<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2683-2690</journal-id>
<journal-title><![CDATA[The Anáhuac journal]]></journal-title>
<abbrev-journal-title><![CDATA[The Anáhuac j.]]></abbrev-journal-title>
<issn>2683-2690</issn>
<publisher>
<publisher-name><![CDATA[Universidad Anáhuac del Sur S.C., Facultad de Economía y Negocios]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2683-26902025000200107</article-id>
<article-id pub-id-type="doi">10.36105/theanahuacjour.2025v25n2.3018</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Análisis de los factores económicos que influyen en la morosidad de los créditos de consumo en la banca privada ecuatoriana, entre 2020 y 2023]]></article-title>
<article-title xml:lang="en"><![CDATA[Analysis of the Economic Factors Influencing Consumer Loan Delinquency in the Ecuadorian Private Banking Sector, 2020-2023]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Zavala López]]></surname>
<given-names><![CDATA[Pamela]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Yuquilima Chitacapa]]></surname>
<given-names><![CDATA[José]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ordóñez Parra]]></surname>
<given-names><![CDATA[Yanice Licenia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Zamora Zamora]]></surname>
<given-names><![CDATA[Geovanny]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Católica de Cuenca  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<volume>25</volume>
<numero>2</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2683-26902025000200107&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2683-26902025000200107&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2683-26902025000200107&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de esta investigación es analizar el impacto de los factores económicos en la morosidad de los bancos privados en Ecuador entre 2020-2023, debido al alto riesgo que enfrentan en los créditos de consumo por la incapacidad de pago de sus clientes. Para este análisis se aplica una metodología explicativa, con enfoque cuantitativo, apoyada en la estadística descriptiva, la correlación de Pearson y el diseño longitudinal de datos para el período indicado. Los hallazgos indican que la tasa de desempleo presenta una relación negativa, de moderada a fuerte, con la morosidad; la inflación muestra una correlación débil y no significativa; y, en el producto interno bruto (PIB), la correlación es negativa. Por último, se identifican interrelaciones moderadas entre las variables macroeconómicas: negativa entre la inflación y el desempleo; positiva entre la inflación y el PIB. Ello respalda la hipótesis inicial de que los factores económicos inciden de manera notable en la morosidad de los créditos de consumo.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective of this research is to analyze the impact of economic factors on consumer loan delinquency in private banks in Ecuador between 2020 and 2023, given the high risk these institutions face in consumer lending due to customers&#8217; inability to repay their debts. For this analysis, an explanatory methodology with a quantitative approach is used, supported by descriptive statistics, Pearson&#8217;s correlation coefficient, and a longitudinal panel data design for the specified period. The findings reveal that the unemployment rate has a moderate-to-strong negative relationship with delinquency; inflation shows a weak and statistically non-significant correlation; and the gross domestic product (GDP) shows a negative correlation with delinquency. Additionally, moderate interrelationships are identified among the macroeconomic variables: a negative relationship between inflation and unemployment, and a positive one between inflation and the GDP. These results support the initial hypothesis that economic factors have a significant influence on consumer loan delinquency rates.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Banca privada]]></kwd>
<kwd lng="es"><![CDATA[créditos de consumo]]></kwd>
<kwd lng="es"><![CDATA[morosidad]]></kwd>
<kwd lng="es"><![CDATA[factores económicos]]></kwd>
<kwd lng="es"><![CDATA[M21]]></kwd>
<kwd lng="es"><![CDATA[G21]]></kwd>
<kwd lng="es"><![CDATA[M41]]></kwd>
<kwd lng="en"><![CDATA[Private banking]]></kwd>
<kwd lng="en"><![CDATA[consumer credit]]></kwd>
<kwd lng="en"><![CDATA[delinquency]]></kwd>
<kwd lng="en"><![CDATA[economic factors]]></kwd>
<kwd lng="en"><![CDATA[M21]]></kwd>
<kwd lng="en"><![CDATA[G21]]></kwd>
<kwd lng="en"><![CDATA[M41]]></kwd>
</kwd-group>
</article-meta>
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