Análisis del impacto de la pandemia COVID-19 en los usuarios de los préstamos fiduciarios en Tegucigalpa
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Date
2025-06-07
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Universidad Tecnológica Centroamericana UNITEC
Abstract
Este documento es un estudio que tiene como propósito el análisis del impacto de la pandemia COVID-19 en los usuarios de los prestamos fiduciarios en Tegucigalpa, departamento de Francisco Morazán, a raíz de la pandemia COVID-19 que surgió a finales del 2019, declarando la secretaria de salud de honduras el primer caso en marzo del año 2020, dado en la ciudad de Tegucigalpa. Los países han aprendido a manejar la crisis económica, aunque a veces han surgido discrepancias políticas sobre cómo equilibrar la necesidad de controlar la propagación del virus con las pérdidas económicas causadas por los confinamientos. El sector bancario adoptó rápidamente medidas de alivio de deuda. para garantizar la liquidez en los préstamos. En Tegucigalpa, los usuarios de préstamos fiduciarios han enfrentado desafíos significativos para cumplir con sus obligaciones financieras, se reconocieron las disposiciones presentadas por el ente regulador del sector financiero, La Comisión Nacional de Banca y Seguros, las medidas de alivio de deuda , iniciativa que se dio a raíz de la crisis suscitada en Honduras, la pandemia COVID-19 las que fueron aplicadas por el sistema bancario, con el fin de recuperar los saldos vencidos de los prestamos fiduciarios durante y posterior a la pandemia COVID-19. Se realizaron análisis cuantitativo y cualitativo de datos financieros, encuestas a usuarios de préstamos y entrevistas con instituciones financieras. Entre los hallazgos que se ha encontraron fueron; un aumento en la morosidad de préstamos debido a la reducción de ingresos de los prestatarios, Implementación de políticas de diferimiento de pagos, reducción de tasas de interés y refinanciamiento de deudas, necesidad de asesoramiento financiero personalizado para usuarios en riesgo de incumplimiento. La metodología de investigación aplicada en la investigación que versa sobre el contexto, tipo de investigación, enfoque, diseño, y muestreo en los 390 encuestados, detallando el procedimiento realizado en la investigación. Se presentan los resultados obtenidos del instrumento de investigación, así como su correspondiente gráficos e interpretación, de acuerdo con los resultados obtenidos, el desempleo fue una de las principales causas para poder cumplir con las obligaciones financieras, a raíz de la pandemia Covid-19. Una de las conclusiones más importantes es que a pesar de que la crisis financiera afectó a los hogares y provocó una disminución en sus ingresos, las medidas tomadas por el organismo regulador tuvieron un resultado positivo. Se realiza una aplicabilidad para la investigación el cual reflejó que los usuarios necesitan más programas de educación financiera para prepararse para futuras crisis, fomentando a los usuarios a obtener una reserva de capital para ellos poder cubrir con sus pagos y así no aumenten sus intereses.
This document is a study that aims to analyze the impact of the COVID-19 pandemic on users of trust loans in Tegucigalpa, department of Francisco Morazán, as a result of the COVID-19 pandemic that emerged at the end of 2019, stating The Honduran Secretary of Health reported the first case in March 2020, in the city of Tegucigalpa. Countries have learned to manage the economic crisis, although political disagreements have sometimes emerged over how to balance the need to control the spread of the virus with the economic losses caused by lockdowns. The banking sector quickly adopted debt relief measures. to guarantee liquidity in loans. In Tegucigalpa, users of trust loans have faced significant challenges to meet their financial obligations, the provisions presented by the financial sector regulator, the National Banking and Insurance Commission, were recognized, the debt relief measures, an initiative that was As a result of the crisis that arose in Honduras, the COVID-19 pandemic, those that were applied by the banking system, in order to recover the overdue balances of trust loans during and after the COVID-19 pandemic. Quantitative and qualitative analysis of financial data, surveys of loan users and interviews with financial institutions were carried out. Among the findings that were found were; an increase in loan delinquencies due to the reduction in borrowers' income, Implementation of payment deferral policies, reduction of interest rates and debt refinancing, need for personalized financial advice for users at risk of default. The research methodology applied in the research that deals with the context, type of research, approach, design, and sampling in the 390 respondents, detailing the procedure carried out in the research. Quantitative and qualitative analysis of financial data, surveys of loan users and interviews with financial institutions were carried out. Among the findings that were found were; an increase in loan delinquencies due to the reduction in borrowers' income, Implementation of payment deferral policies, reduction of interest rates and debt refinancing, need for personalized financial advice for users at risk of default. The research methodology applied in the research that deals with the context, type of research, approach, design, and sampling in the 390 respondents, detailing the procedure carried out in the research. The results obtained from the research instrument are presented, as well as their corresponding graphs and interpretation. According to the results obtained, unemployment was one of the main causes of being able to comply with financial obligations, as a result of the Covid-19 pandemic. One of the most important conclusions is that although the financial crisis affected households and caused a decrease in their income, the measures taken by the regulatory body had a positive result. An applicability for the research is carried out which reflected that users need more financial education programs to prepare for future crises, encouraging users to obtain a capital reserve so they can cover their payments and thus do not increase their interests.
This document is a study that aims to analyze the impact of the COVID-19 pandemic on users of trust loans in Tegucigalpa, department of Francisco Morazán, as a result of the COVID-19 pandemic that emerged at the end of 2019, stating The Honduran Secretary of Health reported the first case in March 2020, in the city of Tegucigalpa. Countries have learned to manage the economic crisis, although political disagreements have sometimes emerged over how to balance the need to control the spread of the virus with the economic losses caused by lockdowns. The banking sector quickly adopted debt relief measures. to guarantee liquidity in loans. In Tegucigalpa, users of trust loans have faced significant challenges to meet their financial obligations, the provisions presented by the financial sector regulator, the National Banking and Insurance Commission, were recognized, the debt relief measures, an initiative that was As a result of the crisis that arose in Honduras, the COVID-19 pandemic, those that were applied by the banking system, in order to recover the overdue balances of trust loans during and after the COVID-19 pandemic. Quantitative and qualitative analysis of financial data, surveys of loan users and interviews with financial institutions were carried out. Among the findings that were found were; an increase in loan delinquencies due to the reduction in borrowers' income, Implementation of payment deferral policies, reduction of interest rates and debt refinancing, need for personalized financial advice for users at risk of default. The research methodology applied in the research that deals with the context, type of research, approach, design, and sampling in the 390 respondents, detailing the procedure carried out in the research. Quantitative and qualitative analysis of financial data, surveys of loan users and interviews with financial institutions were carried out. Among the findings that were found were; an increase in loan delinquencies due to the reduction in borrowers' income, Implementation of payment deferral policies, reduction of interest rates and debt refinancing, need for personalized financial advice for users at risk of default. The research methodology applied in the research that deals with the context, type of research, approach, design, and sampling in the 390 respondents, detailing the procedure carried out in the research. The results obtained from the research instrument are presented, as well as their corresponding graphs and interpretation. According to the results obtained, unemployment was one of the main causes of being able to comply with financial obligations, as a result of the Covid-19 pandemic. One of the most important conclusions is that although the financial crisis affected households and caused a decrease in their income, the measures taken by the regulatory body had a positive result. An applicability for the research is carried out which reflected that users need more financial education programs to prepare for future crises, encouraging users to obtain a capital reserve so they can cover their payments and thus do not increase their interests.
Keywords
COVID-19, Prestamos Fiduciarios, Usuarios de Prestamos