This study investigates the determinants of financial development and private sector credits for a panel of 85 developing and industrial countries using annual data from 1980 to 2006. The results from the panel cross-sectional fixed effects procedure suggest that an increase in the public sector credits and central government debt leads to a decrease in private sector credits in low income and lower middle income counties. For this group of countries, public sector credits, albeit leading to a financial crowding out, are found to be enhancing financial development. For the upper middle income and high income countries, private sector credits are found to increase with public sector credits and financial development and decrease with central government debt. Financial development is affected adversely from inflation and positively from real GDP and public sector credits in high income countries. In upper middle income countries both real GDP and credits to public sector affect financial development positively. In low income countries, on the other hand, public sector credits and inflation are correlated positively with financial development.

Para considerar este proyecto se detectó un problema en la recepción de información que obtienen los ciudadanos al momento de realizar indagaciones de créditos. Este sustento se encuentra en un informe del BCRP, “el cual indica que la deuda por habitante se multiplico entre el 2001 y 2017, de este grupo el 12% corresponde a préstamos de consumo que están en morosidad”. Por ello, nace la idea de crear un aplicativo móvil que acompañe y permita a los usuarios realizar consultas y comparaciones sobre préstamos, así mismo, agilizar el trámite de operación de un crédito personal y otras herramientas que mejoren su experiencia. De esta manera, se busca que las personas obtengan un canal de información fiable ayude a tomar una decisión inteligente y encontrar una oportunidad de ahorro. Para el desarrollo del proyecto se realizaron experimentos que permitieron identificar la aceptación para realizar la proyección de venta. Con ello, se consideraron diferentes fuentes de ingreso siendo la principal la comisión por préstamo adquirido, que se realiza a las entidades financieras, además de elaborar la estructura de procesos operativos, marketing, recursos humanos, responsabilidad social y financiero que tengan coherencia con la problemática que se pretende solucionar. Por último, dentro de los análisis cuantitativos para dar inicio al proyecto se necesita una inversión de S./38,593.25 soles para después mostrar una utilidad de S./95, 450.02 durante los cinco primeros años, por lo que se obtiene un valor del proyecto de S./. 101, 625.25 / In order to consider this project, a problem was detected in the reception of information obtained by citizens when making credit inquiries. This support is found in a report by the BCRP, "which indicates that the debt per inhabitant multiplied between 2001 and 2017, of this group 12% corresponds to consumer loans that are in arrears". Therefore, the idea of creating a mobile application that accompanies and allows users to make queries and comparisons on loans, as well as streamline the process of operating a personal credit and other tools that improve your experience. In this way, the aim is for people to obtain a reliable information channel to help them make an intelligent decision and find a savings opportunity. For the development of the project, experiments were carried out to identify acceptance and to be able to make the sales projection. With this, different sources of income were considered, the main one being the commission for the loan acquired, which is made to the financial entities, in addition to elaborating the structure of operative processes, marketing, human resources, social and financial responsibility that are coherent with the problem to be solved. Finally, within the quantitative analyses projected to start the project, an investment of S./ 38, 593.25 soles are needed to later show a profit of S./95,450. 02 during the first three years, so a project value of S./101, 665.25. / Trabajo de investigación