Banca privada y el comportamiento del crédito microempresarial en el sector productivo de la ciudad de Machala, periodo 2016-2020

Abstract

Abstract: This research was developed with the goal of analyzing and understanding the behavior of the microenterprise portfolio of private banks.It has been decided to study the twelve banks operating in the canton of Machala during the period 2016-2020, whose study was quantitative approach because we used a series of secondary statistical data issued by bulletins of the Superintendency of Banks, microenterprise portfolio placement section, we can respond to the problem posed.It was possible to analyze that the behavior of the microcredit portfolio remained between 20 and 23 million dollars, in 2016 was the lowest with 20 million dollars as a result of the earthquake in Manabí and Esmeraldas in April 2016, microcredit was allocated to the damaged cities, However, in 2017 it reached 4.53%, in 2018 it reached 12.13%, in 2019 it reached a peak of 21.78%, but in 2020 it presented a drop of 17.06% due to a mandatory cessation of activities and a quarantine declared by COVID-19, this affected the financial system, as its clients stopped requesting loans.On the other hand, BancoPichincha is the institution that grants the largest amount of microcredits, and Banco Loja, Litoral and Pacifico the smallest.