Factores económicos que influyen en la colocación del crédito en el Ecuador (Período 2002-2017).

Abstract

This research seeks to define the economic factors that influence the placement of credit in the banking sector of Ecuador (2002-2017), due to the great importance that it has to boost the economy. The importance of analyzing bank credit that is granted in an economy arises from the empirical and theoretical evidence that relates it as an important element for the economic development of a country, since to the extent that people or companies are limited their ability to financing, they could not consume or carry out investment activities in the short and long term (Clavellina, 2013). For this reason, there is a need to conduct a study to identify the variables that affect the placement of credit in Ecuador. The study was carried out by structuring the data obtained from the superintendence of banks and the central bank of Ecuador, which was measured through of ordinary least squares and ordinary least squares with fixed effects on the one hand the results showed evidence regarding variables such as; total deposits, personnel expenses, ROE, ROA, credit, country risk among others that affect the placement of the credit, while the rest of the variables analyzed in the study found no evidence that these influence the placement of the credit, that is, no conclusive information was obtained. This study will help public entities to improve their decision-making regarding which variables can be stimulated in the economy in the event that they need larger amounts of loans, as well as to increase investments in the short and long term.