Evolución del crédito en el Ecuador durante el período 2015 al 2018.

Abstract

The changes of the macro environment and the evolution in the behavior of clients have been the main object of analysis for the decision making based on the offers in the different segments of perfect competition markets, for this reason the public and private financial institutions of Ecuador seek to adapt their special credit offers to the different needs and desires of real and potential customers, for which they are mainly governed by the regulations established by the Superintendence of Banks and the generation of value for clients in relation to greater benefits of security, agility and amount; the purpose of this case study lies in the analysis of the evolution of credit in Ecuador based on the documentary and quantitative study from 2015 to 2018, which shows maximum standardized effective interest rates and variations in the classification of the loans of the country.