Análisis de las condiciones que determinan los niveles de morosidad de tarjetahabientes en la ciudad de Loja en el año 2022

Abstract

Abstract: In the present study, an analysis of the conditions that determine the levels of delinquency of cardholders in the city of Loja in the year 2022, the objective was to know The various economic, social and psychological factors that affect the population, are reviewed consumption patterns, preferences and demographic factors, establishing a contextual framework, determinants of indebtedness and consumption habits were evaluated in the population. The methodology is quantitative to statistically relate the influential factors in the delinquency of cardholders, the survey was aimed at 382 inhabitants, the survey results highlighted the significant integration of the cards of credit in the financial lives of the respondents, notable differences were identified in delinquency levels among demographic groups and educational levels, pointing out the need for more personalized credit management factors such as increased cost of commodities and indebtedness emerged as key in defaults, urging to the personalization of financial offers. Furthermore, it is suggested to establish financial advice, offering guidance on debt management and strategies to avoid late payment.