Trabajos de Titulación - Economía
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Examinando Trabajos de Titulación - Economía por Autor "Jimbo Zhiminaicela, Jonathan Sebastian"
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- ÍtemAcceso AbiertoIncidencia de las tasas de interés en las captaciones y colocaciones del sector financiero popular y solidario en la zona 6, periodo 2021-2021(Universidad Católica de Cuenca., 2023) Jimbo Zhiminaicela, Jonathan Sebastian; Rosales Namicela, Monica Brigith; 0105966089This work aims to analyze the influence of the variation of lending and deposit interest rates and the money supply on loans and deposits of the popular and solidarity financial sector from 2010 to 2021 in Zone 6. To quantify these relationships, the model of autoregressive distributed lags was used. In the first instance, loans, explained by lending interest rates and money supply, were analyzed, followed by deposits, explained by deposit interest rates plus money supply. The main results showed that interest rates do not vary constantly in Ecuador, so there is no impact on the loan levels and deposits during the period analyzed. Through the long-term analysis, the lags of the passive rate act inversely on deposits, and the lags of the money supply also act in the same way with placements. In this manner, it complies with the theory that interest rates present significant variations when a country has its own currency. In the case of Ecuador, this does not happen due to the foreign currency usage, the dollar, which is also of world hegemony. Finally, it is recommended to focus the analysis of the sector with other qualitative and quantitative variables.