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Microcredit, Gender and Geography. Case of Banecuador

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Management, Tourism and Smart Technologies (ICMTT 2023)

Part of the book series: Lecture Notes in Networks and Systems ((LNNS,volume 774))

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Abstract

This article investigates the factors to access to credit of the largest public bank in Ecuador. The methodology includes a logistic regression model to a database corresponding to loan applications from associations of the Popular and Solidarity Economy of Ecuador during the period 2016–2019. The estimates show that the unsecured guarantee, belonging to the tertiary sector, being located in a rural environment and the sex of the loan officer influence the access to financing. In the first place, it was found that the businesses that belong to the tertiary sector show a higher statistically significant probability for the granting of credit, this is in accordance with the business structure of Ecuador where most of the companies are part of this sector.

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Author information

Authors and Affiliations

  1. Universidad Técnica Particular de Loja, Loja, Ecuador

    Aurora Samaniego-Namicela & Reinaldo Armas-Herrera

Authors
  1. Aurora Samaniego-Namicela
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  2. Reinaldo Armas-Herrera
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Corresponding author

Correspondence to Aurora Samaniego-Namicela .

Editor information

Editors and Affiliations

  1. Universidad Distrital Francisco José de Caldas, Bogota, Colombia

    Carlos Montenegro

  2. ISEG, Universidade de Lisboa, Lisbon, Portugal

    Álvaro Rocha

  3. Departamento de Informática, University of Oviedo, Oviedo, Spain

    Juan Manuel Cueva Lovelle

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Samaniego-Namicela, A., Armas-Herrera, R. (2024). Microcredit, Gender and Geography. Case of Banecuador. In: Montenegro, C., Rocha, Á., Cueva Lovelle, J.M. (eds) Management, Tourism and Smart Technologies. ICMTT 2023. Lecture Notes in Networks and Systems, vol 774. Springer, Cham. https://doi.org/10.1007/978-3-031-43733-5_20

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