Análisis de los factores que inciden en la cartera vencida del área microempresa del banco Guayaquil agencia Latacunga, período 2010-2015.

Abstract

This research aims to analyze the factors that affect the past due portfolio of the Microenterprise area of the Banco Guayaquil Latacunga agency, to know the current situation of Microentrepreneurs and their role in the country's economy. The type of study was of Documentary type because the revision and analysis of printed materials was done, as well as the revision of websites of different institutions. It was from the field because data were collected directly from the place of the facts, through surveys and interviews and it was Correlational because we investigated whether there is a dependency relationship between the delinquency index and other variables. At this point, it was found that the variables that have the greatest influence on the past-due portfolio index were the level of education of the clients and the interest rate charged by the bank. Techniques were used to access the necessary information through data collection instruments such as the survey questionnaire applied to clients and Bank officials, this information once tabulated allowed to know the true causes and factors that affect the institution's past due portfolio, so it is recommended to make certain internal and external changes that will benefit both the bank as well as Of customers.