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\put(23.8347,-400.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}producido por efectos de la pandemia }
\put(175.5547,-400.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ocasionada por el COVID- 19, pues al existir una elevada }
\put(406.8547,-400.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}tasa }
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\put(183.0047,-424.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}dejando como resultado}
\put(280.2247,-424.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} una elevada }
\put(335.2247,-424.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}cartera }
\put(365.7647,-424.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}morosa en las }
\put(23.8347,-436.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}entidades financieras del país.}
\put(23.8347,-484.3179){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ABSTRACT}
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\put(42.9147,-502.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}mai}
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\put(66.4447,-502.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}problem }
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\put(158.6747,-502.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}currently }
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\put(375.3847,-502.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}institutions, }
\put(23.8347,-514.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}caused }
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\put(81.0047,-514.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}high unemployme}
\put(153.5847,-514.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}nt rate }
\put(181.5147,-514.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}generated }
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\put(250.3447,-514.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}pandemic. }
\put(294.2947,-514.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}For this reason, this article }
\put(403.5647,-514.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}aims }
\put(23.8347,-526.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}to establ}
\put(57.57471,-526.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ish the behavior of delinquency at the level of the banking system in Ecuador}
\put(367.9847,-526.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}, analyzes the }
\put(23.8347,-538.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}background that}
\put(88.7847,-538.317){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} cause the high variations in the delinquency curve, a comparison is made between }
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\put(377.4546,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}registrando }
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\put(40.7946,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}tasa }
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\put(131.9446,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}4.1\% }
\put(155.2946,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}el }
\put(165.0246,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}cual }
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\put(314.5246,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}1.1 }
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\put(57.00459,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}De acuerdo con }
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\put(157.6346,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}NCA}
\put(178.2046,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} (2020), este }
\put(232.4546,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}incremento }
\put(280.6146,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}se dio porque se culminó }
\put(386.5046,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}el }
\put(396.9046,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}estado }
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\put(178.2446,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Resoluciones }
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\put(419.9546,-199.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}. }
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\put(36.0346,-211.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}tema }
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\put(196.4346,-211.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}(2005) }
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\put(145.1746,-271.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}y }
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\put(176.2946,-271.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}y }
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\put(23.8346,-367.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}sanitaria produjo en la banca y como la morosidad creció desmesuradamente }
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\put(23.8346,-463.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}interpretaciones de resultados el comportamiento de la morosidad en el Ecuador}
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\put(46.4346,-487.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ODOLOGÍA}
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\put(337.2446,-511.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}fue el Descriptivo el }
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\put(356.0446,-535.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Adicionalmente, }
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\put(59.9646,-547.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} que el análisis está enmarcado en el sistema bancario del Ecuador}
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\put(36.7246,-559.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}interpretación}
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\put(23.8346,-571.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Financiero Nacional y de algunas entidades reguladoras del mismo, de igual forma se utilizó }
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\put(113.0546,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}fue }
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\put(305.6846,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}observación. }
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\put(23.8346,-43.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}se utilizó }
\put(64.1646,-43.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}datos con cortes mensuales y trimestrales }
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\put(23.8346,-67.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}improductiva etc., se utiliza indicadores que permiten el cálculo de los mismos.}
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\put(340.2746,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}índice }
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\put(380.1147,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}morosidad }
\put(23.8346,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}y desempleo en el periodo dici}
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\put(357.6946,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}año }
\put(374.8746,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2019, }
\put(400.1146,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}como }
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\put(115.3778,-187.9493){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Figura 1. Comparativo entr}
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\put(229.5138,-187.9493){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}osidad y desempleo a Dic2019}
\put(23.8346,-367.9493){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}              Fuente: Banco Central del Ecuador}
\put(173.0186,-367.9493){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} }
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\put(96.62459,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Nro. }
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\put(169.4946,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}como }
\put(194.3046,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}el }
\put(204.1146,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Ecuador }
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\put(263.1546,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}el }
\put(272.9646,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}año }
\put(290.0046,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2019 }
\put(312.6046,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}en }
\put(324.6346,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}morosidad }
\put(369.4446,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}y }
\put(377.0446,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}desempleo, }
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\put(44.8146,-403.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ello }
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\put(272.7446,-403.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}año }
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\put(377.1246,-415.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}a }
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\put(23.8346,-427.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}préstamos que tienen cuotas vencidas, refinanciadas, y un 3.8\% de desempleo a nivel nacional.}
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\put(264.6046,-451.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2019 }
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\put(329.4446,-463.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que este incremento }
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\put(168.7446,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}mercado }
\put(205.9346,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}laboral }
\put(236.4646,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}sobre todo }
\put(281.4446,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ciudadanía }
\put(327.5246,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}venezolana }
\put(375.2646,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que }
\put(392.4746,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}llego }
\put(415.2346,-475.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}al }
\put(23.8346,-487.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}país en busca de mejores oportunidades, sin dejar de lado que ya contábamos con ciudadanos sin un }
\put(23.8346,-499.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}lugar de trabajo.}
\put(23.261,-8.762512){\fontsize{6.999983}{1}\usefont{T1}{ptm}{m}{n}\selectfont\color{color_29791}Morosidad del sistema bancario producido por efectos de la pandemia\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_}
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\put(86.3446,-31.78821){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Figura 2. Comportamiento de la mor}
\put(212.4086,-31.78821){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}osidad en el periodo ener}
\put(297.6006,-31.78821){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}o-septiembr}
\put(338.3366,-31.78821){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}e 2020}
\put(23.8346,-223.7882){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}    }
\put(33.8346,-223.7882){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}        Fuente: }
\put(77.6106,-223.7882){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Asobanca}
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\put(70.98459,-248.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}figura }
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\put(151.9246,-248.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}comportamiento }
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\put(244.4146,-248.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}morosidad }
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\put(313.5946,-248.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2020 }
\put(337.0346,-248.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}fue }
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\put(161.0246,-260.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}sistema }
\put(193.7246,-260.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}financiero }
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\put(280.6946,-260.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}incremento }
\put(328.3846,-260.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}del }
\put(343.3046,-260.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}0.25\% }
\put(371.8446,-260.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}con }
\put(388.9846,-260.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}respecto }
\put(23.8346,-272.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}a diciembre }
\put(73.64459,-272.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2019, el mes siguiente aumenta }
\put(202.9146,-272.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}aún más y para marzo se ve una baja }
\put(353.7446,-272.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}notable }
\put(385.8746,-272.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que pude }
\put(23.8346,-284.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}asociarse al pago de utilidades en el sector privado.}
\put(23.8346,-308.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} }
\put(57.00459,-308.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Los meses más críticos}
\put(151.9246,-308.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} de la pandemia, }
\put(223.2046,-308.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}marzo abril y mayo empezó }
\put(341.3946,-308.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}nuevamente }
\put(393.0246,-308.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}un alza }
\put(23.8346,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}en la morosidad y esto ya tiene }
\put(162.1746,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}como }
\put(188.6046,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}resultado }
\put(229.4746,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}el alza }
\put(261.2146,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}desmesurada }
\put(317.0746,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}del desempleo }
\put(380.4846,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}factor }
\put(408.0146,-320.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que }
\put(23.8346,-332.7331){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}analizaremos en la siguiente tabla.}
\put(80.3095,-354.3331){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Figura 3. Comportamiento del desempleo en los meses mayo-junio y septiembr}
\put(348.3575,-354.3331){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}e 202}
\put(23.8346,-540.5755){\fontsize{8}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}               Fuente: Instituto nacional de Estadísticas y Censo}
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\put(57.00459,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}La }
\put(69.4446,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}presente }
\put(104.6546,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}figura }
\put(129.8846,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}3 }
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\put(197.4546,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}(INEC, }
\put(228.5146,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2020), }
\put(256.2446,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}para }
\put(275.3446,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}los }
\put(288.9146,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}meses }
\put(315.2446,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}de }
\put(326.5746,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}mayo }
\put(350.6846,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}y }
\put(357.5846,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}junio }
\put(380.0346,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}el }
\put(389.1446,-562.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Ecuador }
\put(23.8346,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}registro }
\put(57.1246,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}un }
\put(69.8646,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}13.3\% }
\put(98.4346,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}de }
\put(110.6146,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}desempleo}
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\put(156.1246,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}lo }
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\put(183.8246,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}represento }
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\put(243.1746,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}total }
\put(263.6846,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}de }
\put(275.8646,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}la }
\put(285.8246,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}población }
\put(327.9946,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}económicamente }
\put(398.4746,-574.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}activa }
\put(23.8346,-586.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}alrededor de un millón de desempleados, estos fueron los meses más críticos por los que atravesó }
\put(23.8346,-598.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}el país debido a la pandemia, }
\put(145.3046,-598.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ya que hubo cierres de locales, se registró despidos debido a que las }
\put(23.8346,-610.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}empresas no podían remunerar a sus empleados, afectando consideradamente la situación del país.}
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\put(57.00459,-634.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Para el mes de septiemb}
\put(156.0146,-634.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}re las cifras cambiaron }
\put(251.6746,-634.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}positiva}
\put(283.3446,-634.1755){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}mente en el ámbito laboral ya que }
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\put(95.6246,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}6.6\% }
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\put(159.3546,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}de }
\put(171.9846,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}desempleo, }
\put(220.4446,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}debido }
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\put(276.1146,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}luego }
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\put(345.5246,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}crisis }
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\put(23.8346,-43.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Ecuador }
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\put(23.8346,-55.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}retornó parcialmente a las actividades cotidianas para poder reactivar la economía del país.}
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\put(57.00459,-79.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Cabe recalcar }
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\put(277.7846,-115.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}pero cabe indicar que la morosidad }
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\put(23.8346,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}al sistema económico, por tal motivo hay que optar por lineamien}
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\put(23.8346,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426},salud, y más aún aumentar los campos de empleo para de esta manera poder recuperar la cartera }
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\put(253.9446,-271.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}COVID }
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\put(335.0746,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}macroeconómicos }
\put(412.4546,-31.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}no }
\put(23.8346,-43.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}obstante el nuevo gobierno que se elegirá }
\put(195.6346,-43.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}en el 2021 deberá pensar en estrategias }
\put(357.9746,-43.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que impulsen al }
\put(23.8346,-55.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}emprendimiento, }
\put(94.64459,-55.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}generen fuentes de trabajo, disminuya el índic}
\put(280.3346,-55.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}e de desempleo y ya verán como el }
\put(23.8346,-67.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}indicador de morosidad disminuirá paulatinamente.}
\put(23.8346,-91.94928){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}CONCLUSIONES}
\put(23.8346,-115.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Luego de analiz}
\put(88.78459,-115.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ados y presentados los resultados del presente artículo, }
\put(314.4546,-115.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}se observa que la curva de }
\put(23.8346,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}morosidad tiene }
\put(90.0946,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}una relación }
\put(141.3446,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}directa }
\put(170.8546,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}al índice de desempleo, pues mientras }
\put(323.7946,-127.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}más alto es el desempleo }
\put(23.8346,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}más }
\put(43.3746,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}alto }
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\put(91.9846,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}indicador }
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\put(146.0446,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}morosidad, }
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\put(207.0646,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que }
\put(224.9346,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}al }
\put(235.5846,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}término }
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\put(285.7646,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}año }
\put(303.6346,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2019 }
\put(327.0645,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}se }
\put(338.8246,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}venía }
\put(363.9146,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}arrastrando }
\put(412.3246,-139.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}un }
\put(23.8346,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}porcentaje }
\put(70.1346,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}de }
\put(84.22459,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}desempleo }
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\put(148.5146,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}3.8\% }
\put(174.0046,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}lo }
\put(186.4446,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}cual }
\put(207.7546,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}significa }
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\put(274.2846,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}(INEC, }
\put(308.1046,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2020) }
\put(336.0946,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que }
\put(355.1846,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}15.000 }
\put(387.3446,-151.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}personas }
\put(23.8346,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}perdieron }
\put(65.4146,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}su }
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\put(159.2046,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}En }
\put(173.5746,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}relación }
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\put(237.2246,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}morosidad }
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\put(300.4046,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}aumentó }
\put(338.1046,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2.73\%, }
\put(369.6946,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}debido }
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\put(407.8746,-163.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}que }
\put(23.8346,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}disminuyó }
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\put(77.7846,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}capacidad }
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\put(131.6946,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}endeudamiento }
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\put(290.1846,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}alcanza }
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\put(341.8646,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}poder }
\put(366.8846,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}cubrir }
\put(393.0146,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}con }
\put(409.7046,-175.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}sus }
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\put(76.2146,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}financieras, }
\put(123.8746,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}lo }
\put(133.4946,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}cual }
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\put(268.0046,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2020. }
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\put(294.1846,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Si }
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\put(313.4246,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}población }
\put(354.7046,-187.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}económicamente }
\put(23.8346,-199.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}activa }
\put(49.7446,-199.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}está sin empleo los deudores tienen menos posibilidades de seguir afrontando sus }
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\put(295.4246,-211.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Además, }
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\put(236.8746,-223.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}pandemia }
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\put(391.9846,-223.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}pues se }
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\put(211.7246,-235.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}2020 el índice de desempleo fue superior en relación }
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\put(23.8346,-295.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}REFERENCIAS BIBLIOGRÁFICAS}
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\put(60.1546,-319.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}P}
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\put(69.2946,-319.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}B. }
\put(80.6446,-319.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}(201}
\put(98.6046,-319.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}1). }
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\put(385.178,-319.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}didáctica }
\put(23.8346,-331.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}de las matemáticas,}
\put(102.9899,-331.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} 13.}
\put(23.8346,-355.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ASOBANCA. }
\put(84.7346,-355.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}(2020). Sistema }
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\put(247.2746,-355.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ASOBA}
\put(281.1646,-355.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}NCA: https://datalab.asobanca.or}
\put(414.9046,-355.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}g.}
\put(23.8346,-367.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}ec/resources/site/terminos/Indicadores.pdf }
\put(23.8346,-391.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}Dávila, Q. C. (2009). Crisis económica y salud. }
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\put(60.6946,-415.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}R. D. (2020). Covid-19 y sus Implicaciones }
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\put(73.24471,-451.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426}J. D. (2020). J}
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\put(215.4948,-631.9493){\fontsize{10}{1}\usefont{T1}{cmr}{m}{n}\selectfont\color{color_63426} 24.}
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