Microcrédito y morosidad en el sistema financiero ecuatoriano: análisis comparativo.

Abstract

Abstract: The main objective of this study is to analyze microcredit and loan default. Ecuadorian financial system during the period 2016-2022. The research uses a quantitative approach and a type of descriptive research, examining annual data from public and private entities and from the popular and solidarity sector. The results show constant growth in the microcredit portfolio, with greater participation of the public and popular/solidarity sectors. However, it is also observes an increase in delinquency levels, being more pronounced in banking public. The correlation analysis reveals a moderate inverse relationship between the microcredit placements and delinquencies, suggesting that higher disbursements of microcredits are associated with lower delinquency rates. Overall, the study concludes that microcredit plays a crucial role in the economic development and financial inclusion in Ecuador, despite the challenges that represents the management of bad debts, especially in the public sector. These findings highlight the importance of strengthening disease control policies and strategies risks to enhance the positive impact of microcredit.