Incidencia del crédito no autorizado en el sector microempresarial cantón Santa Rosa provincia de El Oro período 2009-2011
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2011-10
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Universidad de Guayaquil. Facultad de Ciencias Económicas
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En el Capitulo I.- Se analiza todo el marco legal de la Superintendencia de Bancos y del Banco Central del Ecuador, que estipulan las tasas de interés que los bancos deberían cobrar a sus clientes, y los requisitos que deben pedir. En el Capítulo II.- se evalúan los créditos de instituciones financieras públicas y privadas, requisitos que debe cumplir un pequeño comerciante, con una serie de requisitos que piden estas instituciones, se complican y no desean pedir prestado a estas instituciones recurriendo a préstamos más fáciles, los denominados ilegales. En el Capítulo III.- Otro problema que se pone de manifiesto es que algunos individuos no son sujeto de crédito en estas instituciones por lo que „‟sin complicarse la vida‟‟ y sin realizar ninguna clase de análisis en cuanto al riesgo proceden a pedir prestado dinero a estos ‗‘agiotistas‘‘, realizando pagos diarios que van desde los cuatro dólares, hasta los dieciséis dólares o más en algunas ocasiones, y, que en base a las encuestas realizadas entendimos la realidad de estos pequeños comerciantes que solo trabajan para estos ‗‘chulqueros‘‘; lastimosamente es de considerar que esta actividad ilícita exacerba la economía nacional, ya que muchos de estos dueños del dinero son de nacionalidad colombiana, es decir, la economía sigue sin crecer, sin expandirse, sin aumentar sus exportaciones, por este motivo las instituciones financieras deben de tomar carta en el asunto.
In Chapter I.- The entire legal framework of the Superintendency of Banks and the Central Bank of Ecuador is analyzed, which stipulates the interest rates that banks should charge their clients, and the requirements they must request. In Chapter II. - the credits of public and private financial institutions are evaluated, requirements that a small merchant must fulfill, with a series of requirements that these institutions request, they become complicated and do not wish to borrow from these institutions resorting to easier loans , the so-called illegal. In Chapter III.- Another problem that becomes clear is that some individuals are not subject to credit in these institutions, so "without complicating their lives" and without carrying out any kind of risk analysis proceed to request lent money to these ‗'agiotistas '', making daily payments ranging from four dollars, to sixteen dollars or more in some cases, and, based on the surveys we made, we understood the reality of these small merchants who only work for these ‗'chulqueros ''; Unfortunately it is to consider that this illicit activity exacerbates the national economy, since many of these money owners are of Colombian nationality, that is, the economy still does not grow, without expanding, without increasing its
In Chapter I.- The entire legal framework of the Superintendency of Banks and the Central Bank of Ecuador is analyzed, which stipulates the interest rates that banks should charge their clients, and the requirements they must request. In Chapter II. - the credits of public and private financial institutions are evaluated, requirements that a small merchant must fulfill, with a series of requirements that these institutions request, they become complicated and do not wish to borrow from these institutions resorting to easier loans , the so-called illegal. In Chapter III.- Another problem that becomes clear is that some individuals are not subject to credit in these institutions, so "without complicating their lives" and without carrying out any kind of risk analysis proceed to request lent money to these ‗'agiotistas '', making daily payments ranging from four dollars, to sixteen dollars or more in some cases, and, based on the surveys we made, we understood the reality of these small merchants who only work for these ‗'chulqueros ''; Unfortunately it is to consider that this illicit activity exacerbates the national economy, since many of these money owners are of Colombian nationality, that is, the economy still does not grow, without expanding, without increasing its
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CRÉDITO BANCARIO, SECTOR EMPRESARIAL, SISTEMA FINANCIERO