ENDEUDAMIENTO EN LOS HOGARES ECUATORIANOS POR EL USO DE TARJETAS DE CRÉDITO EN EL PERÍODO 2010 – 2016

Abstract

Consumer credit is one of the drivers within economies in Ecuadorian households, which marks a global trend that has had effects within the country. In Ecuador, the situation reached a critical point after 2012, the Banking Board issued a resolution that limited the commercial houses to the issuance of credit cards for their customers. The increase in consumer credit almost doubled during the 2010-2012 period, from 2,893 million dollars in January 2010 to 6,225 million dollars in January 2016. The present research is of a qualitative type with a descriptive approach, which described the situation of indebtedness and over-indebtedness in Ecuadorian households. A compilation of the database of the Central Bank of Ecuador, the Private Banking Association, the Banking Board, the Superintendence of Banks and Insurance; In addition a documentary review of different terms related to the subject in question. In the investigation it was determined the year 2014 as a critical point, in which the individuals reached a level of over-indebtedness, from this point we see a deceleration of the amount of credits directed specifically to consumption