La dolarización y el incremento de los créditos hipotecarios en la banca privada, con un análisis comparativo entre los periodos 1988-1998 y 2005-2015.

Abstract

The research project called "Dollarization and the Increase of Mortgage Credits in Private Banking, with a Comparative Analysis between the Periods 1988-1998 and 2005-2015" aims to analyze the effect of dollarization using the volume variable of Mortgage loans with the balance of payments, GDP per capita, and inflation. The methodology used is descriptive and correlational in scope, non-experimental with a quantitative approach longitudinal section, through the multiple linear regression method. The information will be obtained from secondary sources of the Central Bank of Ecuador and the Superintendency of Banks during 10 years of sucre and 10 years of dollarization, allowing to analyze if the mentioned variables are dependent on each other. The result establishes that (a) the sucre scenario, from 1988-1998, the independent variables are significant in relation to the volume of mortgage loans, and (b) the dollarization scenario, from 2005-2015 the variables did not influence significantly.