Estimación del detrimento de la cartera de microcréditos : caso “Desembolsamos S.A.”

Abstract

The objective of this study is to determine, by means of qualitative and quantitative variables the deterioration of the portfolio for the company "Desembolsamos S.A." (Company named hypothetically to reserve the name and use of the information in the application of the information in the application of the object of study for this thesis), which as its main activity grants loans from $ 100,000 to $ 500,000 payable in 30 days, taking as sample 6,582 credits subdivided into 6 categories such as Not Approved (N.A), Paid Late (P.L), Paid (P), Reported (R), Overdue (O) and Disbursed (D), determining the expected probability of loss of money over time, performing an analysis, comparing the deterioration of the applied with qualitative factors against the current fiscal regulations, ending with a linear regression economic model to interpret if the variables taken are effective to evaluate the loss of money over time.