Análisis de los factores que inciden en el consumo por tarjetas de créditos en el Ecuador, periodo 2015-2020
Fecha
2022-03
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Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
En esta investigación se relata la problemática observada en torno al consumo mediante el uso de tarjetas de crédito. Por lo cual, el objetivo del referido estudio procura analizar los factores que incidieron en el consumo por tarjetas de crédito durante el periodo 2015 – 2020. Los resultados de mayor relevancia, permitieron determinar que el ingreso per cápita fue la variable de mayor incidencia en el consumo por tarjetas de crédito. El periodo de estudio pertenece a un ciclo recesivo, el cual terminó con la contracción presentada en el 2020 como consecuencia de la crisis sanitaria por Covid-19. Acorde a lo señalado, la tendencia del ingreso indicó una reducción en el mismo y a partir de ese hecho, se evidenció efectos que disminuyeron el consumo y aumentaron los niveles de endeudamiento. En otro aspecto, la correlación entre las variables ingreso per cápita y consumo por tarjetas de crédito fue del 88%; por lo cual, se determinó una correlación significativa y directa. Se recomendó la implementación de un plan de educación financiera con el objetivo de instruir a los usuarios del sistema bancario en el uso de las tarjetas de crédito y en otros servicios financieros.
This research reports the problems observed around consumption through the use of credit cards. Therefore, the objective of the aforementioned study seeks to analyze the factors that affected consumption by credit cards during the 2015-2020 period. The most relevant results allowed us to determine that per capita income was the variable with the highest incidence in the consumption by credit cards. The study period belongs to a recessive cycle, which ended with the contraction presented in 2020 as a consequence of the Covid-19 health crisis. According to the above, the trend of income indicated a reduction in it and from that fact, effects were evidenced that decreased consumption and increased levels of indebtedness. In another aspect, the correlation between the variables per capita income and credit card consumption was 88%; therefore, a significant and direct correlation was determined. The implementation of a financial education plan was recommended in order to instruct users of the banking system in the use of credit cards and other financial services.
This research reports the problems observed around consumption through the use of credit cards. Therefore, the objective of the aforementioned study seeks to analyze the factors that affected consumption by credit cards during the 2015-2020 period. The most relevant results allowed us to determine that per capita income was the variable with the highest incidence in the consumption by credit cards. The study period belongs to a recessive cycle, which ended with the contraction presented in 2020 as a consequence of the Covid-19 health crisis. According to the above, the trend of income indicated a reduction in it and from that fact, effects were evidenced that decreased consumption and increased levels of indebtedness. In another aspect, the correlation between the variables per capita income and credit card consumption was 88%; therefore, a significant and direct correlation was determined. The implementation of a financial education plan was recommended in order to instruct users of the banking system in the use of credit cards and other financial services.
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TARJETAS DE CRÉDITO, INGRESO POR CÁPITA, EDUCACIÓN FINANCIERA, PLAN DE CAPACITACIÓN
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APA