Crédito productivo en el Ecuador y su incidencia en el crecimiento económico.
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Fecha
2024-01
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Universidad de Guayaquil. Facultad de Ciencias Económicas.
Resumen
Esta investigación tiene como objetivo analizar la relación entre los créditos productivos y el crecimiento económico en el Ecuador durante el período 2018-2022, comparando los sectores productivos con mayor monto de crédito productivo concedido y los sectores productivos con mayor aportación al PIB del Ecuador. Además, se analiza el rol de las instituciones financieras durante el periodo de estudio, a través de los montos de crédito concedido, los segmentos crediticios y las actividades con mayor financiamiento. La metodología aplicada en esta investigación presenta un enfoque cuantitativo debido a las técnicas estadísticas descriptivas utilizadas; además, el tipo de investigación es de carácter descriptivo – correlacional ya que se busca describir, explicar y analizar la relación entre las variables de estudio, los montos de crédito productivo y el PIB. Los resultados obtenidos muestran la existencia de una relación positiva entre las variables de estudio. Los sectores productivos con mayor monto de crédito productivo muestran un crecimiento en su VAB. Adicionalmente, los resultados por institución financiera muestran el comportamiento de las empresas al momento de decidir a qué institución financiera acudir para financiar sus actividades y la disposición de las instituciones financieras para financiar actividades productivas o de consumo.
This research aims to analyze the relationship between productive credits and economic growth in Ecuador during the period 2018-2022, comparing the productive sectors with the highest amount of productive credit granted and the productive sectors with the greatest contribution to Ecuador's GDP. In addition, the role of financial institutions during the study period is analyzed, through the amounts of credit granted, the credit segments and the activities with the greatest financing. The methodology applied in this research presents a quantitative approach due to the descriptive techniques used; Furthermore, the type of research is descriptive - correlational in nature since it seeks to describe, explain, and analyze the relationship between the study variables, the amounts of productive credit and GDP. The results obtained show the existence of a positive relationship between the study variables. The productive sectors with the highest amount of productive credit show growth in their GVA. Furthermore, the results by financial institution show the behavior of companies when deciding which financial institution to go to finance their activities and the willingness of financial institutions to finance productive or consumer activities.
This research aims to analyze the relationship between productive credits and economic growth in Ecuador during the period 2018-2022, comparing the productive sectors with the highest amount of productive credit granted and the productive sectors with the greatest contribution to Ecuador's GDP. In addition, the role of financial institutions during the study period is analyzed, through the amounts of credit granted, the credit segments and the activities with the greatest financing. The methodology applied in this research presents a quantitative approach due to the descriptive techniques used; Furthermore, the type of research is descriptive - correlational in nature since it seeks to describe, explain, and analyze the relationship between the study variables, the amounts of productive credit and GDP. The results obtained show the existence of a positive relationship between the study variables. The productive sectors with the highest amount of productive credit show growth in their GVA. Furthermore, the results by financial institution show the behavior of companies when deciding which financial institution to go to finance their activities and the willingness of financial institutions to finance productive or consumer activities.
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Palabras clave
CRECIMIENTO ECONÓMICO, BANCA PRIVADA, SECTORES PRODUCTIVOS, COOPERATIVAS DE AHORRO Y CRÉDITO, PIB