El crédito productivo de la banca privada y su impacto en la industria cementera ecuatoriana, período 2007-2017
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2020-04
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Facultad de Ciencias Económicas. Universidad de Guayaquil
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En el presente trabajo tiene como objetivo: analizar la incidencia del crédito productivo de la banca privada y su impacto en el crecimiento de la Industria Cementera Ecuatoriana durante el periodo 2007-2017, las metodologías aplicadas son: 1) a través de un modelo econométrico, basada en la función de producción de Cobb Douglas, realizar una estimación de MCO de modelo Log – Log, expresada en tasas de crecimiento acumuladas que permitirá rechazar o no la hipótesis planteada en el presente investigación. 2) Análisis Económico Financiero de las principales empresas del sector (Holcim, UNACEM, UCEM) para determinar el nivel de liquidez, endeudamiento, y rentabilidad frente sus obligaciones financieras de corto y largo plazo. El cual se obtuvo como resultado que los créditos productivos tienen un impacto positivo, y son significativo al crecimiento económico del Sector Cementero, además se incluyó otras variables que permiten un mejor ajuste al modelo y explique de mejor manera el comportamiento de la Industria Cementera Ecuatoriana, por otra parte, el apalancamiento financiero incide sobre en el crecimiento de las empresas, por tanto para las empresas les es rentable acudir a financiamiento ya que les genera mejores beneficio económicos.
The objective of this work is to analyze the incidence of productive credit from private banks and its impact on the growth of the Ecuadorian Cement Industry during the 2007-2017 period, the methodologies applied are: 1) through an econometric model, based on the Cobb Douglas production function, perform an estimate of MCO of Log - Log model, expressed in rates of Cumulative growth that will allow us to reject or not reject the hypothesis proposed in this research. 2) Economic and Financial Analysis of the main companies in the sector (Holcim, UNACEM, UCEM) to determine the level of liquidity, indebtedness, and profitability against their short and long term financial obligations. Which was obtained as a result that productive credits have a positive impact, and are significant to the economic growth of the Cement Sector, in addition other variables were included that allow a better adjustment and explain in a better way the Ecuadorian Cement Industry, on the other hand, Financial leverage affects the growth of companies, so it is profitable for companies to go to financing because it generates better economic benefits
The objective of this work is to analyze the incidence of productive credit from private banks and its impact on the growth of the Ecuadorian Cement Industry during the 2007-2017 period, the methodologies applied are: 1) through an econometric model, based on the Cobb Douglas production function, perform an estimate of MCO of Log - Log model, expressed in rates of Cumulative growth that will allow us to reject or not reject the hypothesis proposed in this research. 2) Economic and Financial Analysis of the main companies in the sector (Holcim, UNACEM, UCEM) to determine the level of liquidity, indebtedness, and profitability against their short and long term financial obligations. Which was obtained as a result that productive credits have a positive impact, and are significant to the economic growth of the Cement Sector, in addition other variables were included that allow a better adjustment and explain in a better way the Ecuadorian Cement Industry, on the other hand, Financial leverage affects the growth of companies, so it is profitable for companies to go to financing because it generates better economic benefits
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CRÉDITOS PRODUCTIVOS, CRECIMIENTO ECONÓMICO, CAPACIDAD DE PRODUCCIÓN, TASAS DE INTERES