[ El impacto económico en la Banca de Guayaquil sobre las medidas de alivio financiero adoptadas frente al Covid-19 durante el periodo 2019 vs 2020 ]
Volume 36, Issue 3, June 2022, Pages 645–652
Mabel Elizabeth Barriga Pizarro1, Angie Briggett Monar Colina2, Ligner Cesibel Rosel Lucio3, and Raquel Aracely Asunción Parrales4
1 Instituto Tecnológico Superior Juan Bautista Aguirre, Daule, Ecuador
2 Jefe de la Unidad de Mantenimiento e Infraestructura, Instituto Superior Tecnológico « Juan Bautista Aguirre », Ingeniera en Contabilidad y Auditoría, Daule, Ecuador
3 Departamento Administrativo-Financiero, Instituto Superior Tecnológico «Juan Bautista Aguirre», Daule, Ecuador
4 Instituto Tecnológico Superior Juan Bautista Aguirre, Daule, Ecuador
Original language: Spanish
Copyright © 2022 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
This article seeks to analyze the impact that the economic sector had, especially the banking sector in Guayaquil as a result of the health crisis caused by the Covid-19 pandemic. Therefore, the National Bank has had a significant impact on the credit granted to it, because the supervision of financial entities chooses to implement mechanisms to protect customers and protect the savings of depositors, branches and pensioners. Refinancing is an intervention, clients of many financial institutions attend this transaction to extend the payment of the card or credit they handle, it should be noted that each entity defines the interest rate according to the type of credit granted. These measures are expressed as restructuring, refinancing and deferred amortization of their existing debts, so they come into force 60 days after the end of the state of exception so that users could cancel their accounts. These guidelines remain valid until the country's economic recovery improves. The research was declared non-exploratory since we do not have control of the variables, therefore it has a descriptive and correlational scope, since we describe our variables and relate them to obtain a quantitative approach since we work with numerical and statistical data. The evolution of the credit portfolio has been analyzed in order to verify the economic impact suffered by the bank, to know the aforementioned data, the net profit accounts were also analyzed and, in turn, the payment of income tax since it is It is important to know the impact that this had on the treasury.
Author Keywords: Bank, Covid-19, Ecuador, Finances. Money.
Volume 36, Issue 3, June 2022, Pages 645–652
Mabel Elizabeth Barriga Pizarro1, Angie Briggett Monar Colina2, Ligner Cesibel Rosel Lucio3, and Raquel Aracely Asunción Parrales4
1 Instituto Tecnológico Superior Juan Bautista Aguirre, Daule, Ecuador
2 Jefe de la Unidad de Mantenimiento e Infraestructura, Instituto Superior Tecnológico « Juan Bautista Aguirre », Ingeniera en Contabilidad y Auditoría, Daule, Ecuador
3 Departamento Administrativo-Financiero, Instituto Superior Tecnológico «Juan Bautista Aguirre», Daule, Ecuador
4 Instituto Tecnológico Superior Juan Bautista Aguirre, Daule, Ecuador
Original language: Spanish
Copyright © 2022 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
This article seeks to analyze the impact that the economic sector had, especially the banking sector in Guayaquil as a result of the health crisis caused by the Covid-19 pandemic. Therefore, the National Bank has had a significant impact on the credit granted to it, because the supervision of financial entities chooses to implement mechanisms to protect customers and protect the savings of depositors, branches and pensioners. Refinancing is an intervention, clients of many financial institutions attend this transaction to extend the payment of the card or credit they handle, it should be noted that each entity defines the interest rate according to the type of credit granted. These measures are expressed as restructuring, refinancing and deferred amortization of their existing debts, so they come into force 60 days after the end of the state of exception so that users could cancel their accounts. These guidelines remain valid until the country's economic recovery improves. The research was declared non-exploratory since we do not have control of the variables, therefore it has a descriptive and correlational scope, since we describe our variables and relate them to obtain a quantitative approach since we work with numerical and statistical data. The evolution of the credit portfolio has been analyzed in order to verify the economic impact suffered by the bank, to know the aforementioned data, the net profit accounts were also analyzed and, in turn, the payment of income tax since it is It is important to know the impact that this had on the treasury.
Author Keywords: Bank, Covid-19, Ecuador, Finances. Money.
How to Cite this Article
Mabel Elizabeth Barriga Pizarro, Angie Briggett Monar Colina, Ligner Cesibel Rosel Lucio, and Raquel Aracely Asunción Parrales, “The economic impact on the Bank of Guayaquil on the financial relief measures adopted against Covid-19 during the period 2019 vs 2020,” International Journal of Innovation and Applied Studies, vol. 36, no. 3, pp. 645–652, June 2022.
