Análisis del sobreendeudamiento con tarjetas de crédito del segmento D y E en la ciudad de Santo Domingo de los Tsáchilas, año 2023

Abstract

The objective of this research was to analyze over-indebtedness linked to the use of credit cards in segments D and E of Santo Domingo de los Tsáchilas. This study adopted an integral approach that merges qualitative and quantitative elements to understand this financial problem. Following the guidelines outlined, an in-depth bibliographic research was undertaken that involved a review of previous studies and research on over-indebtedness in the D and E segments. Through this review, the crucial factors contributing to their situation were identified. This analysis provided a solid foundation for the conclusions and subsequent analysis. Quantitative and qualitative data acquired through surveys of credit card users in segments D and E were also analyzed. This phase of the study gave a detailed and nuanced view of the particularities of over-indebtedness, revealing objective aspects and hidden nuances, consumption habits and individual perspectives. Considering the results of these combined approaches, the overall purpose of this research is fully achieved: to develop a comprehensive analysis of credit card over-indebtedness in this specific population. Through the specific objectives, a complete and profound vision of the factors underlying this financial problem has been achieved. In summary, this study contributes greatly to the understanding of over-indebtedness in segments D and E of Santo Domingo de los Tsáchilas. The convergence of qualitative and quantitative methods has endowed the analysis with a comprehensive wealth of factors, laying a robust foundation for proposing preventive and corrective measures to effectively address this challenge for the benefit of the population studied and the community as a whole