Análisis de los factores que inciden en la morosidad de las tarjetas de crédito en el sector formal del Ecuador, periodo 2021

Abstract

Abstract: This study analyzes the factors that influence credit card delinquency in Ecuador's formal sector during the period 2015 2021. Using a quantitative approach and a multiple linear regression model with logarithmic transformation, socioeconomic and financial variables such as average income, age, number of cards, and average credit limit were examined. The results of the econometric model confirmed that income, age, and average credit limit have an inverse relationship with delinquency, while an increase in the number of cards and average credit limit increases the risk of delinquency, demonstrating that credit expansion without adequate risk management generates greater vulnerability in the financial system. It is concluded that consumer credit delinquency is primarily due to structural and institutional factors rather than individual ones. The results support the need to strengthen risk control policies, improve credit assessment mechanisms and consolidate the stability of the Ecuadorian financial system through prudent and sustainable credit management.