Journal of Economics, Finance and Administrative Science

URI permanente para esta comunidadhttps://hdl.handle.net/20.500.12640/4090

La Journal of Economics, Finance and Administrative Science (JEFAS), de la Universidad ESAN, es una publicación académica de acceso abierto que presenta investigaciones revisadas por pares en administración, economía y finanzas, con un enfoque en el contexto latinoamericano e iberoamericano. Fundada en 1992 como Cuadernos de Difusión, en 2009 cambió de nombre a su actual denominación como JEFAS. Ha evolucionado en colaboración con importantes editoriales, como Elsevier y actualmente Emerald Publishing. La revista publica investigaciones de alta calidad sin costo para los autores, con el respaldo de ESAN y su compromiso con la difusión del conocimiento científico y académico, y la práctica gerencial.

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19951

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Autor: search.filters.author.Copa, TulaTema: search.filters.subject.Commercial banking

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    Atractivo del financiamiento a las pequeñas microempresas para la banca comercial privada
    (Universidad ESAN. ESAN Ediciones, 1995-12-30) Copa, Tula; González de Otoya, Gustavo; Linares, César
    In Latin America, small and micro enterprises (SMEs) are considered a tool for combating poverty due to their high capacity to generate employment, in addition to being a significant source of GDP. This article seeks to demonstrate that SMEs, as a subject of credit, can be an attractive option for private commercial banks in Peru. For this purpose, two factors are examined: the Chilean experience of some years ago, since Peru presents the same conditions that made this possible in the neighboring country, and the analysis of the variables that affect the development of SME financing. It is shown that in 1992 the sector of financing to these companies shows great attractions for the financial sector, since there is an insufficient credit offer, the banking entities authorized to provide financing to SMEs are very few, the banks are increasing their money deposits. But at the same time there are risks, such as the arrival of large foreign banks in the market, the emergence of other credit institutions (edpymes) and a high risk of non-repayment of loans.