Katherine L Ballena vergara Universidad de San Martín de Porres, Facultad de Ciencias Contables, Económicas y Financieras   Chiclayo, Lambayeque Perú   katherine_ballena2@usmp.pe             JEL Areas: E3 : Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data) E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General