{"id":135465,"date":"2025-09-21T23:53:51","date_gmt":"2025-09-22T04:53:51","guid":{"rendered":"https:\/\/www.quebakan.com\/v15\/?p=135465"},"modified":"2025-09-21T23:53:51","modified_gmt":"2025-09-22T04:53:51","slug":"3-de-cada-10-ecuatorianos-estan-excluidos-del-credito","status":"publish","type":"post","link":"https:\/\/www.quebakan.com\/v15\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\/","title":{"rendered":"3 de cada 10 ecuatorianos est\u00e1n excluidos del cr\u00e9dito"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-135466\" src=\"https:\/\/www.quebakan.com\/v15\/wp-content\/uploads\/2025\/09\/Foto-AECOP.jpg\" alt=\"\" width=\"700\" height=\"467\" \/><\/p>\n<ul>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Con tasas de inter\u00e9s que superan el 12%, la compra programada se posiciona como opci\u00f3n segura y regulada en Ecuador<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Este modelo permite a m\u00e1s ecuatorianos acceder a su auto o vivienda sin endeudarse con la banca<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Quito, septiembre de 2025. \u2013<\/strong> En Ecuador, adquirir un veh\u00edculo o una vivienda sigue siendo un reto para miles de familias. Seg\u00fan la Red de Instituciones Financieras de Desarrollo (RFD), solo 3 de cada 10 ecuatorianos acceden a un cr\u00e9dito y el 27% de la poblaci\u00f3n adulta est\u00e1 excluida del sistema financiero, ya sea porque no logra acceder o porque no utiliza los productos disponibles.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">La situaci\u00f3n es a\u00fan m\u00e1s cr\u00edtica en grupos como mujeres, j\u00f3venes y adultos mayores, quienes enfrentan mayores barreras para financiar sus proyectos. Si bien el 71% de adultos mantiene una cuenta de ahorro, \u00fanicamente el 31% accede a cr\u00e9ditos, y m\u00e1s del 60% de ecuatorianos no ahorra de manera regular debido a la inestabilidad laboral y la falta de ingresos suficientes. Adem\u00e1s, del 40% que s\u00ed ahorra, solo el 26% lo hace dentro del sistema financiero formal.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">En este contexto, los mecanismos tradicionales como cr\u00e9ditos bancarios, hipotecarios y ahorros resultan insuficientes para responder a las necesidades reales de los hogares ecuatorianos. A ello se suma el costo del financiamiento: la tasa de inter\u00e9s efectiva promedio de los cr\u00e9ditos alcanz\u00f3 el 12,49% anual en marzo de 2025, seg\u00fan datos del Banco Central del Ecuador (BCE).<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Ante este escenario, la <strong>C\u00e1mara de Empresas de Compra Programada (AECOP)<\/strong> impulsa un modelo alternativo y legalmente regulado que permite a los ecuatorianos acceder a veh\u00edculos y viviendas sin necesidad de recurrir a cr\u00e9ditos bancarios ni hipotecarios.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">La compra programada se basa en la organizaci\u00f3n de grupos de personas que aportan mes a mes en un fondo com\u00fan. A trav\u00e9s de mecanismos de adjudicaci\u00f3n (sorteo, licitaci\u00f3n o puntaje), los participantes reciben sus bienes en plazos determinados, con respaldo legal y financiero garantizado por la normativa de la Superintendencia de Compa\u00f1\u00edas.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">\u201c<em>En un pa\u00eds donde 3 de cada 10 personas est\u00e1n excluidas del sistema financiero, la compra programada se convierte en una herramienta clave para democratizar el acceso a bienes de alto valor y mejorar la calidad de vida de miles de familias\u201d<\/em>, se\u00f1al\u00f3 Mauricio Pe\u00f1a, Director Ejecutivo de AECOP.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Con esta alternativa, la compra de un auto para trabajar, un departamento para la familia o una casa propia ya no depende exclusivamente de un cr\u00e9dito bancario ni de costosos intereses. La compra programada representa un camino viable, transparente y sostenible para quienes buscan cumplir sus metas sin quedar atrapados en las limitaciones del sistema financiero tradicional.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Con tasas de inter\u00e9s que superan el 12%, la compra programada se posiciona como opci\u00f3n segura y regulada en Ecuador Este modelo permite a m\u00e1s ecuatorianos acceder a su auto o vivienda sin endeudarse con la banca Quito, septiembre de 2025. \u2013 En Ecuador, adquirir un veh\u00edculo o una vivienda sigue siendo un reto para [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":135466,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"buzzeditor_post_format":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-135465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3 de cada 10 ecuatorianos est\u00e1n excluidos del cr\u00e9dito &#8211; QUEBAKAN.COM 2026: Noticias, Eventos, Conciertos y mucho m\u00e1s....<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.quebakan.com\/v15\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 de cada 10 ecuatorianos est\u00e1n excluidos del cr\u00e9dito &#8211; QUEBAKAN.COM 2026: Noticias, Eventos, Conciertos y mucho m\u00e1s....\" \/>\n<meta property=\"og:description\" content=\"Con tasas de inter\u00e9s que superan el 12%, la compra programada se posiciona como opci\u00f3n segura y regulada en Ecuador Este modelo permite a m\u00e1s ecuatorianos acceder a su auto o vivienda sin endeudarse con la banca Quito, septiembre de 2025. \u2013 En Ecuador, adquirir un veh\u00edculo o una vivienda sigue siendo un reto para [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.quebakan.com\/v15\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"QUEBAKAN.COM 2026: Noticias, Eventos, Conciertos y mucho m\u00e1s....\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/quebakan\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-22T04:53:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.quebakan.com\/v15\/wp-content\/uploads\/2025\/09\/Foto-AECOP.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"467\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Erick Villafuerte\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@quebakanec\" \/>\n<meta name=\"twitter:site\" content=\"@quebakanec\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Erick Villafuerte\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\\\/\"},\"author\":{\"name\":\"Erick Villafuerte\",\"@id\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/#\\\/schema\\\/person\\\/d90fa9f9cfa81eb8ace9811e5b7b9118\"},\"headline\":\"3 de cada 10 ecuatorianos est\u00e1n excluidos del cr\u00e9dito\",\"datePublished\":\"2025-09-22T04:53:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\\\/\"},\"wordCount\":459,\"publisher\":{\"@id\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/Foto-AECOP.jpg\",\"articleSection\":[\"Noticias\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\\\/\",\"url\":\"https:\\\/\\\/www.quebakan.com\\\/v15\\\/3-de-cada-10-ecuatorianos-estan-excluidos-del-credito\\\/\",\"name\":\"3 de cada 10 ecuatorianos est\u00e1n excluidos del cr\u00e9dito &#8211; 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