Disruptive Evolution of Microfinance in Peru
Autor(a) principal: | |
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Data de Publicação: | 2021 |
Outros Autores: | |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | REMIPE |
Texto Completo: | https://remipe.fatecosasco.edu.br/index.php/remipe/article/view/282 |
Resumo: | The specialized entities in the granting of loans to micro and small businesses in Peru, are oriented to make disruptive and accelerated changes in their processes in order to generate financial efficiency in their indicators, they are aware that they face a real tsunami changes in this massive industry, where increasingly, technological development, digital transformation, the use of big data and analytical tools are driving a revolutionary change that these entities have to do to reinvent themselves and face the new challenges in a much more competitive environment, generated by the oversupply of microfinance institutions and the entry of new "players", which has led to reductions in interest rates, an increase in loan provisions and even, most of these traditional entities, they cannot control operating costs that are by nature high in this sector. Therefore, this work shows us that the continuity of the models that worked at the beginning can become in the short term, questioned or obsolete in their processes and applications, so that, based on this new context, they can change their approach of management and leadership. |
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Disruptive Evolution of Microfinance in PeruEvolución Disruptiva de las Microfinanzas en el PerúMicrofinanzasEmprendedorCréditosRiesgostecnología microfinancieraThe specialized entities in the granting of loans to micro and small businesses in Peru, are oriented to make disruptive and accelerated changes in their processes in order to generate financial efficiency in their indicators, they are aware that they face a real tsunami changes in this massive industry, where increasingly, technological development, digital transformation, the use of big data and analytical tools are driving a revolutionary change that these entities have to do to reinvent themselves and face the new challenges in a much more competitive environment, generated by the oversupply of microfinance institutions and the entry of new "players", which has led to reductions in interest rates, an increase in loan provisions and even, most of these traditional entities, they cannot control operating costs that are by nature high in this sector. Therefore, this work shows us that the continuity of the models that worked at the beginning can become in the short term, questioned or obsolete in their processes and applications, so that, based on this new context, they can change their approach of management and leadership.Las entidades especializadas en el otorgamiento de créditos a la micro y la pequeña empresa en el Perú, están orientadas a realizar cambios disruptivos y acelerados en sus procesos con el fin de generar eficiencia financiera en sus indicadores. Son conscientes, que se enfrentan a un verdadero tsunami de cambios en esta industria masiva, donde cada vez más, el desarrollo tecnológico, la transformación digital, el uso de la big data y de las herramientas analíticas, impulsan hacia un cambio revolucionario que tienen que hacer estas entidades para reinventarse y enfrentar los nuevos desafíos en un entorno mucho más competitivo, generado por la sobreoferta de instituciones microfinancieras y la entrada de nuevos “jugadores”, que ha llevado a reducciones de tasas de interés, a un aumento en las provisiones de créditos y aún, la mayoría de estas entidades tradicionales, no pueden controlar los costos operativos que por naturaleza son altos en este sector. Por lo tanto este trabajo muestra que el continuismo de los modelos que funcionaron al inicio pueden llegar a ser en el corto plazo, cuestionados o ser obsoletos en sus procesos y aplicaciones, por lo que, en base a este nuevo contexto puedan cambiar su enfoque de gestión y liderazgo.As entidades especializadas em conceder créditos a micro e pequenas empresas no Peru são orientadas a realizar mudanças disruptivas e aceleradas em seus processos, a fim de gerar eficiência financeira em seus indicadores. Eles estão cientes de que estão enfrentando um verdadeiro tsunami de mudança nesta indústria massiva, onde o desenvolvimento tecnológico, a transformação digital, o uso de big data e as ferramentas analíticas estão impulsionando uma mudança revolucionária que precisa ser que essas entidades se reinventem e enfrentem os novos desafios em um ambiente muito mais competitivo, gerado pelo excesso de oferta de instituições de microfinanças e pela entrada de novos "players", o que levou a reduções nas taxas de juros, um aumento nas provisões de Empréstimos e, ainda assim, a maioria dessas entidades tradicionais não pode controlar os custos operacionais que por natureza são altos nesse setor. Portanto, este trabalho mostra que a continuidade dos modelos trabalhados no início pode se tornar a curto prazo, questionada ou obsoleta em seus processos e aplicações, para que, com base nesse novo contexto, eles possam mudar sua abordagem para gestão e liderança.FATEC Osasco2021-09-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://remipe.fatecosasco.edu.br/index.php/remipe/article/view/28210.21574/remipe.v7i2.282REMIPE - Revista de Micro e Pequenas Empresas e Empreendedorismo da Fatec Osasco; v. 7 n. 2 (2021): Revista de Micro e Pequenas Empresas e Empreendedorismo da Fatec Osasco; 198-2142446-862210.21574/remipe.v7i2reponame:REMIPEinstname:Faculdade de Tecnologia de Osasco (FATEC)instacron:FATECporhttps://remipe.fatecosasco.edu.br/index.php/remipe/article/view/282/239Copyright (c) 2021 REMIPE - Revista de Micro e Pequenas Empresas e Empreendedorismo da Fatec Osascoinfo:eu-repo/semantics/openAccessToledo Concha, EmersonTanaka, Gustavo 2022-05-20T23:13:28Zoai:remipe.fatecosasco.edu.br:article/282Revistahttp://remipe.fatecosasco.edu.br/index.php/remipe/PRIhttp://remipe.fatecosasco.edu.br/index.php/remipe/oaifernando@fernandoasantos.com.br10.215742446-86222446-8622opendoar:2024-04-22T12:03:08.438432REMIPE - Faculdade de Tecnologia de Osasco (FATEC)false |
dc.title.none.fl_str_mv |
Disruptive Evolution of Microfinance in Peru Evolución Disruptiva de las Microfinanzas en el Perú |
title |
Disruptive Evolution of Microfinance in Peru |
spellingShingle |
Disruptive Evolution of Microfinance in Peru Toledo Concha, Emerson Microfinanzas Emprendedor Créditos Riesgos tecnología microfinanciera |
title_short |
Disruptive Evolution of Microfinance in Peru |
title_full |
Disruptive Evolution of Microfinance in Peru |
title_fullStr |
Disruptive Evolution of Microfinance in Peru |
title_full_unstemmed |
Disruptive Evolution of Microfinance in Peru |
title_sort |
Disruptive Evolution of Microfinance in Peru |
author |
Toledo Concha, Emerson |
author_facet |
Toledo Concha, Emerson Tanaka, Gustavo |
author_role |
author |
author2 |
Tanaka, Gustavo |
author2_role |
author |
dc.contributor.author.fl_str_mv |
Toledo Concha, Emerson Tanaka, Gustavo |
dc.subject.por.fl_str_mv |
Microfinanzas Emprendedor Créditos Riesgos tecnología microfinanciera |
topic |
Microfinanzas Emprendedor Créditos Riesgos tecnología microfinanciera |
description |
The specialized entities in the granting of loans to micro and small businesses in Peru, are oriented to make disruptive and accelerated changes in their processes in order to generate financial efficiency in their indicators, they are aware that they face a real tsunami changes in this massive industry, where increasingly, technological development, digital transformation, the use of big data and analytical tools are driving a revolutionary change that these entities have to do to reinvent themselves and face the new challenges in a much more competitive environment, generated by the oversupply of microfinance institutions and the entry of new "players", which has led to reductions in interest rates, an increase in loan provisions and even, most of these traditional entities, they cannot control operating costs that are by nature high in this sector. Therefore, this work shows us that the continuity of the models that worked at the beginning can become in the short term, questioned or obsolete in their processes and applications, so that, based on this new context, they can change their approach of management and leadership. |
publishDate |
2021 |
dc.date.none.fl_str_mv |
2021-09-01 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://remipe.fatecosasco.edu.br/index.php/remipe/article/view/282 10.21574/remipe.v7i2.282 |
url |
https://remipe.fatecosasco.edu.br/index.php/remipe/article/view/282 |
identifier_str_mv |
10.21574/remipe.v7i2.282 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://remipe.fatecosasco.edu.br/index.php/remipe/article/view/282/239 |
dc.rights.driver.fl_str_mv |
Copyright (c) 2021 REMIPE - Revista de Micro e Pequenas Empresas e Empreendedorismo da Fatec Osasco info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2021 REMIPE - Revista de Micro e Pequenas Empresas e Empreendedorismo da Fatec Osasco |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
FATEC Osasco |
publisher.none.fl_str_mv |
FATEC Osasco |
dc.source.none.fl_str_mv |
REMIPE - Revista de Micro e Pequenas Empresas e Empreendedorismo da Fatec Osasco; v. 7 n. 2 (2021): Revista de Micro e Pequenas Empresas e Empreendedorismo da Fatec Osasco; 198-214 2446-8622 10.21574/remipe.v7i2 reponame:REMIPE instname:Faculdade de Tecnologia de Osasco (FATEC) instacron:FATEC |
instname_str |
Faculdade de Tecnologia de Osasco (FATEC) |
instacron_str |
FATEC |
institution |
FATEC |
reponame_str |
REMIPE |
collection |
REMIPE |
repository.name.fl_str_mv |
REMIPE - Faculdade de Tecnologia de Osasco (FATEC) |
repository.mail.fl_str_mv |
fernando@fernandoasantos.com.br |
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1797047758495940608 |