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In Peru, about 14.9 million adults, corresponding to 59.4% of the adult population, do not have credit experience with regulated entities, according to research by Experian.
The figure means that almost six out of 10 Peruvians have never applied for a loan or a loan. credit card in a bank or municipal box.
According to Experian, this estimate includes the population over 18 years of age with current loans at regulated financial institutions in the last 12 months prior to the start of the study.
In some cases, this may mean that they have not quite applied for loan earlier, but these people usually do not resort to formal companies to borrow money.
It should be remembered that the latest Credicorp Financial Inclusion Index (IIF) showed that 7 out of 10 Peruvians do not have credit products in a formal institution.
An issue affecting access to credit is the restoration of conditions Jobwhat happened mostly on the informal side.
Now, given that different economic actions Due to recent conflicts, the number of Peruvians accessing credit could further decline.
However, in 2022, the number of Peruvians accessing loans did increase by 7% compared to the previous year, although this growth is half of what was recorded between 2019 and 2020.
Similarly, until the middle of last year, 134,000 people entered Financial system, that is, they were new subjects of lending in regulated organizations. This number was higher than in the last two years.
Source: RPP
I’m Liza Grey, an experienced news writer and author at the Buna Times. I specialize in writing about economic issues, with a focus on uncovering stories that have a positive impact on society. With over seven years of experience in the news industry, I am highly knowledgeable about current events and the ways in which they affect our daily lives.