Análisis financiero de las líneas de crédito del Banco del Pacífico en el periodo 2022-2023

The current research study established as its objective; to carry out a financial analysis of Banco del Pacífico's credit lines in Guayaquil during the period 2022-2023. In addition, the problem emphasized how the conditions and characteristics of Banco del Pacífico's credit lines in the period 2022-2023 have impacted the entity's profitability and access to credit for consumers and companies in Guayaquil. The methodology located in this study deals with a mixed approach with a descriptive, documentary and exploratory scope, where the data collection technique used was the survey and instrument applying a bank of questions to 63 active credit clients and another questionnaire to interview 3 area heads related to credit and microcredit, a non probabilistic convenience sampling was used to cover the entire target population of the study. The results determined that despite the fact that most users acknowledge having received relevant information about credit terms, concerns persist about the lack of transparency, especially regarding the interest rate when obtaining a loan. Furthermore, it was identified that financial criteria prioritize approving loans based on each user's repayment capacity and sector analysis. In conclusion, the credit lines contributed to maintaining a profitable process, especially in the microcredit sector, despite the complications following the pandemic.

• Hovedforfatter: Freire Patiño, Holguer Moisés (author)
• Format: bachelorThesis
• Sprog: spa
• Udgivet: 2025
• Fag: Financiación; Crédito; Economía; Rentabilidad
• Online adgang: http://repositorio.ulvr.edu.ec/handle/44000/8046