{"id":"https://openalex.org/W3202592011","doi":"https://doi.org/10.26495/tzh.v13i1.1873","title":"GESTI\u00d3N DE RIESGO CREDITICIO PARA AFRONTAR LA MOROSIDAD BANCARIA","display_name":"GESTI\u00d3N DE RIESGO CREDITICIO PARA AFRONTAR LA MOROSIDAD BANCARIA","publication_year":2021,"publication_date":"2021-07-02","ids":{"openalex":"https://openalex.org/W3202592011","doi":"https://doi.org/10.26495/tzh.v13i1.1873","mag":"3202592011"},"language":"es","primary_location":{"id":"doi:10.26495/tzh.v13i1.1873","doi":"https://doi.org/10.26495/tzh.v13i1.1873","is_oa":true,"landing_page_url":"https://doi.org/10.26495/tzh.v13i1.1873","pdf_url":null,"source":{"id":"https://openalex.org/S4210217297","display_name":"TZHOECOEN","issn_l":"1997-3985","issn":["1997-3985","1997-8731"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","erih-plus","latindex"],"host_organization":"https://openalex.org/I4210166723","host_organization_name":"Universidad Se\u00f1or de Sip\u00e1n","host_organization_lineage":["https://openalex.org/I4210166723"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"TZHOECOEN","raw_type":"journal-article"},"parent_works":[],"lineage":["https://openalex.org/W3202592011"],"child_works_count":0,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.26495/tzh.v13i1.1873","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5057510050","display_name":"Maisu Malena Rivera Oblitas","orcid":"https://orcid.org/0000-0001-6645-3588","observed_orcids":["https://orcid.org/0000-0001-6645-3588"]},"institutions":[{"id":"https://openalex.org/I4210166723","display_name":"Universidad Se\u00f1or de Sip\u00e1n","ror":"https://ror.org/05p4rzq96","country_code":"PE","type":"education","lineage":["https://openalex.org/I4210166723"]}],"countries":["PE"],"is_corresponding":false,"raw_author_name":"Maisu Malena Rivera Oblitas","raw_affiliation_strings":["Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa"],"raw_orcid":"https://orcid.org/0000-0001-6645-3588","affiliations":[{"raw_affiliation_string":"Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa","institution_ids":["https://openalex.org/I4210166723"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5056777157","display_name":"Erlita Toro Ramirez","orcid":"https://orcid.org/0000-0002-6378-8777","observed_orcids":["https://orcid.org/0000-0002-6378-8777"]},"institutions":[{"id":"https://openalex.org/I4210166723","display_name":"Universidad Se\u00f1or de Sip\u00e1n","ror":"https://ror.org/05p4rzq96","country_code":"PE","type":"education","lineage":["https://openalex.org/I4210166723"]}],"countries":["PE"],"is_corresponding":false,"raw_author_name":"Erlita Toro Ramirez","raw_affiliation_strings":["Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa"],"raw_orcid":"https://orcid.org/0000-0002-6378-8777","affiliations":[{"raw_affiliation_string":"Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa","institution_ids":["https://openalex.org/I4210166723"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5039442007","display_name":"Wilmer Enrique Vidaurre Garc\u00eda","orcid":"https://orcid.org/0000-0002-5002-572X","observed_orcids":["https://orcid.org/0000-0002-5002-572X"]},"institutions":[{"id":"https://openalex.org/I4210166723","display_name":"Universidad Se\u00f1or de Sip\u00e1n","ror":"https://ror.org/05p4rzq96","country_code":"PE","type":"education","lineage":["https://openalex.org/I4210166723"]}],"countries":["PE"],"is_corresponding":false,"raw_author_name":"Wilmer Enrique Vidaurre Garc\u00eda","raw_affiliation_strings":["Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa"],"raw_orcid":"https://orcid.org/0000-0002-5002-572X","affiliations":[{"raw_affiliation_string":"Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa","institution_ids":["https://openalex.org/I4210166723"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5013835097","display_name":"Max Fernando Urbina C\u00e1rdenas","orcid":"https://orcid.org/0000-0002-0474-5590","observed_orcids":["https://orcid.org/0000-0002-0474-5590"]},"institutions":[{"id":"https://openalex.org/I4210166723","display_name":"Universidad Se\u00f1or de Sip\u00e1n","ror":"https://ror.org/05p4rzq96","country_code":"PE","type":"education","lineage":["https://openalex.org/I4210166723"]}],"countries":["PE"],"is_corresponding":false,"raw_author_name":"Max Fernando Urbina C\u00e1rdenas","raw_affiliation_strings":["Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa"],"raw_orcid":"https://orcid.org/0000-0002-0474-5590","affiliations":[{"raw_affiliation_string":"Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa","institution_ids":["https://openalex.org/I4210166723"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5019081763","display_name":"Edgard Chapo\u00f1an Ram\u00edrez","orcid":"https://orcid.org/0000-0001-7098-5755","observed_orcids":["https://orcid.org/0000-0001-7098-5755"]},"institutions":[{"id":"https://openalex.org/I4210166723","display_name":"Universidad Se\u00f1or de Sip\u00e1n","ror":"https://ror.org/05p4rzq96","country_code":"PE","type":"education","lineage":["https://openalex.org/I4210166723"]}],"countries":["PE"],"is_corresponding":false,"raw_author_name":"Edgard Chapo\u00f1an Ram\u00edrez","raw_affiliation_strings":["Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa"],"raw_orcid":"https://orcid.org/0000-0001-7098-5755","affiliations":[{"raw_affiliation_string":"Universidad Se\u00f1or de Sip\u00e1n, Pimentel \u2013 Chiclayo \u2013 Per\u00fa","institution_ids":["https://openalex.org/I4210166723"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210166723"],"apc_list":null,"apc_paid":null,"fwci":2.1011,"has_fulltext":false,"cited_by_count":8,"citation_normalized_percentile":{"value":0.86781377,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":97},"biblio":{"volume":"13","issue":"1","first_page":"70","last_page":"78"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.7226999998092651,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.7226999998092651,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.23160000145435333,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12544","display_name":"Working Capital and Financial Performance","score":0.012500000186264515,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-risk-management","display_name":"credit risk management","score":1.0},{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.7910000085830688},{"id":"https://openalex.org/keywords/rural-savings-and-credit-cooperatives","display_name":"rural savings and credit cooperatives","score":0.7879999876022339},{"id":"https://openalex.org/keywords/loan-delinquency","display_name":"loan delinquency","score":0.6079999804496765},{"id":"https://openalex.org/keywords/accounts-receivable","display_name":"accounts receivable","score":0.7599999904632568},{"id":"https://openalex.org/keywords/covid-19-pandemic-impact","display_name":"COVID-19 pandemic impact","score":0.8569999933242798},{"id":"https://openalex.org/keywords/financial-statement-analysis","display_name":"financial statement analysis","score":0.7250000238418579},{"id":"https://openalex.org/keywords/chiclayo","display_name":"Chiclayo","score":0.781000018119812}],"concepts":[{"id":"https://openalex.org/C15708023","wikidata":"https://www.wikidata.org/wiki/Q80083","display_name":"Humanities","level":1,"score":0.752752423286438},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.4742395281791687},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.28639841079711914}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.26495/tzh.v13i1.1873","doi":"https://doi.org/10.26495/tzh.v13i1.1873","is_oa":true,"landing_page_url":"https://doi.org/10.26495/tzh.v13i1.1873","pdf_url":null,"source":{"id":"https://openalex.org/S4210217297","display_name":"TZHOECOEN","issn_l":"1997-3985","issn":["1997-3985","1997-8731"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","erih-plus","latindex"],"host_organization":"https://openalex.org/I4210166723","host_organization_name":"Universidad Se\u00f1or de Sip\u00e1n","host_organization_lineage":["https://openalex.org/I4210166723"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"TZHOECOEN","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:f543f5a3d6ba42a3987321bd98c8bfd5","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/f543f5a3d6ba42a3987321bd98c8bfd5","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Tzhoecoen, Vol 13, Iss 1 (2021)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.26495/tzh.v13i1.1873","doi":"https://doi.org/10.26495/tzh.v13i1.1873","is_oa":true,"landing_page_url":"https://doi.org/10.26495/tzh.v13i1.1873","pdf_url":null,"source":{"id":"https://openalex.org/S4210217297","display_name":"TZHOECOEN","issn_l":"1997-3985","issn":["1997-3985","1997-8731"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","erih-plus","latindex"],"host_organization":"https://openalex.org/I4210166723","host_organization_name":"Universidad Se\u00f1or de Sip\u00e1n","host_organization_lineage":["https://openalex.org/I4210166723"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"TZHOECOEN","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W6991331386","https://openalex.org/W7056730528","https://openalex.org/W3160604003","https://openalex.org/W6982005829","https://openalex.org/W2947614570","https://openalex.org/W7030286381","https://openalex.org/W6996399045","https://openalex.org/W4367852092","https://openalex.org/W7066090670","https://openalex.org/W3016071745"],"abstract_inverted_index":{"El":[0],"prop\u00f3sito":[1],"principal":[2],"de":[3,9,11,20,24,54,70,95,102,123,138],"la":[4,18,124,136],"investigaci\u00f3n":[5,33],"fue":[6],"presentar":[7],"estrategias":[8],"gesti\u00f3n":[10,84,137],"riesgo":[12,86,139],"crediticio":[13],"que":[14,75,80,115,132],"apoyen":[15],"en":[16,31,100],"disminuir":[17],"morosidad":[19],"una":[21,32,82],"Caja":[22],"Rural":[23],"Ahorro":[25],"y":[26,41,47,65,106,117],"Cr\u00e9dito,":[27],"Chiclayo.":[28],"Se":[29,130],"enmarca":[30],"propositiva,":[34],"con":[35,68,120],"dise\u00f1o":[36],"no":[37],"experimental.":[38],"Como":[39],"poblaci\u00f3n":[40],"muestra":[42],"se":[43,56],"consideraron":[44],"documentos":[45],"contables":[46],"colaboradores,":[48],"como":[49],"instrumentos":[50],"para":[51],"el":[52,58,121,127],"recojo":[53],"informaci\u00f3n":[55],"utiliz\u00f3":[57],"an\u00e1lisis":[59],"documental":[60],"a":[61],"los":[62,93,103],"estados":[63],"financieros":[64],"un":[66,109],"cuestionario":[67],"escalamiento":[69],"Likert.":[71],"Los":[72],"resultados":[73],"muestran":[74],"es":[76,91,133],"necesario":[77],"establecer":[78],"acciones":[79],"permitan":[81],"mejor":[83],"del":[85],"crediticio,":[87],"adem\u00e1s":[88],"si":[89],"bien":[90],"cierto":[92],"niveles":[94],"las":[96],"cuentas":[97],"por":[98,126],"cobrar":[99],"comparaci\u00f3n":[101],"a\u00f1os":[104],"2018":[105],"2017":[107],"arrojan":[108],"saldo":[110],"positivo,":[111],"todav\u00eda":[112],"hay":[113],"mucho":[114],"hacer,":[116],"m\u00e1s":[118],"a\u00fan":[119],"impacto":[122],"pandemia":[125],"Covid":[128],"19.":[129],"concluye":[131],"impostergable":[134],"optimizar":[135],"crediticio.":[140]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":4}],"updated_date":"2026-11-14T11:04:58.165337","created_date":"2021-10-11T00:00:00"}