Estudio del comportamiento del crédito microempresa en Perú (2011 – 2021)
Date
2023-09-04
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Pontificia Universidad Católica del Perú
Abstract
El presente documento analiza el comportamiento del crédito y el grado de
concentración que tiene el crédito microempresa en la industria financiera peruana,
para el periodo 2011 - 2021. Como marco teórico se analizan los trabajos de Kala
(2008) y Morón et al. (2010). La hipótesis considera la conducta oligopólica en el
crédito microempresa utilizando los modelos de variación conjetural y de la demanda
residual, que tienen como variables el saldo de crédito y la tasa de interés. Como
resultado, el primer modelo mostró que, el mercado de crédito microempresa presenta
un comportamiento oligopólico, y el segundo modelo muestra que no existe evidencia
de un aumento de la competencia en la industria financiera. Así es como se ve el
comportamiento oligopólico.
This document analyzes the behavior of microenterprise credit and the degree of concentration in the Peruvian financial industry, for the period 2011 - 2021. The works of Kala (2008) and Morón et al. (2010) are considered for the theoretical framework. The hypothesis of oligopolistic behavior in microenterprise credit is proposed using the models of conjectural variation and residual demand, which have as variables the balance of credit and the interest rate. Regarding results, the first model shows that the microenterprise credit market exhibits oligopolistic behavior, and the second model shows that there is no evidence of increased competition in the financial industry. This is what oligopolistic behavior looks like.
This document analyzes the behavior of microenterprise credit and the degree of concentration in the Peruvian financial industry, for the period 2011 - 2021. The works of Kala (2008) and Morón et al. (2010) are considered for the theoretical framework. The hypothesis of oligopolistic behavior in microenterprise credit is proposed using the models of conjectural variation and residual demand, which have as variables the balance of credit and the interest rate. Regarding results, the first model shows that the microenterprise credit market exhibits oligopolistic behavior, and the second model shows that there is no evidence of increased competition in the financial industry. This is what oligopolistic behavior looks like.
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Keywords
Crédito--Perú, Pequeñas y medianas empresas--Finanzas--Perú, Concentración industrial--Perú, Competencia económica--Perú
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