Propuesta de un producto financiero para captación de ahorro del público ‘Ahorro salud’ en la ciudad de Guayaquil.

Abstract

he issue of a proposal for a financial product to capture savings with "health savings", which has its origin due to the multiple inconveniences raised in the health of citizens as a result of the covid-19 pandemic, where many People had serious inconveniences to the point that there was an increase in mortality, they did not have money saved, work was limited and the spread of the virus created a clear psychological conflict in the families. The objective of this scientific article is to propose to the banks a financial instrument called "Health Savings" of this one destined for all the depositors that are in the national financial system through savings and checking accounts. The applied methodology has a qualitative and quantitative approach, research was carried out based on the exploratory method in different statistical and documentary reports, a descriptive method is applied by having direct information from bank managers and savers. The main research instrument used was the observation and the interview, where the results obtained allow to establish a different profile of the bank and the client to be immersed in health care and safety with the use of the savings generated as a result of work and at the same time the possibility of a credit to be used to solve an accidental or catastrophic illness. In conclusion, the health savings product is an alternative that all those people who are part of the economically active population have to protect themselves from the pandemic and any infectious disease, the solidarity management of the bank allows the use of savings and at the same time the granting of an emergency credit for the client and his family.