Hello, dear community.
Hive Ecuador.
Today I want to talk to you about an issue that seems to be causing concern among citizens in the country.
This photo is for reference only; I found it on Google.
Although the authorities of this financial institution have apparently already given an interview and publicly announced that they are not bankrupt, people's concern and desperation to withdraw their money from this institution are growing.
Long lines at banks and ATMs, and mobile banking has many flaws; apparently, there is no system.
This concern is normal, since years ago I remember something happened that they called a "bank holiday."
In which...
Literally, they wrote off the savings of a large portion of the population, many of whom never recovered financially or psychologically; they fell into depression.
Today, my sister called me, very worried, to tell me she was going to the bank to withdraw some money she had saved there.
It wasn't much, but it was obviously hard to save, and she didn't want to lose it.
I was returning from Guayaquil from a medical appointment with my son.
So I told her I'd go to the ATM later to see if I could withdraw the money I'd also saved.
It's not much, but it'll do the trick.
I'm wondering...
And are you going to withdraw what you say you have in cryptocurrency???
To which I replied NO.
As my friend 
Well, she didn't say anything to this answer... 🙂
Indeed, I later went to an ATM to try to withdraw my money, but I couldn't because I don't have an ATM card. Every time I've withdrawn money, it's always been through a text message with a code sent to my cell phone.
This time, it didn't work, so I logged into mobile banking, and after several attempts, I was able to transfer my funds to another account at another financial institution that I use occasionally.
My sister went to the bank's offices in La Libertad and found out that they were telling people trying to withdraw their funds that there was no system, but people who came to pay off a bank loan were admitted.
So!!
There's no system for withdrawing? And for paying? 🤔
That's weird, right?
My sister also told me that the ATMs were full.
Well, what I think about this is that they'll be like this until the ATMs run out of money, and then the real chaos will begin.
It's OBVIOUS that no bank has the money of the people who save in their institutions!!
That's not how it works!!
They lend the money that people save and then earn high interest when they finish paying off the loan.
So the answer is NO, the bank doesn't have the money it claims to have.
In the course of the days, if people continue withdrawing their money like they're trying to do, the bank will declare bankruptcy. But it's not because the money doesn't exist, it's because they have it distributed in different loans.
But hey, that's part of the system...
Okay, I think that's all I've told you about what's happening to people and the concerns of everyone who has money in this bank.
Thanks for reading and commenting.
Hola querida comunidad.
Hive ecuador.
Hoy les quiero hablar de un tema que al parecer esta dando preocupacion a los ciudadanos en el pais
Esta foto es referencial la consegui en google.
Ahunque aparentemente las autoridades de esta institucion financiera ya dio una entrevista y dio a conocer publicamente que no estan en quiebra, la preocupacion de las personas y desespero por retirar su dinero de dicha institucion no se hace esperar.
Largas filas en los bancos, en los cajeros automaticos, y pues la banca movil presenta muchas falencias, aparentemente no hay sistema.
Es normal esta preocupacion ya que hace años atras recuerdo que paso algo que llamaron "feriado bancario".
En la cual.
Literarmente, dieron por perdido los ahorros de una gran parte de la poblacion, de los cuales muchos nunca se recuperaron economicamente, ni psicologicamente, entraron en depresion.
Hoy mi hermana me llamo muy preocupada a decirme que estaba viajando al banco a retirar algo de dinero que tenia ahorrado ahi.
Que no era mucho pero que es obvio le costo mucho ahorrarlo y pues no lo quiere perder..
Yo estaba regresando de guayaquil de una cita medica con mi hijo.
Asi que le dije que yo despues iria al cajero a ver si podia retirar el dinero que tambien tenia guardado.
No es que sea mucho pero me sirve..
Me pregunto...
Y vas a sacar lo que dices que tienes en la criptomoneda???
A lo cual le responodi que NO.
Como diria mi amigo
Bien ella no dijo nada a esta respuesta.. 🙂
Efectivamente luego fui a un cajero a tratar de retirar mi dinero pero no lo pude hacer, pues no tengo una tarjeta para el cajero, siempre que he retitado ha sido por un sms de un codigo que llega a mi celular.
Esta vez no funciono, asi que ingrese a la banca movil y despues de varios intentos pude transferir mis fondos a otra cuenta en otra institucion financiera q suelo utilizar de vez en cuando.
Mi hermana viajo a las oficinas del banco en la libertad y se topo con la novedad de que les decian a las personas que trataban de retirar sus fondos que no habia sistema, pero a las personas que se acercaban a cancelar alguna letra de prestamo bancario si entraban.
Entonces!!
Para retirar no hay sistema? Y para pagar si? 🤔
Que raro verdad?
Mi hermana me decia tambien que los cajeron estaban full.
Bueno lo que pienso de eso es que van a estar asi hasta que se termine el dinero de los cajeros y pues ahi si empezara el verdadero caos.
Es OBVIO que ningun banco tiene el dinero de las personas que ahorran en sus instituciones!!
Asi no es como funciona!!
Ellos prestan el dinero que las personas ahorran y pues ganan intereses altos al momento que finalicen de pagar dicho prestamo.
Asi que la respues es NO, el banco no tiene el dinero que dice tener.
En el transcurso de los dias si las personas siguen retirando su dinero como lo estan tratando de hacer el banco se va ha declarar en bancarrota, pero no es porque el dinero no exista, es porque los tienen distribuido en diferentes prestamos.
Pero bueno eso es parte de el sistema...
Ok creo que hasta ahi les cuento lo que esta pasando con las personas y la preocupacion que tienen todos los que tienen dinero en este banco.
Gracias por leer y comentar.