“Análisis del crédito prioritario en la banca ecuatoriana y su impacto económico periodos 2018 – 2022”

Abstract

Priority credit in the Ecuadorian banking system is an instrument to facilitate and boost per capita consumption capacity. The research problem arises from the variation in consumer spending levels by users in the established periods. This study aims to determine whether priority credits in the Ecuadorian banking system impact individuals' purchasing power. The methodology is framed within a mixed approach; it is descriptive and non-experimental with a longitudinal dimension. Information was obtained through the financial statements from 2018-2022 published by the Superintendence of Banks and the Central Bank of Ecuador. The results obtained through SPSS confirmed that national proper employment has a direct relationship with consumer credit through the Pearson correlation model. Additionally, the ‘Expertones’ Model was applied through fuzzy logic, which permitted defining the forgotten effect by determining the strategy for financial institutions, which is to provide personalized service between advisor-client and users, influencing maintaining their loyalty through the hidden variable of attracting new clients, contributing to a reciprocal benefit between the parties, as it creates satisfactory interactions for the consumer, fostering long-term loyalty and commitment.