Repercusiones de la cartera vencida por créditos educativos y la gestión del sector financiero ecuatoriano.

Abstract

Educational credits constitute an economic benefit for students in vocational training, in addition, the effective management of the educational credit portfolio is essential for financial entities and is based on credit policies designed to ensure the return of borrowed funds. Considering this context, the general objective is to identify the repercussions of the overdue portfolio for educational loans and the management of the Ecuadorian financial sector, for which a qualitative approach methodology of a descriptive-documentary type is applied, for which the information was analyzed of banking entities, using the delinquency rate as an indicator. The contribution of the research is directed to the Ecuadorian Financial Sector, providing reference on the level of delinquency in educational loans and highlighting the importance of managing the portfolio to evaluate the effectiveness in the granting and recovery of credits. It can be concluded that the repercussions of the overdue portfolio of educational loans, among one of the most important, are the provisions and the high index present in educational loans.