ANÁLISIS DE LA EMISIÓN DE MICROCRÉDITOS DE LA BANCA PRIVADA DE LA CIUDAD DE GUAYAQUIL

Abstract

The present study is based on understanding and analyzing the current situation facing microcredit private banks in Guayaquil, after government regulation to establish a maximum interest rate, which made private banks dedicated to the provision of this service in the financial market, use new strategies and tools that enable them to maintain financial sustainability to continue in the market dynamics. The analysis is performed in the city of Guayaquil known as the economic capital of Ecuador, which is the most populous canton in Guayas, and who has a leading role in the Ecuadorian economy by the large number of industries, companies, and micro formal and informal. To solve the low supply and high demand in this segment risky financial system arises within the Private Banking Microcredit specializing in turn takes as business concept productive lending aimed at small businesses that do not meet the level of guarantees traditional banking requires that handle high risk levels.