Análisis de la política monetaria en las decisiones de endeudamiento y rentabilidad de la banca mediana del Ecuador, período 2018-2022

Abstract

Abstract: The purpose of this research is to conduct an analysis of monetary policies in the debt and profitability decisions of medium-sized banks in Ecuador during the period 2018-2022. The methodology used is quantitative, with an analytical and correlational approach. A database was collected, including variables such as interest rates, performance indicators, and debt levels, with the data processed in Excel and analyzed using JASP. The main results reveal a dependency between interest rate variations and the returns on assets and equity of medium-sized banks in Ecuador, as well as their levels of indebtedness. In conclusion, the study highlights the need for strategies to improve portfolio management across each segment, thereby fostering greater development in financial institutions and benefiting society as a whole.