Impacto en la rentabilidad en los segmentos de consumo y microcrédito de los bancos privados y cooperativas del Ecuador como resultado de la reducción de las tasas de interés.

Abstract

The Ecuadorian economy has been referenced by the confinement with a significant impact by the restrictions. Ecuador was already observing an extremely delicate situation from the macroeconomic point of view, depending on the variables managed at that time. Agreements with the IMF did not exist or were suspended and the price of a barrel of oil dropped considerably. In this regard, the banking sector had and has an important role in the contextualization of the crisis; Since if the banking sector had not been strengthened, the situation could have been more serious, since the sector had to carry out support and support in the consumer segment and the micro-enterprise, for the subsistence of these sectors in a context of reduction of sales and corresponding income. Under this premise, interest rates have been significantly reduced, in a requirement of the banking sector to support the productive sector and the general public. The impact on the banking sector of the decrease in interest rates in the consumer and micro-entrepreneur segments; being necessary to present an investigation embodied in this article to develop a situational analysis of interest rates and their relationship with the profitability of banking institutions, to be clear in the current context of the banking sector and constitute a tool for prevention risk and appropriate decision-making; The objective of this work is to evaluate the impact of the decrease in interest rates on profitability and the volume of credits in the institutions of the Ecuadorian banking sector in the consumer and micro-business segments, through the review of the analysis of the indicators. of profitability, liquidity and delinquency the impact of the reduction of interest rates in the Ecuadorian banking sector in the consumer and microenterprise segments. Define the effects generated as a result of the decrease in the interest rate in the credit concession granted by the institutions of the Ecuadorian banking sector in the consumer and microenterprise segments. And compare the impacts generated on profitability as a result of the decrease in the interest rate for private banks and Savings and Credit Cooperatives.