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We studied how the psychometric credit evaluation in the process of granting credit to microentrepreneurs influences the profitability of a banking institution, specialized in microfinance, using the variables of effectiveness, efficiency and profit margin (gross, operating and net), to be contrasted with the content of the study. Likewise, such results will be useful for the financial institution to corroborate whether or not the implementation of such credit risk measurement methodology, since its launching, is favorably affecting its profitability ratios and, consequently, is aligned with the financial objectives of the business. It should be noted that the entity will also be able to know whether or not it is promoting financial inclusion in the country. This is in favor of self-employed workers who have no credit experience whatsoever and are eager to obtain loans for the development of their enterprises.
About the author
MBA e, ingegnere industriale presso l'Universidad Nacional Mayor de San Marcos, alta specializzazione in finanza presso l'ESAN, Product Owner certificato, con oltre 15 anni di esperienza nel settore bancario della microfinanza nelle aree dell'innovazione, della trasformazione digitale e della strategia di prodotto, docente e mentore internazionale di progetti di innovazione.
