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/impacto_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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