antecedents, the state of the art, banking in the country and the financial system, delinquency and bank credit, among other important points. Then, the research methodology is presented, describing the approach, scope, design, methods and instrument for collecting information. Based on these elements, the analysis of the impact of default on the profitability of national private banks is presented. Finally, the conclusions and recommendations are presented.