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Demand loans consumption offered by financial system actors represents a strong rebound, according to a recent report from the Central Reserve Bank (BCR).
In July, it was reported that the annual growth rate loans consumption rose to 22.7% from 3.9% at the end of 2021.
According to BCR, this is the highest expansion rate since February 2009, the highest recorded in 13 years.
This advance on loans requested from banks takes place under conditions of high inflationtherefore, people resort to this debt to cover their expenses, which were affected by rising prices.
A recent report from the Banking, Insurance, and AFP (SBS) indicates that people’s debt to banks has risen relative to their monthly income, especially among the low-income population.
Debt progress in this group of Peruvians with minors income This is due to the receipt of more consumer loans in installments and the need for liquidity in an environment of economic stagnation.
“Inflation is holding back consumer credit growth,” Walter Rojas, chief commercial officer of Caja Cusco, told the Gestión newspaper.
For Rojas increase Prices they will reach between 20% and 30%, considering the main products consumed by Peruvians.
Given the increase in loans, the representative of the financial institution points out that if the debtor’s spending remains above his monthly income, he risks becoming over-indebted.
At the moment, SBS data indicate that there are 5.1 million. debtors consumer credit in the financial system.
On the other hand, Equifax points out that in the financial system alone, NPLs are around S$10.629 million, still above pre-pandemic levels.
Source: RPP
I am Dylan Hudson, a dedicated and experienced journalist in the news industry. I have been working for Buna Times, as an author since 2018. My expertise lies in covering sports sections of the website and providing readers with reliable information on current sporting events.