The objective of the research was to identify the determinants of poverty at the household level in Peru in 2020. The research design was descriptive and correlational, with a type of non-experimental research and quantitative approach, and considered the logit econometric model; the sources of information used correspond to the National Household Survey of the National Institute of Statistics and Informatics, from which the variables that are considered determinants of poverty were extracted and managed. It was determined that the size of the household positively influences by 1.3%; the economic income of the head of household negatively influences by 0.000828%; the years of education of the head of household influences by 0.1%; homeownership influences by 0.9%; access to social programs of food and non-food aid influence by 0.9% and 0.6%, respectively; access to drinking water service, hygienic service and electric power service have a negative influence of 1.8%, 0.6% and 1.7%; all these factors are associated with the poverty of households in Peru. Therefore, the social determinants of poverty were household size, economic income, years of education, access to homeownership, access to a social food aid program, access to a social non-food aid program, access to drinking water services, access to hygienic services and access to electric power services.

Objective: This article seeks to determine the social determinants of inequality in economic income in independent workers in the Puno region in the periods 2019 and 2020. Methods: For which the quantitative approach was used, with descriptive and correlational design, considering the multiple regression model. Results: It was determined that there is a very significant income gap by educational level due to the productive differential that coronavirus disease 2019 (COVID-19) affected all the households; there is inequality in the economic income of independent workers, since in 2019, there was a greater inequality of economic income among independent workers (Gini = 0.6142) in relation to the national level (Gini = 0.415) and in 2020, the inequality of economic income increased due to COVID-19 problem, where the Gini coefficient amounted to 0.7136 in relation to the national level (Gini = 0.431). Conclusion: The determining factors of the economic income of the independent worker in the region of Puno in the periods 2019 and 2020 are the age that explains in 5.19 and 1.72%, the level of education that explains in 20.74 and 34.86% and the sex that explains in 37 and 14.19%, respectively.

The issue of financial inclusion considers access to and use of quality financial services by household members and different types of companies around the world, allowing us to reach the opportunities that the globalized world offers us. The objective of this research was to identify the socioeconomic factors that determined the inclusion of households in the financial system in Peru in the period of 2021. A quantitative approach was considered, which was non-experimental with a descriptive and correlational design and in which 81,441 pieces of data were obtained from the National Household Survey (ENAHO) of the National Institute of Statistics and Informatics, applying a logit binomial regression. It was determined that 47.02% of households were included in the financial system; 61.93% of those surveyed had their residence in the urban area; on average, respondents had incomplete secondary education; the age of the respondents on average was from 25 to 44 years; the average economic income of the household was less than $251 per month; 72.18% were represented by men as heads of the household and the rest by women; most of the respondents had a cohabiting marital status; the social conditions showed that 23.82% were in the group of being poor; and the majority of households did not have a property title. The determinants of financial inclusion in Peruvian households for 2021 were the area of residence, educational level, age of the respondent, economic income, gender of the respondent, marital status, social status, and property title.

The objective was to determine the effect of education on the economic income of households in Peru in times of the pandemic (COVID-19), for which a quantitative research approach was applied, of a non-experimental type and of descriptive-correlational design; the econometric model of log-linear type was used, based on the Mincer equation, with the information from the database of the National Household Survey, for the period of 2021. The economic income on average was 275.96 soles, with a standard deviation of 1451.41 soles, with high variability, identifying very precarious economic income ranging from 15.00 to 15,000.00 soles/month per worker; the years of schooling of the worker on average were 12 years, showing the scope of complete secondary training, with a population without years of education, and on the contrary, there are workers with postgraduate education, with the variability of 4 years. Finally, the effect of education measured through years of schooling on economic income is positive, or direct, since education explains 14.34% of economic income; the experience of the worker, gender, area of residence, age and marital status, in the same way, have a positive effect on economic income, strongly highlighting gender and area of residence which explain 19.86% and 30.45% of the economic income in the household in Peru.

In 2021, the expenses paid by households worldwide due to COVID-19 showed an increasing behavior and directly affected economic income since they were part of unforeseen expenses among households and became a factor that contributed to the increase in the levels of poverty mainly in households that were not part of the health system. The objective of this research was to establish the main determinants of out-of-pocket spending on health in Peruvian households in the times of the pandemic. A quantitative approach, of a nonexperimental type, with a descriptive and correlational methodological design was considered. The database of the National Household Survey of the National Institute of Statistics and Informatics for 2021 was used as a source of information, applying the binomial logit econometric model. Out-of-pocket expenses during the pandemic compared to normal periods were shared by the members of the households. Since they were part of unforeseen expenses, these expenses mainly impacted the heads of the households and strongly affected household budgets. For this reason, the type of insurance, the suffering of household members from a disease, the results of tests for COVID-19, the expenditure on individual health, the existence of permanent limitations to any member of the household, the presence of an older adult in the household, and the marital status of the head of the household determined and positively influenced out-of-pocket spending in households in Peru with 36.85, 8.48, 6.50, 0.0065, 23.73, 16.79, and 2.44 percentage units. However, the existence of a drinking water service in the household, educational level, and the area of residence determined and negatively influenced out-of-pocket spending in households in Peru with 4.81, 6.75, and 19.26 percentage units, respectively. The type of insurance, the suffering of an individual from a disease, the results of COVID-19 tests, health spending, the existence of permanent limitations, the presence of an older adult in the household, and the marital status of the head of the household positively determined out-of-pocket spending in households in Peru, while the existence of a potable water service, educational level, and the area of residence determined out-of-pocket expenses in a negative or indirect way.

Objective: The objective was to identify the variables that affect the delinquency rate in banking and microfinance institutions, between the periods 2015 and 2020, for which panel data models were used, considering the information registered in the banking and financial institutions to the level of Peru.Method: The methodological design used is quantitative, not experimental, with a descriptive-correlational design, applying the analysis of the data panel for each financial institution (Multiple Banking, Municipal Savings Banks), to observe the behavior over time for the same individuals.Results: It was determined that the behavior of the delinquency of microfinance institutions is having significant effects on the delinquency of loans, and macroeconomic variables like microeconomic variables do determine delinquency rates such as provisions, efficiency of analysts, financial income, liquidity in national currency, growth rate of Gross Domestic Product, and the level of unemployment, both for banks and for municipal savings and credit banks, explaining the study variables in 84.30% in the banking system and in 48.95% in the financial system with respect to delinquency.Conclusions: Macroeconomic and microeconomic variables are determining factors for the level of delinquency in financial institutions.