The Peruvian Federation of Municipal Savings and Credit Boxes (FEPCMAC) warned that “the overflowing crime” in the country has seriously hitting microfinance constituted by municipal boxes and rural, financial and development entities of the small and Microenterprise (EDPYMES).
The head of the guild, Jorge Solís, denounced that cases of extortion and threats directed not only to the shopsbut also to its analysts of creditespecially in the peripheral areas of the capital, with more incidence in Lima Norte.
“San Martín is a district where criminal gangs and informal parallel bank They control the financial market. (…) We have reached unsuspected moments in which criminals They handle a territoriality control. The Government has the greatest responsibility, ”he accused.
The boxes are the financial arm of microenterprises.
For example, he said that the ‘drop by drop’ loan, which is a way of exercising illegal financial services, moves S/4,000 million in the market, which is equivalent to two entities or a large institution of the microfinance system. ” If that is added to the other loans of financial services, Participation reaches S/8,000 million, very close to the assets and placations of Mibanco.
Credits in Boxes and Financial Fall
Solís, as a spokesperson for the affected microfinance, indicated that the growth of the economy of 3.2% in 2024 is purely conjunctural attributed to the FISHING AND RETATIS SECTOR AFP, which fed the consumption.
The leader points out that this factor and the participation of informal credit houses and the ‘drop by drop’ have promoted the decrease of the credits, in addition to being borrowing of customers.
Proof of this is that, in 2023, the total balance of the placements in the microfinance system (credits that are granted to people and small businesses) was 68,000 million. However, in 2024, with data until November, the balance reached S/64,000 million, that is, A setback of -2.1%.
“Who are they taking that market? The black, illegal and informal banking. Policies must be given to leverage the microfinance system, ”he established.
Another consequence of criminality is the increase in operating expenses that the boxes and financial ones must allocate, which in the end will be transferred to the costs of the credits that users request.
“We are redoubled our surveillance of agencies, people go with money, but also the advisors of the boxes They are going to look for the client in the field, because 80% of them are informal, ”he said.
Companies that have the greatest liquidity, which excludes Mypes, have invested S/6,000 million in security.
Jorge Solís told the Republic that the rate of Money 2% has increased in 2024, which implies “a lower payment capacity; That is, many businesses cannot honor their debts. ”
According to the Bodegueros Association, 2,600 stores for extortion were closed in 2024. “People prefer to close businesses not to pay a quota,” he concluded.
Municipal boxes maintain solvency
Retrieved by this newspaper, the president of the FEPCMAC said that the municipal box system is solid and solvent, because the Patrimonial indexkey indicator to evaluate its stability, it is above 14%.
“There are two boxes that are in a patrimonial strengthening program that have state actions. The two are in blue, ”he said.
On the other hand, he caught the attention to the Superintendence of Banking and Insurance (SBS) because, in his opinion, it could be more drastic with the pawns. “The SBS that does not correspond to them because they do not capture savings of the pubic. That is blinding to a reality, ”he said.
Source: Larepublica
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