<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2477-9075</journal-id>
<journal-title><![CDATA[Revista Economía y Política]]></journal-title>
<abbrev-journal-title><![CDATA[Revista Economía y Política]]></abbrev-journal-title>
<issn>2477-9075</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Cuenca]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2477-90752026000100022</article-id>
<article-id pub-id-type="doi">10.25097/rep.n43.2026.02</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Determinants of Credit Risk in Multiple Banking Institutions in Bolivia: A Systematic Review Using Prisma]]></article-title>
<article-title xml:lang=""><![CDATA[Determinantes del Riesgo Crediticio en Bancos Múltiples de Bolivia: Una Revisión Sistemática Según Prisma]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Villegas Mendoza]]></surname>
<given-names><![CDATA[José Ramiro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Barrios Aguirre]]></surname>
<given-names><![CDATA[Fernando]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad San Francisco Xavier - USFX  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Bolivia</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Fundación Universitaria Konrad Lorenz Escuela de Negocios ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2026</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2026</year>
</pub-date>
<numero>43</numero>
<fpage>22</fpage>
<lpage>48</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_arttext&amp;pid=S2477-90752026000100022&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_abstract&amp;pid=S2477-90752026000100022&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_pdf&amp;pid=S2477-90752026000100022&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Risk management, with a particular focus on credit risk, is a fundamental element within the core activities of the financial system. Conducting an in-depth analysis of this aspect is essential for proper administration and informed decision-making. The present study aims to analyze the determinants factors of credit risk in Bolivia&#8217;s multiple banking institutions through a documentary research approach based on the PRISMA methodology. The eligibility criteria included scientific articles published between 2014 and 2024 in the Scopus and Web of Science databases. A total of 4,231 studies were analyzed, resulting in 83 articles selected for review. This research serves as a foundation for future studies on the subject and contributes to improving risk management practices and guiding decisions regarding the expansion of credit portfolios, with the ultimate goal of enhancing the stability of the financial system.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La gestión de riesgos, con un enfoque particular en el riesgo crediticio, es un elemento fundamental dentro de las actividades propias del sistema financiero. Su análisis a profundidad es importante para una correcta administración y toma de decisiones. El presente trabajo tiene como objetivo analizar los factores determinantes del riesgo crediticio en los bancos Múltiples de Bolivia, por medio de un estudio documental utilizando la metodología PRISMA. Los criterios de elegibilidad fueron artículos científicos publicados durante el periodo 2014 y 2024 en las bases de datos Scopus, Web of Science. Se analizaron 4.231 estudios y cuyos resultados obtenidos muestran 83 artículos para su revisión. El trabajo, sirve de base para futuras investigaciones sobre el tema, de igual manera contribuye a una adecuada gestión del riesgo y tomar decisiones sobre la expansión de la cartera de créditos, con el fin de mejorar la estabilidad del sistema financiero.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[credit risk]]></kwd>
<kwd lng="en"><![CDATA[risk management]]></kwd>
<kwd lng="en"><![CDATA[financial system]]></kwd>
<kwd lng="en"><![CDATA[profitability]]></kwd>
<kwd lng="es"><![CDATA[riesgo crediticio]]></kwd>
<kwd lng="es"><![CDATA[gestión de riego]]></kwd>
<kwd lng="es"><![CDATA[sistema financiero]]></kwd>
<kwd lng="es"><![CDATA[rentabilidad]]></kwd>
</kwd-group>
</article-meta>
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