The 11 municipal savings and credit boxes operating in the Peru They reached a total of S/36 million 206,000 in Utilities at the beginning of this 2025. This result implies a strong increase of 190% compared to what was obtained in January 2024 (S/12 million 489,000).
In detail, nine boxes recorded an increase in their Utilitiestwo saw a decrease (Tacna and Paita) compared to the previous year, but none registered losses.
In the opinion of economist Ronald Casana, with this result there is an important recovery of the microfinance sector, since municipal banks are a key indicator of the sector’s behavior.
“This is due to the recovery of the economy From the second half of the year, added to a policy that entities and an important risk management developed in recent times, “said the finance specialist.
Thus, the municipal boxes begin this 2025 with positive results as a whole, waiting to maintain this trend of growth and improvement.
The municipal boxes with more utilities in 2025
According to data from the SBSall municipal boxes showed positive results, led by five entities such as Cusco box that abysmally reported a gain of S/15 million 239,000, follows Arequipa box (+S/6 million 093,000), Huancayo box (+S/3 million 996,000), Trujillo box (+S/3 million 727,000) and Ica box (+S/3 million 300,000)
The results also show an important recovery of Caja Maynas, Caja del Santa and Caja Paita, which left behind the losses registered month by month. Thus, they registered profits for S/13,000, S/17,000 and S/123,000 respectively.
Recall that at the end of 2024, the latter They reported losses for almost S/10 millionwhich is why the SBS had been following the trail, according to economist César Antunez. If these entities continued in losses, the visits of the Superintendencewhich could lead to an eventual intervention, he scored previously.
Casana reaffirms that an important recovery of the recession and the blows that the boxes and the economy have begun to be received.
The delinquency index of the sector, which reveals the breach of payments of the credits on the agreed dates, remains a pending task. In January, there was an increase to 6.22% on average. Caja Ica and Tacna were the only ones to reduce this indicator.
“Hopefully these indicators continue with the trend of improvements as economic indicators and the reduction of inflation and a speedy economic reactivation, product of the rebound, consolidates,” he concluded.
Source: Larepublica
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