Gestión del riesgo crediticio y el índice de morosidad en colaborares de una entidad financiera del departamento de Puno

Abstract

In recent times, the management of credit risk and the NPL is a cause of great concern for companies dedicated to the financial sector; The objective of this study is to determine the relationship existing between credit risk management and the NPL rate in the company Mi Banco. The study corresponds to the quantitative approach, non-experimental type, descriptive-correlational level. It was cross-sectional study. 122 workers participated voluntarily corresponding to a type of non-probabilistic sampling to whom a credit risk scale and NPL rate scale were applied, both statistically validated with acceptable parameters. Based on the results, it has been found that Spearman's Rho correlation is Rho = -0.467, which shows that the relationship is moderately negative and p = 0.000 less than 0.05, so that the alternative hypothesis is accepted and the null hypothesis is rejected. It is inferred that there is a significant relationship between credit risk management and NPL rate. Finally, it is concluded that there is a direct correlation between both variables studied.