Impacto del crédito productivo en el crecimiento del PIB del Ecuador: un análisis cualitativo y cuantitativo (2020-2024)

Abstract

This paper analyzes the impact of productive credit on real Gross Domestic Product (GDP) growth in Ecuador during the period 2020-2024, applying a mixed approach based on Keynesian theory. Through a quantitative analysis with a linear regression model estimated by Ordinary Least Squares in stata and a qualitative analysis supported by existing literature, a positive relationship between the volume of productive credit and economic growth is confirmed. In addition, the role of control variables such as lending rate, deposit rate, country risk and unemployment, which influence credit dynamics and Gross Domestic Product (GDP), is evaluated. The results show the importance of strengthening public policies that promote access to productive credit to encourage investment and employment generation, contributing to sustainable economic development. Highlighting the need to strengthen productive credit as a mechanism to promote innovation, entrepreneurship and productive diversification in Ecuador.