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Carlos Daniel Gonzales Hidalgo

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Open access Jul 2026

Non-performing loans and profitability in municipal savings and credit banks: Monthly panel evidence for 2024

This study examines the relationship between non-performing loans (NPL) and profitability in Peruvian municipal savings and credit banks (cajas municipales de ahorro y crédito [CMAC]) using monthly supervisory panel data for 2024. Grounded in the credit-risk and microfinance literature, we construct a balanced panel of...

Carlos Daniel Gonzales Hidalgo, María Rosa Cruzado Puente · 0 citations

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