La morosidad: factores motivacionales de los responsables financieros en el contexto del COVID – 19, Cantón Chimbo, Bolívar, 2020.

In 2019, the Ecuadorian economy presented a significant fiscal deficit and stagnation of economic growth around 0.05% of national GDP compared to 2018, social problems such as protests against the economic measures that occurred in October 2019, demonstrating discontent of the population, were triggers to weaken the financial system. The situation begins to get complicated, since, in mid-March 2020, the National Government declared the country in a state of exception due to the global pandemic of COVID-19, blocking economic activities and work in person, involving two processes saving the lives of millions of Ecuadorians and making the national economy even more precarious, by stopping economic activity and working hours. At present, many companies lose their capital due to lack of liquidity. For this reason, this research identifies the motivational factors for delaying of the financial managers, in the savings and credit cooperatives San Jose Ltda and Juan Pio De Mora of the Chimbo canton, in the context of COVID-19. It was applied a qualitative phenomenological methodology, determining motivational factors for not paying obligations on time, generating delaying, such as debts in financial institutions, suspension of economic activities, job layoffs, economic instability. Finally, it is concluded that delaying is an important factor because it allows financial institutions their credit performance and immediate solutions.