Análisis del comportamiento del crédito en la ciudad de Zaruma antes,durantey después dela pandemia

Abstract

Abstract: The theme "Analysis of credit behavior before and during the pandemic in the city of Zaruma" is a non-experimental investigation, data was collected from secondary sources: databases of the Superintendency of Banks and the Superintendency of Popular Economy. and Solidarity, then a description of the information was made using analytical, synthetic, descriptive, scientific, inductive, deductive methods. Among the results it is highlighted that the COVID-19 pandemic significantly influenced the demand for credit; delinquency has not increased greatly due to the refinancing of the debt. Productive loans have been granted mainly by Private Banks, while microcredits by public banks. Regarding the economic sectors, for BanEcuador the largest amount of its credits have been allocated to agriculture, livestock, forestry and fishing. Regarding the cooperatives, the productive credits have been delivered in greater quantity by the Santa Rosa Cooperative, and the microcredits by the Jardín Azuayo Cooperative. Productivecredit and microcredit during the pandemic have been granted in a greater proportion by Banco de Pichincha.