Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis?
COVID-19 brought with it an increase in unemployment, underemployment and workers living in poverty. Epidemics and economic crises may have a disproportionate impact on certain population groups and lead to increased inequality. To design public policies that reactivate the economy from the point of...
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| Formato: | article |
| Idioma: | spa |
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2022
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| Acceso en liña: | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/315 |
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| author | Uquillas, Adriana |
| author_facet | Uquillas, Adriana |
| author_role | author |
| collection | Revista Cuestiones Económicas |
| dc.creator.none.fl_str_mv | Uquillas, Adriana |
| dc.date.none.fl_str_mv | 2022-06-30 |
| dc.format.none.fl_str_mv | application/pdf text/html |
| dc.identifier.none.fl_str_mv | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/315 10.47550/RCE/32.1.1 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Banco Central del Ecuador |
| dc.relation.none.fl_str_mv | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/315/303 https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/315/319 |
| dc.rights.none.fl_str_mv | info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | Cuestiones Económicas; Vol. 32 Núm. 1 (2022): Revista Cuestiones Económicas; Autor: Adriana Uquillas 2697-3367 2697-3367 reponame:Revista Cuestiones Económicas instname:Banco Central del Ecuador instacron:BCE |
| dc.subject.none.fl_str_mv | Credit demand COVID-19 snowball sampling financial inclusion COVID-19 Inclusión Financiera Demanda de crédito muestreo bola de nieve |
| dc.title.none.fl_str_mv | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? Demanda por crédito en Ecuador: ¿Qué trabajadores necesitan con mayor urgencia un crédito, para reactivar su economía, en el contexto de la crisis sanitaria COVID-19? |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Artículos de Investigación |
| description | COVID-19 brought with it an increase in unemployment, underemployment and workers living in poverty. Epidemics and economic crises may have a disproportionate impact on certain population groups and lead to increased inequality. To design public policies that reactivate the economy from the point of view of financial accessibility, it is necessary to identify this population in a situation of fragility. Based on a survey conducted at the national level, this study establishes the profiles of the most vulnerable workers and the socio-demographic and economic characteristics that determine the demand for credit in the most fragile labor sectors of Ecuador in the COVID-19 crisis.The results show that the main determinants are not owning savings, not owning a home, owning debts, and decreasing income. Professionals dedicated to teaching and self-employed or belonging to EPS organizations that operate mainly in the retail trade or other service activities correspond to this vulnerable group.It is essential to strengthen social protection systems, design financial instruments to support those who need it most through the creation and diversification of special credit lines adjusted to different vulnerability profiles. |
| eu_rights_str_mv | openAccess |
| format | article |
| id | REVCUESTEC_916eab75c79146a75264af4b27d4fa8a |
| identifier_str_mv | 10.47550/RCE/32.1.1 |
| instacron_str | BCE |
| institution | BCE |
| instname_str | Banco Central del Ecuador |
| language | spa |
| network_acronym_str | REVCUESTEC |
| network_name_str | Revista Cuestiones Económicas |
| oai_identifier_str | oai:estudioseconomicos.bce.fin.ec:article/315 |
| publishDate | 2022 |
| publisher.none.fl_str_mv | Banco Central del Ecuador |
| reponame_str | Revista Cuestiones Económicas |
| repository.mail.fl_str_mv | |
| repository.name.fl_str_mv | Revista Cuestiones Económicas - Banco Central del Ecuador |
| repository_id_str | |
| spelling | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis?Demanda por crédito en Ecuador: ¿Qué trabajadores necesitan con mayor urgencia un crédito, para reactivar su economía, en el contexto de la crisis sanitaria COVID-19?Uquillas, AdrianaCredit demandCOVID-19snowball samplingfinancial inclusionCOVID-19Inclusión FinancieraDemanda de créditomuestreo bola de nieveCOVID-19 brought with it an increase in unemployment, underemployment and workers living in poverty. Epidemics and economic crises may have a disproportionate impact on certain population groups and lead to increased inequality. To design public policies that reactivate the economy from the point of view of financial accessibility, it is necessary to identify this population in a situation of fragility. Based on a survey conducted at the national level, this study establishes the profiles of the most vulnerable workers and the socio-demographic and economic characteristics that determine the demand for credit in the most fragile labor sectors of Ecuador in the COVID-19 crisis.The results show that the main determinants are not owning savings, not owning a home, owning debts, and decreasing income. Professionals dedicated to teaching and self-employed or belonging to EPS organizations that operate mainly in the retail trade or other service activities correspond to this vulnerable group.It is essential to strengthen social protection systems, design financial instruments to support those who need it most through the creation and diversification of special credit lines adjusted to different vulnerability profiles.El COVID-19 trajo consigo el aumento del desempleo, del subempleo y de trabajadores en situación de pobreza. Las epidemias y las crisis económicas pueden repercutir de forma desproporcionada en determinados grupos de población y propiciar un aumento de la desigualdad. Para diseñar políticas públicas que reactiven la economía desde el punto de vista de la accesibilidad financiera, es necesario identificar a esa población en situación de fragilidad. En base a una encuesta realizada a escala nacional, este estudio establece los perfiles de trabajadores más vulnerables y las características socio-demográficas y económicas que determinan la demanda por crédito en los sectores laborales más frágiles del Ecuador en la crisis del COVID-19.Los resultados muestran que los principales determinantes son no tener ahorros ni vivienda propia, tener deudas y una disminución de ingresos. A este grupo vulnerable corresponden los profesionales dedicados a la enseñanza y autónomos o pertenecientes a organizaciones de la Economía Popular Solidaria (EPS) que actúan principalmente en el comercio al por menor u otras actividades de servicios.Es imprescindible reforzar los sistemas de protección social, diseñar instrumentos financieros para apoyar a quienes más lo necesitan, a través de la creación y diversificación de líneas especiales de crédito ajustadas a diferentes perfiles de vulnerabilidad.Banco Central del Ecuador2022-06-30info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtículos de Investigaciónapplication/pdftext/htmlhttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/31510.47550/RCE/32.1.1Cuestiones Económicas; Vol. 32 Núm. 1 (2022): Revista Cuestiones Económicas; Autor: Adriana Uquillas2697-33672697-3367reponame:Revista Cuestiones Económicasinstname:Banco Central del Ecuadorinstacron:BCEspahttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/315/303https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/315/319info:eu-repo/semantics/openAccess2022-08-02T16:09:31Zoai:estudioseconomicos.bce.fin.ec:article/315Portal de revistashttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCEOrganismo de gobiernowww.bce.fin.echttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/oaiEcuadoropendoar:2022-08-02T16:09:31falsePortal de revistashttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCEOrganismo de gobiernowww.bce.fin.echttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/oaiEcuadoropendoar:2022-08-02T16:09:31Revista Cuestiones Económicas - Banco Central del Ecuadorfalse |
| spellingShingle | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? Uquillas, Adriana Credit demand COVID-19 snowball sampling financial inclusion COVID-19 Inclusión Financiera Demanda de crédito muestreo bola de nieve |
| status_str | publishedVersion |
| title | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? |
| title_full | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? |
| title_fullStr | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? |
| title_full_unstemmed | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? |
| title_short | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? |
| title_sort | Demand for credit in Ecuador: which workers most urgently need a credit to reactivate their economy in the context of the COVID-19 health crisis? |
| topic | Credit demand COVID-19 snowball sampling financial inclusion COVID-19 Inclusión Financiera Demanda de crédito muestreo bola de nieve |
| url | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/315 |