Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL

Ericka Nelly Espinoza-Gamboa; Hugo Eladio Chumpitaz-Caycho; Manuel Alberto Espinoza-Cruz; Ruben Dario Mendoza-Arenas; Marisol Paola Delgado Baltazar

doi:10.18687/LEIRD2025.1.1.768

Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL

Ericka Nelly Espinoza-Gamboa
, Hugo Eladio Chumpitaz-Caycho
, Manuel Alberto Espinoza-Cruz
, Ruben Dario Mendoza-Arenas
, Marisol Paola Delgado Baltazar

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution › peer-review

Original language	English
Title of host publication	Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose
Subtitle of host publication	Social and Technological Innovation in the Age of AI, LEIRD 2025
Editors	Maria M. Larrondo Petrie, Jose Texier, Rodolfo Andr�s Rivas Matta
Publisher	Latin American and Caribbean Consortium of Engineering Institutions
ISBN (Electronic)	9786289661323
DOIs	https://doi.org/10.18687/LEIRD2025.1.1.768
State	Published - 1 Jan 2025
Externally published	Yes
Event	5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025 - Virtual, Colombia Duration: 1 Dec 2025 → 3 Dec 2025

Publication series

Name	Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology
ISSN (Electronic)	2414-6390

Conference

Conference	5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025
Country/Territory	Colombia
City	Virtual
Period	1/12/25 → 3/12/25

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

SDG 1 No Poverty
SDG 5 Gender Equality
SDG 8 Decent Work and Economic Growth

Access to Document

10.18687/LEIRD2025.1.1.768

Cite this

Espinoza-Gamboa, E. N., Chumpitaz-Caycho, H. E., Espinoza-Cruz, M. A., Mendoza-Arenas, R. D., & Delgado Baltazar, M. P. (2025). Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL. In M. M. Larrondo Petrie, J. Texier, & R. A. Rivas Matta (Eds.), Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025 (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology). Latin American and Caribbean Consortium of Engineering Institutions. https://doi.org/10.18687/LEIRD2025.1.1.768

Espinoza-Gamboa, Ericka Nelly ; Chumpitaz-Caycho, Hugo Eladio ; Espinoza-Cruz, Manuel Alberto et al. / Financial management and credit risk : a simple linear regression model for CMAC microfinance institutions listed on the BVL. Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. editor / Maria M. Larrondo Petrie ; Jose Texier ; Rodolfo Andr�s Rivas Matta. Latin American and Caribbean Consortium of Engineering Institutions, 2025. (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology).

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title = "Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL",

keywords = "Financial management, credit, credit risk, delinquency, finance",

author = "Espinoza-Gamboa, \{Ericka Nelly\} and Chumpitaz-Caycho, \{Hugo Eladio\} and Espinoza-Cruz, \{Manuel Alberto\} and Mendoza-Arenas, \{Ruben Dario\} and \{Delgado Baltazar\}, \{Marisol Paola\}",

note = "Publisher Copyright: {\textcopyright} LEIRD 2025.All rights reserved.; 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025 ; Conference date: 01-12-2025 Through 03-12-2025",

year = "2025",

month = jan,

day = "1",

doi = "10.18687/LEIRD2025.1.1.768",

language = "English",

series = "Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology",

publisher = "Latin American and Caribbean Consortium of Engineering Institutions",

editor = "\{Larrondo Petrie\}, \{Maria M.\} and Jose Texier and \{Rivas Matta\}, \{Rodolfo Andr�s\}",

booktitle = "Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose",

}

Espinoza-Gamboa, EN, Chumpitaz-Caycho, HE, Espinoza-Cruz, MA, Mendoza-Arenas, RD & Delgado Baltazar, MP 2025, Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL. in MM Larrondo Petrie, J Texier & RA Rivas Matta (eds), Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology, Latin American and Caribbean Consortium of Engineering Institutions, 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025, Virtual, Colombia, 1/12/25. https://doi.org/10.18687/LEIRD2025.1.1.768

Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL. / Espinoza-Gamboa, Ericka Nelly; Chumpitaz-Caycho, Hugo Eladio; Espinoza-Cruz, Manuel Alberto et al.
Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. ed. / Maria M. Larrondo Petrie; Jose Texier; Rodolfo Andr�s Rivas Matta. Latin American and Caribbean Consortium of Engineering Institutions, 2025. (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology).

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution › peer-review

TY - GEN

T1 - Financial management and credit risk

T2 - 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025

AU - Espinoza-Gamboa, Ericka Nelly

AU - Chumpitaz-Caycho, Hugo Eladio

AU - Espinoza-Cruz, Manuel Alberto

AU - Mendoza-Arenas, Ruben Dario

AU - Delgado Baltazar, Marisol Paola

PY - 2025/1/1

Y1 - 2025/1/1

KW - Financial management

KW - credit

KW - credit risk

KW - delinquency

KW - finance

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U2 - 10.18687/LEIRD2025.1.1.768

DO - 10.18687/LEIRD2025.1.1.768

M3 - Conference contribution

AN - SCOPUS:105032425539

T3 - Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology

BT - Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose

A2 - Larrondo Petrie, Maria M.

A2 - Texier, Jose

A2 - Rivas Matta, Rodolfo Andr�s

PB - Latin American and Caribbean Consortium of Engineering Institutions

Y2 - 1 December 2025 through 3 December 2025

ER -

Espinoza-Gamboa EN, Chumpitaz-Caycho HE, Espinoza-Cruz MA, Mendoza-Arenas RD, Delgado Baltazar MP. Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL. In Larrondo Petrie MM, Texier J, Rivas Matta RA, editors, Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. Latin American and Caribbean Consortium of Engineering Institutions. 2025. (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology). doi: 10.18687/LEIRD2025.1.1.768

Financial management and credit risk: a simple linear regression model for CMAC microfinance institutions listed on the BVL

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UN SDGs

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