Evaluación del riesgo crediticio en microfinanzas en contextos de alta informalidad: evidencia del sistema financiero boliviano

This study analyzes credit risk in microfinance institutions operating in high-informality contexts such as Bolivia. Using a descriptive and analytical approach, key indicators including Portfolio at Risk (PAR30), delinquency, provisioning, and profitability (ROA) are evaluated. The findings show that informality increases credit risk exposure, while adaptive methodologies and alternative information can mitigate these risks.