Credit scoring una herramienta para minimizar el riesgo de crédito de las instituciones microfinancieras-Perú

Objective: Develop a Credit Scoring model for the microcredit portfolio microcredits from a Municipal Banks in the city of Piura. Method: Binary Logistic Regression was applied as a technique to set out a model whose response or dependent variable is a discrete dichotomous variable. Results: The treatment of the database of the microcredit portfolio of the Municipal Banks of the city of Piura, using the binary logistic regression module of the SPSS software version 24, was obtained as a result the probability of default. Conclusions: it achieved a statistical rating model capable to correctly predict the 96.7% of the credits of portfolio of the municipal bank.Objetivo: Plantear un modelo de Credit Scoring para la cartera de microcréditos de una Caja Municipal de la ciudad de Piura. Método: Se aplicó la Regresión Logística Binaria como técnica para plantear un modelo cuya variable respuesta o dependiente es una variable discreta dicotómica. Resultados: El tratamiento de la base de datos de la cartera de microcréditos de la Caja Municipal de la ciudad de Piura, mediante el módulo de regresión logística binaria del Software SPSS versión 24, se obtuvo como resultado la probabilidad de default. Conclusiones: Se logra obtener un modelo de calificación estadística capaz de predecir correctamente el 96,7% de los créditos de la cartera de la Caja Municipal

World scientific production on education and COVID 19: a bibliometric analysis

The objective of this study is to characterize the world scientific production on education and COVID-19 between the months of January 2020 to September 2021. A bibliometric study was carried out in five databases (Scopus, Web of Science, Google Academic, Microsoft Academic and Crossref) from which a universe of 5005 articles was extracted. The bibliometric indicators were analyzed with the help of the Publish or Perish v. 7.19 and the same analytical software of the chosen databases. Regarding the most cited article published in the analyzed databases, the one entitled "Medical Student Education in the Time of COVID-19" stands out, which received 419 citations in the Scopus database, 368 in Web of Science, 442 in Crossref, 870 in Google Scholar and 702 in Microsoft Academic. Regarding the authors with the highest scientific production on the subject, Maria Assuncao Flores stands out with 5 publications on the Web of Science and Francisco José García-Peñalvo with 5 articles indexed in the Scopus database. Regarding the journals with the highest number of articles on education and COVID-19, Sustainability stands out. These results show that the scientific production referring to education and Covid-19 confirms the radical change generated in education at all levels by the pandemic and the increase in scientific production to try to explore and describe the changing situation resulting from the pandemic in education. Regarding the journals with the highest number of articles on education and COVID-19, Sustainability stands out. These results show that the scientific production referring to education and COVID-19 confirms the radical change generated in education at all levels by the pandemic and the increase in scientific production to try to explore and describe the changing situation resulting from the pandemic in education. Regarding the journals with the highest number of articles on education and COVID-19, Sustainability stands out. These results show that the scientific production referring to education and Covid-19 confirms the radical change generated in education at all levels by the pandemic and the increase in scientific production to try to explore and describe the changing situation resulting from the pandemic in education.Campus Arequip