Aplicación de las tasas de interés legal en las principales actividades económicas de la provincia de El Oro.

Abstract

Interest rates are an important factor for the economy of each country and therefore the power to regulate these percentages needs to fall to a specialized agency, in the case of Ecuador the Banco Central. However, there is ignorance and confusion in investors who turn to the financial system and even in the financial advisors themselves in a struggle to determine in which segment the credit should be located due to the different conditions of capital, time, destination of the capital, among others. . Therefore, the problem posed was: How does the regulation of interest rates exercised by the BCE affect the financing of the main economic activities of the province of El Oro? And for the development, it was established as a general objective to analyze the interest rates regulated by the Central Bank through the documentary review of the official bulletin in force to the year 2022 for the determination of its impact on the main economic activities of the province of El Oro. a descriptive cross-sectional methodology and as the only research technique the documentary review was used. The main results were to have identified all the segments and the referential and maximum effective interest rates, the main economic activities and the difference through a practical case where the amortization tables corresponding to a loan under equal conditions were presented, but with different interest rates.