Regulación de tasas y su efecto en la evolución de la profundización bancaria y en la rentabilidad del Banco de Loja en Ecuador periodo del 2002 a 2015

Abstract

Abstract: A thorough study of the regulation of interest rates, passive and active. Likewise, there is an effect on the evolution of bank deepening, both in deposits and placements and in profitability in the years 2002 to 2015, in Banco de Loja. They are linked to the economic indicators that each variable yields, in order to know the impact of interest rates, implemented by the National Government in September 2007. For its elaboration, a quantitative analysis is used, with correlational approach, due to the dependence that exists between them and if it was in benefit or detriment to the financial institution. Similarly, the strong change is established by reducing interest rates, which allowed users to better receive the different lines of credit, who previously did not access frequently, as they were affected by the high financial costs.