Abstract

ARIAS COLLAGUAZO, Wilmer Medardo; MALDONADO GUDINO, Carlos Wilman  and  ARCINIEGAS PASPUEL, Olga Germania. Analysis of the perception of policies and principles to avoid over-indebtedness in financial institutions in the canton of Ibarra, Ecuador. Dilemas contemp. educ. política valores [online]. 2021, vol.8, n.spe3, 00047.  Epub Aug 30, 2021. ISSN 2007-7890.  https://doi.org/10.46377/dilemas.v8i.2728.

The health emergency due to COVID 2019 has had a great impact on the economy, production and finances. In this context, the investigation was raised, how users are accessing a loan and if the policies and procedures of financial institutions are maintained under the principles of customer protection. A quali-quantitative investigation was designed where user perceptions were collected. The results show that the Ecuadorian financial system in most of its institutions and entities are applying the principle of client protection, mainly in the application of policies of not over-indebtedness, although there is a need to work with young groups in education financial and policy socialization.

Keywords : politics; law and economics; finance and commerce; financial policy.

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