Determinantes en la prevención del riesgo de lavado de activos y financiamiento del terrorismo en el sector comercial informal de la ciudad de Guayaquil

Abstract:

Due to its geographical location, Ecuador is considered a country that is very vulnerable to criminal organizations dedicated to money laundering and financing of terrorism LA / FT, and one of the sectors of greatest preference is informal commerce due to the shielding adopted by the banking sector. One of the representative informal trade zones in the country and historically recognized is the Bay of the city of Guayaquil, where large volumes of cash are introduced without efficient control. Consequently, the objective of this paper is to analyze the determinants in the prevention of the risk of illicit activities in said area. For this purpose, a methodology of qualitative approach was used to gather information on the determinants. The study was not experimental; because the variables were not manipulated, and their descriptive scope. Interviews were conducted with the federation's informal merchants with more partners in the area, who concluded that the most relevant determinants in the prevention of ML / TF risk are customer characteristics, suppliers, location and operation of the distribution channels. On the other hand, the quanlitative analysis concluded that there is a direct relationship between the growth of the informal commercial sector and the ML / FT risk, but statistically insignificant.

Año de publicación:

2019

Keywords:

• SECTOR COMERCIAL INFORMAL
• FINANCIAMIENTO DEL TERRORISMO
• Lavado de activos
• PREVENCIÓN DE RIESGO

Fuente:

rraae