Factores que influyen en el endeudamiento con tarjetas de crédito en los tarjetahabientes de clase socioeconómica media en Guayaquil.

Abstract

The present investigation addresses a very important current topic and determine the factors that influence credit card indebtedness in middle socioeconomic class cardholders in the city of Guayaquil, due to the great impact they have had in the country. For the efficient development of this study, a theoretical, conceptual, and legal framework addressed and described the most relevant issues, allowing to support the topic raised in this article. This research is quantitative and qualitative, with a mixed approach. Interviews and surveys were two important data collection techniques applied in order to obtain relevant information. The results obtained in this study indicate that a large number of middle socioeconomic class cardholders often incur in indebtedness due to factors such as: Economic difficulty, whether due to unexpected layoffs, a decrease in salary, unforeseen situations such as illness or family situation, the lack of financial education, and an inadequate handling of the projections of their income and expenses. The results also show that a large number of the cardholders do not make a projection of their expenses which leads them to acquire debts that exceed their monthly salary, and this leads them to difficulties because they do not have the liquidity to pay them off, causing an economic deficit that affects their lifestyle. On the other hand, it was possible to know that the number of cardholders who do not fall into indebtedness is because they control their finances and have maintained a balance in their cash flow.