El crédito con enfoque en el género femenino y su efecto en la economía y la sociedad ecuatoriana.

Abstract

The objective of this article is to determine the effect of credit focusing on the female gender inside the Ecuadorian economy and society during the period 2015-2021, through the collection of economic and social bulletins referring to the growth rate of credit and GDP, the employment and unemployment rate, and other statistics regarding female participation in Ecuador. With the results obtained from our research, the positive growth trend of the volumes of credit granted to women has been determined; that 64% of the female credit portfolio corresponds to productive commercial credit while 19% is destined for consumption; that credit represents approximately 18% of GDP and that there is a direct correlation between both variables; the average unemployment rate has been decreasing since in 2015 it was 6% while in 2021 it reached 5%. In relation to the surveys carried out on 350 women in reference to access to Credit and its impact on their quality of life, 64.3% indicated that it improved, these showed that the highest percentage of credits were granted in the province of Guayas (24%) and Pichincha (15), with respect to loans, 35% was requested as microcredit and 30% for consumption, while only 20% for the agricultural sector. For this reason, this article states that the credits granted with a focus on the female gender contribute to reducing the gender gap, have an influence on the lives of the women who receive it and contribute to the economic and social growth of the country.