Resumen

TAMAY CIEZA, Vilmer. Determinants of credit slowness in financial cooperatives: Analysis of risk management practices. Impulso [online]. 2025, vol.5, n.11, pp.275-286.  Epub 02-Jul-2025. ISSN 2959-9040.  https://doi.org/10.59659/impulso.v.5i11.143.

Credit and credit cooperatives play a fundamental role in financial inclusion, but face significant challenges related to credit slowness. The objective is to determine the predictive impact of credit risk management practices on the rate of delay in a Peruvian credit and credit cooperative. The study has a quantitative focus, correlational-explanatory scope, a transversal design was implemented with 34 credit managers, using hierarchical multiple regression analysis to evaluate four dimensions of risk management: credit policies, debt evaluation, recovery mechanisms and portfolio diversification. The results reveal that the regression model was statistically significant and explained 58% of the variation in mortality. It is concluded that effective credit risk management requires an approach centered on operational processes that translate formal documentation to materialize in everyday practices of proactive evaluation and recovery.

Palabras clave : Cooperatives; Credits; Risk management; Slowness; Finance.

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