Aporte del crédito en la generación de actividades productivas en el Ecuador caso Banco Capital y Banco Coopnacional 2015-2023

Abstract

Abstract: This study analyzes the impact of credit on the generation of productive activities in Ecuador, focusing on the cases of Banco Capital and Banco Coopnacional during the period 2015-2023. Through a detailed analysis of the evolution of credit portfolios, it was identified that Banco Capital prioritized commercial credit with a total of $28,741,778.33, which is 57.16%, and microcredits with a cumulative $21,540,958.57, representing 42.84%. Banco Coopnacional focused on commercial loans with a value of $162,901,534, with 53%, and microcredits for a value of $146,870,350, equivalent to 47%. The banks studied showed a decrease in loan allocations during the pandemic period; however, Banco Coopnacional recovered more quickly due to the boost in lending to the corporate commercial segment. A geographic concentration was observed in key provinces such as Guayas and Pichincha, with limited diversification in sectors such as industry and agriculture. The study concludes that, although both banks have contributed to economic development and strengthening, the reduction in loan allocation and limited diversification could limit their long-term impact.