Análisis del acceso al crédito de consumo de la banca privada en la ciudad de Guayaquil

Abstract

This research analyzes access to consumer credit in private banking in Guayaquil, given its importance in sustaining economic activity and improving the quality of life of its inhabitants. It is crucial to understand how the varied banking offers and the socioeconomic conditions of consumers influence the availability and choice of consumer credit, a pillar for financial inclusion and economic development. The objectives focused on analyzing the supply of credit products, assessing the determinants of consumers' choice of a bank, and formulating recommendations to increase access and informed decision-making on these financial products.