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This paper aims to determine causal relationships between the level of productive credit, real deposits and money demand – all of them in real terms – and Gross National Product between 2006 and 2020.

The vector autoregressive technique (VAR) was used, where data from real macroeconomic aggregates published by the Central Bank of Ecuador (BCE) are correlated, such as productive credit, gross domestic product (GDP) per capita, deposits and money demand.

The results indicate that there is no causal relationship, in the Granger sense, between GDP and financial activity, but there is between the growth rate of real money demand per capita and the growth rate of total real deposits per capita.

The study shows that bank credit mainly finances the operations of current assets and/or liabilities. In addition, economic agents use the banking system mainly to carry out transactional and precautionary activities.

The purpose of this study is to identify and evaluate the primary constraints that quantity surveying firms in Nigeria encounter while integrating indoor environmental quality (IEQ) principles into building designs.

The study used a quantitative approach by administering a well-structured questionnaire to 114 quantity surveyors. The collected data were analyzed using methods such as frequencies, percentages, mean item scores, Kruskal–Wallis test and exploratory factor analysis.

The top five ranked constraints were limited access to funding or financing options, limited availability of green materials, limited availability of insurance for sustainable buildings, limited availability of sustainable design resources and limited diversity and inclusivity within the design profession. Based on the factor analysis, the study identified six clusters of constraints: structural-related constraints, technical-related constraints, financial-related constraints, capacity-related constraints, legal-related constraints and culture-related constraints.

This study has several practical implications for quantity surveying firms, policymakers and industry stakeholders involved in building design and construction in Nigeria. The findings of this study can also inform future research on the integration of IEQ principles into building designs.

By identifying and structuring the clusters of constraints faced by quantity surveying firms in Nigeria when implementing IEQ principles, this study provides a novel approach to understanding the challenges associated with IEQ implementation in the building sector. This understanding can guide policymakers, industry stakeholders and quantity surveying firms in developing effective strategies to overcome these constraints and promote IEQ principles in building design and construction.