Reporte de Cartera
Análisis de calidad, cobertura, composición y tendencias de la cartera de créditos.
Composición
· Junio 2026 vs. Mayo 2026
Composición por agencia
Participación y calidad de cartera.
| Agencia | Saldo | % cartera | Morosidad | Saldo PAR30 | PAR30 agencia | Aporte PAR30 |
|---|---|---|---|---|---|---|
| Chachapoyas | S/ 12,783,086.18 | 50.43% | 10.87% | S/ 1,462,707.16 | 11.44% | 5.77% |
| Pedro Ruiz | S/ 6,788,827.79 | 26.78% | 6.34% | S/ 447,166.40 | 6.59% | 1.76% |
| San Nicolás | S/ 5,775,100.66 | 22.78% | 4.43% | S/ 279,203.08 | 4.83% | 1.10% |
Composición por producto
Participación y calidad de cartera.
| Producto | Saldo | % cartera | Morosidad | PAR30 |
|---|---|---|---|---|
| EMPRESARIAL | S/ 7,676,707.81 | 30.29% | 14.17% | 14.17% |
| Agropecuario | S/ 6,817,945.74 | 26.90% | 5.73% | 5.73% |
| Inclusivo | S/ 4,371,326.97 | 17.25% | 6.09% | 7.92% |
| Vivienda | S/ 2,027,335.30 | 8.00% | 5.30% | 5.30% |
| Personal Directo | S/ 2,016,193.36 | 7.95% | 2.22% | 3.87% |
| EcoVerde | S/ 1,214,175.66 | 4.79% | 1.32% | 1.32% |
| Mujer Chamba | S/ 695,020.36 | 2.74% | 5.72% | 5.72% |
| Emprende | S/ 195,857.04 | 0.77% | 0.00% | 0.00% |
| AGUAZONAS | S/ 195,775.89 | 0.77% | 0.48% | 0.48% |
| Sobre Ruedas | S/ 122,378.28 | 0.48% | 100.00% | 100.00% |
| EcoNegocio | S/ 14,298.22 | 0.06% | 0.00% | 0.00% |
Tipo de crédito
Distribución conforme al Anexo 6.
| Tipo | Créditos | Saldo | % cartera |
|---|---|---|---|
| 09 | 450 | S/ 9,613,943.78 | 37.93% |
| 12 | 2,338 | S/ 8,610,631.52 | 33.97% |
| 10 | 1,700 | S/ 6,893,930.55 | 27.20% |
| 08 | 1 | S/ 228,508.78 | 0.90% |
Moneda del crédito
Saldo y participación por moneda informada.
| Moneda | Créditos | Saldo | % cartera |
|---|---|---|---|
| 01 | 4,489 | S/ 25,347,014.63 | 100.00% |
Principales deudores
Concentración de los 20 socios con mayor saldo.
| # | Código | Socio | Operaciones | Saldo | % cartera | Cartera atrasada |
|---|---|---|---|---|---|---|
| 1 | 5570010001488 | HUAMAN SALAZAR AMPARO | 2 | S/ 387,093.52 | 1.53% | S/ 0.00 |
| 2 | 5570010019191 | COOPERATIVA AGRARIA CAFETALERA LAGUNA DE LOS CÓNDORES | 1 | S/ 228,508.78 | 0.90% | S/ 0.00 |
| 3 | 5570010012797 | REYNA HIDALGO SYLVIA JANETT | 3 | S/ 145,913.79 | 0.58% | S/ 0.00 |
| 4 | 5570010001767 | DIAZ PUERTA LUSCI | 1 | S/ 120,000.00 | 0.47% | S/ 0.00 |
| 5 | 5570010002680 | FIGUEROA SERVAN MARTIN | 1 | S/ 120,000.00 | 0.47% | S/ 0.00 |
| 6 | 5570010003322 | ALVARADO SANTILLAN ANGEL RAMIRO | 1 | S/ 118,795.51 | 0.47% | S/ 0.00 |
| 7 | 5570010001497 | DIAZ BARDALES MANUEL JESUS | 2 | S/ 111,822.67 | 0.44% | S/ 0.00 |
| 8 | 5570010020284 | CHUQUIZUTA VALDIVIA RAMIRO | 1 | S/ 111,607.04 | 0.44% | S/ 0.00 |
| 9 | 5570010010873 | MAITA OYARCE IRMA | 1 | S/ 104,276.07 | 0.41% | S/ 0.00 |
| 10 | 5570010011647 | QUIROS CHIQUIN ASUNTA | 1 | S/ 99,216.21 | 0.39% | S/ 0.00 |
| 11 | 5570010012963 | VEGA GIL LUCELY | 2 | S/ 93,443.66 | 0.37% | S/ 0.00 |
| 12 | 5570010012456 | MILLENNIUM COMPANY SAC | 1 | S/ 92,053.54 | 0.36% | S/ 0.00 |
| 13 | 5570010001487 | BORDA BURGA DAVID ATILA | 2 | S/ 89,692.65 | 0.35% | S/ 0.00 |
| 14 | 5570010000207 | DELGADO CULQUI EDINSON | 1 | S/ 87,500.00 | 0.35% | S/ 87,500.00 |
| 15 | 5570010002483 | REYES DIAZ ROGER | 1 | S/ 87,047.20 | 0.34% | S/ 87,047.20 |
| 16 | 5570010002542 | VILCA SANTILLAN LICET | 1 | S/ 85,281.52 | 0.34% | S/ 85,281.52 |
| 17 | 5570010021333 | RUIZ TORRES NORVIN | 1 | S/ 80,063.67 | 0.32% | S/ 0.00 |
| 18 | 5570010018167 | BORDA BURGA MOISES | 3 | S/ 79,532.21 | 0.31% | S/ 0.00 |
| 19 | 5570010021072 | INVERSIONES COSELVI EIRL | 1 | S/ 77,089.91 | 0.30% | S/ 0.00 |
| 20 | 5570030017302 | CALAMPA LABAJOS EDGAR | 1 | S/ 75,000.00 | 0.30% | S/ 0.00 |