Incidencia de los créditos hipotecarios otorgados por el BIESS en la reactivación socioeconómica del sector de la construcción en el Ecuador periodo 2010 - 2017.

Abstract

This research project presents an analysis of the incidence of mortgage loans through the BIESS in the socioeconomic reactivation of the construction sector in the period 2010-2017, with the aim of knowing how important this entity has been to access a house as detailed in the National Plan for Good Living and in turn show that through these financing, some economic sectors are benefited. The method applied is the explanatory descriptive, the type of research is qualitative and quantitative (mixed). The theoretical and conceptual framework based on interventionist economic theories and economic growth is developed. The analysis is of a theoretical type complemented by applications of basic descriptive statistics. Analysis was carried out among the main study variables that are mortgage credit, economic growth and the construction sector. The results highlight that, in the period analyzed, it did not fully compensate the credit demand, limiting the amounts of credits for the housing sector. Space that was occupied by BIESS, a bank that has granted significant amounts of credit and has a positive impact on the dynamics of the Ecuadorian economy. Finally, it is important to indicate that the construction sector is a fundamental pillar for the composition of GDP, which is in growth reactivating the country's socioeconomic level, and BIESS as a public financial institution has managed to contribute to this sector, providing housing to Iess affiliates and retirees, improving their socioeconomic status.