Impacto de la violencia contra las mujeres en la morosidad financiera de duenas de microemprendimientos, segun atestiguan lasos asesorases de finanzas empresariales de una caja municipal en Lima-Peru: 2014

Type Journal Article - Revista de Ciencias Empresariales de la Universidad de San Martin de Porres
Title Impacto de la violencia contra las mujeres en la morosidad financiera de duenas de microemprendimientos, segun atestiguan lasos asesorases de finanzas empresariales de una caja municipal en Lima-Peru: 2014
Author(s)
Volume 5
Issue 4
Publication (Day/Month/Year) 2014
Page numbers 40-50
URL http://www.administracion.usmp.edu.pe/institutoinvestigacion/wp-content/uploads/sites/9/2014/02/impa​cto_de_la_violencia_contra_las_mujeres_en_la_morosidad_financiera1ul.pdf
Abstract
Objective: To determine the impact of intimate partner violence against the women (VaW) in the financial
delinquency of female owners of microbusinesses, according to the testimony of enterprise finances
advisors of a municipal bank in Lima-Peru: 2014. Method: An exploratory design, was 68 advisers who
fulfilled the inclusion and exclusion criteria of a universe of 200 enterprise finances advisoers of a
municipal bank in Lima were surveyed. Results: 66,2% of advisoers observed at least an indication of
emotional and physical damage in their female customers (between 1 and 18 indications) that have hidden
a credit to the partner. 80,9% observed a violent reaction partner discoverd the credit at the time of the
visit and collection of the advisors. The advisers who wirnessed violent reactions (physical and/or
emotional)by their female coustomers, reprogram the credit 3,61 times more, refinanced 2,91 times more
and assumed it as loss (they punished countable) 2,52 times more of those who did not witnessed any
reaction. Conclusions: In the Municipal bank, it has been found that 25.7% of the overdue customers lied
to manage a credit. It has been found that 6 of 10 advisoers observed that their female coustomers
appeared ill, depressed, sad, discouraged, and exhausted when the consultant and advisers came to visit
to carry out a collection management. The conduct of financial of the female owners of microenterprises
not only was due to finacial economic factors, but also to intimate partner violence, that is affecting them,
their payment behavior, their qualification in the financial system, increases the recheduling and/or
punishment of their credits.

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