Causalidad de fuga en clientes de Banco de las Microfinanzas Bancamía S.A.

Abstract

Bancamía is a microfinance bank that covers sectors such as microcredits for low-income and unbanked people, for this reason one of the main objectives for the bank is to know what segment of people enter the bank, in this way to know the products to offer. However, being a microfinance bank and having a segment focused on people with difficult access to the banking system, there is a regulation by the financial superintendency towards these microcredits, such as high usury rates, since people who come to this bank are people with a high risk of non-compliance in payment of quotas, therefore, it represents a risk for the bank to have clients of this type. Thus, the bank has a comparative advantage with respect to the other banks, since the rate gain is greater for the credit placed.