El crédito es un acuerdo en el que se recibe dinero con el propósito de adquirir bienes o servicios con el compromiso de pagarlo a una fecha futura. En todas las economías, el crédito juega un papel fundamental en el sentido que permite a los agentes económicos llevar a cabo sus proyectos de inversión o satisfacer sus necesidades de consumo, apuntalando así el desarrollo y la satisfacción de las necesidades humanas.
En República Dominicana, entre 2004 y 2014, el crédito otorgado por la Banca Múltiple acumuló un crecimiento real de 213.4%. Dicha tasa supera en 2.6 veces al crecimiento real acumulado de la economía dominicana (82.5%). Para 2014, la cartera de crédito total de los Bancos Múltiples alcanzó un monto de RD$620,087 millones representando el 86% de la cartera de crédito del sistema financiero consolidado.
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