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Loans to mypes grew by 60% during 2021

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The banking recovered in 2021 and reached 421,421 credits granted to mypes for the first time, after it fell in 2020 and reached 264,089.

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In this way a 60% recovery was recorded last year; however, the pre-pandemic figure (506,059) is still not equaled, according to the study “Behavior and impact on the financial life of the Peruvian entrepreneur” carried out by Mibanco.

Regarding access to credit, the balance of loans from microfinance institutions is S/ 54.2 billion.

Financial digitization

One of the positive things that the health emergency brought was the rise of digital channels in all industries, including the financial sector. A) Yes, From 2020 to 2021, the digital operations of the banking system increased by 263%. This included balance inquiries, service payments, transfers and others, as explained by Allyson Nash, Manager of Products and Prices at Mibanco.

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In the case of this entity, it closed 2019 with 72,226 clients affiliated with its mobile application, in 2020 it rose to 306,000 and 2021 closed with 571,427. It is projected for 2022 to reach 700,000 clients, reaching 80% of its total clients.

After the health emergency, the use of digital channels in the financial sector increased. Photo: diffusion

Based on the preference trends of new clients, products aimed at women entrepreneurs who take out their first bank loan emerge. There is also a high demand for loans focused on making sanitary improvements in homes.

Source: Larepublica

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