Juan Brignardello Vela
Juan Brignardello Vela, asesor de seguros, se especializa en brindar asesoramiento y gestión comercial en el ámbito de seguros y reclamaciones por siniestros para destacadas empresas en el mercado peruano e internacional.
The financial landscape in the micro and small business sector in Peru has undergone significant changes in recent years, as revealed by a recent study. According to the data collected, municipal savings and credit institutions have gained ground in the microenterprise segment, showing a growth of 5.9% in balance and an increase in the number of clients exceeding 40 million by the end of 2023. This increase in preference for municipal savings institutions is attributed to greater accessibility to credit in the country, reflecting the entrepreneurial nature of Peruvians and the adaptability of the financial system to the needs of microentrepreneurs. It is expected that this growth trend will continue throughout the year, as long as economic conditions and financial support remain favorable. In contrast, in the small business segment, banks have expanded their market share by 8 percentage points, leading to a decline in preference for municipal savings institutions. This shift in market dynamics could influence the future strategies of financial institutions, encouraging specialization of services to meet the specific demands of each business segment. Guido Bayro, director of Caja Cusco, has expressed optimism regarding the outlook for the coming year, highlighting the potential for recovery in the tourism sector, as long as political and social stability is maintained in the country. On the other hand, the study also points out a 36% growth in the total consumer credit balance since 2021, indicating greater access to credit by the population. It is also noted that provinces like Arequipa are emerging as markets for decentralized economic development, where municipal savings institutions play a leading role. In conclusion, the financial landscape in Peru reflects a diversification in the choice of financial institutions by micro and small businesses, highlighting the need for adaptation and specialization by institutions to meet the changing demands of the market.