Análisis del comportamiento del crédito de consumo otorgado por cooperativas del segmento i en el PIB como indicador del crecimiento de la economía ecuatoriana, entre los periodos 2018 – 2023

Abstract

Consumer credit is a freely usable amount of money that cooperatives or banks provide to individuals or companies for the purchase of goods or the payment of services. This article analyzes the behavior of consumer credit granted by savings and credit cooperatives in segment I in the period 2018 – 2023. On the other hand, the Gross Domestic Product represents the total value of goods and services generated in a determined period generally one year within an economy; One of the variables that make up the GDP is Household Consumption Expenditure, it represents the income and expenses of families to satisfy their needs, through savings, remuneration and credits. Same credits that will be analyzed, then a relationship will be made in the first instance with the consumer credit granted and the expense variable; in addition to this variable within the GDP. Considering all the social aspects and events that have happened throughout this period of time, such as the covid-19 pandemic, which has been one of the most important and therefore its decrease. To carry out this analysis, linear correlation, percentage variation and variable representation will be used. As a general conclusion, it can be said that there is a directly proportional relationship between consumer credit with family consumption spending and this with GDP as an indicator of the economy.