Of the S/57,863 million placed in credits with guarantee state of the Reactiva Peru 1 program launched in the pandemic, 79.09% of the loans granted to companies have already been paid, according to information from the Superintendency of Banking, Insurance and AFP (SBS) with a cut-off of May 31 of the present anus.
According to the report, the balance of the Reactiva Peru credits is S/12,098 million, since S/45,765 million of what was placed in said program has already been paid.
However, by number of companies, only 22.77% of businesses have settled the loan which is endorsed by the state.
And it is that, of the 501,298 companies that received said credit, 387,164 businesses still have an outstanding debt. While 114,134 have already completed their payments.
In detail, there are 215,542 microenterprises that have not yet settled their debt, while 139,804 debtors belong to small businesses. Meanwhile, 30,407 are medium-sized businesses and 1,435 large companies owe a balance of credits from the Reactiva program.
Arturo GarcÃa, professor of Finance at ESAN Graduate School of Business, indicated that it is an important payment that has already been made and this means that the cost that the State will assume -for the unpaid loans- would be much less than what was estimated. at the time.
In 2023. Low GDP growth and rising inflation would lead to an increase in poverty. Photo: diffusion
“It had been foreseen that the State was going to assume between 15% to 20% of the delinquent portfolio, that is to say, he had to honor for it, but the cost of the program in terms of what the State will be less. It has been paying better than thought, “said the teacher.
New Reactive
After the next relaunch of Reactiva with interest rates of less than 10% announced by the Government, the professor commented that it will be a good measure to reactivate the economy.
He noted that a rate of less than 10% is much lower than 38% and 23% that is charged on average to the mype and medium company.
Source: Larepublica
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