Estudio comparativo de contraer créditos con instituciones de segundo piso que actúan como banca del primer piso y su impacto en el microcrédito en la provincia de Guayas

摘要

This thesis seeks to focus on microcredit as a segment of boom in the Ecuadorian economy, its real importance as engines of growth and source of jobs for many people with few economic resources that are more than 60% of the economically active population EAP in the Ecuador. The main focus of this study corresponds to the opening of the non-traditional pews for the granting of credits based on the confidence towards its lenders, factor that was not considered by the banks of first line, affecting this sector by the events of the financial crisis of the 1990s. With new economic policies and regulations implemented by the current Government of the Econ. Rafael Correa, has been that the Ecuadorians of lower socio-economic class can acquire microcredits both banks of first floor and second floor, even the public financial institutions as the National Development Bank and the national Finance Corporation have created this sector clearly focused business plans. In the final stage of this thesis analysed the impact of the reforms in the regulation of interest rates during the year 2007 and its incidence in the granting of micro-credits, using the tool of regression by sections, gave as a result that the application of these new rates not caused major changes and behavior to grant credits was the same before this new regulation.