Análisis del mercado de créditos de consumo y su evolución durante el periodo 2014-2016 : caso Banco Pichincha.

Abstract

In Ecuador, the treatment of the disbursement of credits, is given by different modalities, this depending on the destination of the resources, in the case of consumer loans, this is to acquire goods and services that improve the quality of life of the population, it is not necessary that these goods serve to generate income. Given the fluctuations in the economic development of GDP in the country, the question was raised: is there a direct relationship between the variation in the amounts and interest rates of the consumer market with the evolution of the Gross Domestic Product in Ecuador during the years 2014 to 2016? for which a non-experimental investigation was used, looking for statistical and documented reports on the behavior of these variables. At the time of presenting the results, between 2014, 2015, 2016, it was concluded that there is no relationship between amounts and number of operations, where the time of recession meant that banks disburse less money for each customer despite increasing their amounts of money in the market, as for the interest rate, while the banks lend less, they tend to propose a much higher return on their promissory notes, so that they do not see their profits affected, however, there is compatibility between the placement of credits and GDP, in 2015 the decline of the economy meant a decrease in credits, due to the loss of confidence of banks by credit subjects.