Microcredit, Gender and Geography. Case of Banecuador

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.