Análisis de la calidad del índice de morosidad del sistema financiero privado ecuatoriano, segmento microcrédito.

Abstract

Microcredit is a financing modality that is usually related to forms of self-employment that allow some level of secure income for those who start a productive activity tending to break circles of poverty related specifically to income. Late payment is usually a reason why credit operations requested from financial institutions are denied, in a context of developing economy such as Ecuador, it is convenient to analyze the evolution of the quality of this indicator in order to determine if there is a good Its appearance, given that the private financial institutions of the banking group represent the largest portion of operators, the analysis of the quality of non-performing loans is carried out in that cluster. From currents of behavioral economics and neoclassical economics, the process of granting credit and the profiling of financing applicants have been approached, then it was obtained from the Superintendency of Banks of Ecuador, data on loans and harvest analysis of the microcredit segment for the period 2016 to 2019 and an extension is made to 2020 given the implications of COVID-19. The results show that the quality of the microcredit portfolio is good from the point of view of placement and recovery, the given conditions of extension of payment periods and refinancing due to the coronavirus pandemic have effectively contributed to the keep the circular flow of the microcredit segment active.