El desarrollo de las microfinanzas y medidas para promover la competencia en el Perú: periodo 2010-2020

Abstract

The purpose of this document is to carry out a qualitative and quantitative descriptive analysis on the level of development of microfinance in Peru, its characteristics and initiatives to promote competition. In this sense, the entities of the microfinance system classified and supervised by the SBS are taken into account, although the banks, cooperatives and NGOs that operate in the Peruvian microfinance system have not been left aside as a reference. The analysis carried out in this work describes the processes, characteristics and qualities of its development during the period 2010 - 2020, for this purpose data and indicators from MFIs, statistical information from the SBS, government entities, private institutions dedicated to the study of microfinance are used. The results show the level of benefits for users as there is greater coverage, lower costs, a favorable environment, better products and services where microfinance entities prioritize the satisfaction of their clients. Therefore, it is concluded that the development of microfinance and the level of competition are favorable, reflected in financial indicators, statistics and classification at the international level.