ABSTRACT
Objective: The objective was to identify the variables that affect the delinquency rate in banking and microfinance institutions, between the periods 2015 and 2020, for which panel data models were used, considering the information registered in the banking and financial institutions to the level of Peru. Method: The methodological design used is quantitative, not experimental, with a descriptive-correlational design, applying the analysis of the data panel for each financial institution (Multiple Banking, Municipal Savings Banks), to observe the behavior over time for the same individuals. Results: It was determined that the behavior of the delinquency of microfinance institutions is having significant effects on the delinquency of loans, and macroeconomic variables like microeconomic variables do determine delinquency rates such as provisions, efficiency of analysts, financial income, liquidity in national currency, growth rate of Gross Domestic Product, and the level of unemployment, both for banks and for municipal savings and credit banks, explaining the study variables in 84.30% in the banking system and in 48.95% in the financial system with respect to delinquency. Conclusions: Macroeconomic and microeconomic variables are determining factors for the level of delinquency in financial institutions.
ABSTRACT
The "Espinar" stabilization lagoon is a body of wastewater that is located in the district (region of Puno), which accumulates wastewater that comes from the population of the city of Puno-Peru. The present study was carried out in January and February of 2019 in affluent and effluent wastewater. The measures of pH, water temperature, total suspended solids, electrical conductivity and salinity were evaluated. The results showed that there are significant differences between the data of the affluent and effluent samples during the periods analyzed (Krustal Wallis). The median concentrations values of the effluent for the parameters of temperature (16.60 °C), salinity (0.67 mg/L), pH (7.70), total dissolved solids (669.00 ppm) and electrical conductivity (1463.07 µs/cm), they all show significant differences. Also, the removal efficiency was calculated by the total dissolved solids (TDS) and the positive removal of 7.80% of pollutant load was found. Although these results are within the established limits, the monitoring mechanisms must be established for an adequate control of the parameters evaluated and thus, there won't be a deterioration of the environment surrounding the lagoon.
