In an environment where the dollar price maintains an upward trend, there are several actors dependent on the financial system that are impacted by the volatility of the greenback.
Nevertheless, Who feels the advance of the dollar more?
The general manager of BillexJavier Pineda, indicates that Are the SMEs that do not access Finance system those that are most likely to be affected by the rise in the price of the dollar. These small organizations having debts in dollars with the so-called lendersacquire commitments at high rates, which is complicated by the increase in the exchange rate.
“They take much higher loans than the traditional financial system would offer; then to pay the installments of these debts in dollars they need to disburse more soles “Explain.
This situation it places small entrepreneurs at a disadvantage, who, faced with a lack of liquidity, end up postponing payments or reducing purchases. “And the day they can’t meet their obligations, they will surely be at risk of bankruptcy,” he adds.
And the sectors?
Pineda maintains that, although it is small companies that are most affected in this type of context, are not left out either business that are linked with the import.
As an example, mention the supplies poultry sectorwhose foods such as corn and the soya they are imported.
The picture is different for those on the other side. Companies with a positive impact are those that make shipments, such as the agro-export o to fishing.
“Those linked to exports are looking for that slope, with a dollar that is rising. Even some clients are waiting for the greenback to reach higher figures to sell in the market”affirms the executive, who does not rule out speculation.
dollar savings
The executive pointed out that along with the companies, the exchange movement carried out by natural persons has not declined either. Nevertheless, the objective of this public is more focused on saving.
“Many of the clients who buy dollars, receive their assets and allocate a part to savings. Other clients sell an asset, a property, a house, a car and exchange the currency to meet their obligations”need.
And Billex, the average ticket of the companies, per operation, is US$ 40 thousand; In people, the average ticket is US$10,000. The clients are executives, businessmen, entrepreneurs, between 35 and 55 years old.