Análisis de los procedimientos de gestión de un crédito para empresas que operan en el sistema financiero del Ecuador.

Abstract

This research seeks to analyze the procedures for managing a credit for companies that operate in the financial system and to know the credit facilities of financial institutions in Ecuador. The granting of bank credits encompasses important internal and political requirements to be considered of each institution. For this reason, aspects such as credit lines, terms to be granted, active tax rates, and guarantee requirements that allow credit support.. This study aims at a descriptive methodological design that will allow the application of a french amortization table, in order to determine the monthly amounts to be paid. The results achieved indicate a loan amount of $ 110,000 at 18 months In addition to a good mortgaged for the value of $ 450,000 and with monthly installments of $ 6,594.13.Reason for which it is shown that when accessing a credit in financial institutions has advantages when the user meets all requirements and standards required by the institution and that the presentation is always in question of a guarantee that guarantees the required amountsas.