La presente investigación se realizó en la Universidad Nacional Mayor de San Marcos. El propósito fue determinar qué tipo de influencia podrían tener los cuestionarios virtuales on line en el rendimiento académico en el curso de Matemática I en los estudiantes que ingresaron dentro del área de Ciencias Económicas y de la gestión de la mencionada casa de estudios superiores, en el primer semestre académico del año 2018. El método aplicado en la investigación es cuasi experimental. Para este estudio, la población estuvo conformada por 1262 estudiantes, y la muestra estuvo conformada por dos aulas que sumaban 75 alumnos. Los instrumentos fueron declarados válidos mediante la técnica de juicio de expertos; luego, estos mismos fueron declarados confiables, por lo tanto, aplicables a la muestra, mediante los coeficientes de Kuder-Richardson (KR20= 0.61) y de Cronbach para el t...

By the law 29625 approved by referendum in late 2010, the return of contributions to FONAVI was approved. In early 2012, the Bar Association of Callao put an unconstitutional claim against it. The Constitutional Court on the judgment of File No. 0007-2012-PI / TC, October 2012, declared the unconstitutional claim unfounded and interprets Article 1 of the stated Act; the return of contributions to the fund individually and collectively, in the first case the contributions made by workers, in the second case the contributions made by their employers, the state and others, what is called “collective solidarity fund”. Therefore, the problem is how to separate the collective solidarity fund every month and every year from the total collective contributions to FONAVI obtained in each period. From November 1993 to August 1998 discriminating the amounts collected by the SUNAT, 2,129 million ...

The Peruvian financial market liberalization starting from 1991 facilitated in the subsequent years, 1993- 1997, the operation of new banks and financial companies to mainly meet the demand for consumer loans and of micro-enterprises. These banks expanded massively in a short time in low-income sectors. However, the size of the market and high costs for micro lending, even with high interest rates, moderated the expectations of more competition. Since 1998, ten newly arrived companies left from the local market due to bankruptcy, retreated to their country of origin or merged. The number of banks remained as before, but with a growing demand for consumer loans. On the demand side, the properties given in warranty by the defaulted borrowers were embargoed and auctioned, which reveals partially that the problem of low-income sectors is not liquidity but economic. To analyze the trends of c...

By the law 29625 approved by referendum in late 2010, the return of contributions to FONAVI was approved. In early 2012, the Bar Association of Callao put an unconstitutional claim against it. The Constitutional Court on the judgment of File No. 0007-2012-PI / TC, October 2012, declared the unconstitutional claim unfounded and interprets Article 1 of the stated Act; the return of contributions to the fund individually and collectively, in the first case the contributions made by workers, in the second case the contributions made by their employers, the state and others, what is called “collective solidarity fund”. Therefore, the problem is how to separate the collective solidarity fund every month and every year from the total collective contributions to FONAVI obtained in each period. From November 1993 to August 1998 discriminating the amounts collected by the SUNAT, 2,129 million ...

La liberalización del mercado financiero peruano a partir de 1991 facilitó en los años siguientes, 1993- 1997, la operación de nuevos bancos y empresas financieras para atender principalmente la demanda de créditos de consumo y de las microempresas, los cuales se expandieron masivamente en poco tiempo a los sectores de bajos ingresos. Sin embargo, el tamaño del mercado y los costos elevados para otorgar microcréditos, incluso con altas tasas de interés, moderó las expectativas de mayor competencia. A partir de 1998 diez empresas de las recién llegadas salieron del mercado local por quiebra, retiro a su país de origen o fusión, el número de bancos quedó como antes, pero con una demanda creciente de crédito de consumo. Por el lado de la demanda los bienes dados en garantía de los prestatarios morosos fueron embargados y rematados lo que revela, en parte, que el problema de ...

The problem with many members of the private system of pension in Peru, these days, is the election commission scheme to AFP, Law 29903 establishes two: a salary percentage, as is being done or a joint committee, formed with a decreasing percentage of the salary and another on the accumulated balance for 10 years, if the members does not choose until May 31th, the salary percentage, automatically most of them will pass to the mix plan of commission, experts warn. According to our estimates made in Section 3, the difference between the two plans would be minimal, imperceptible to most of the members because the AFP are free to raise or lower the annual fee on the accumulated balance to his will, the choice of members by one or another plan does not affect the freedom of AFP to modify the annual fee, according to market signals.

The problem with many members of the private system of pension in Peru, these days, is the election commission scheme to AFP, Law 29903 establishes two: a salary percentage, as is being done or a joint committee, formed with a decreasing percentage of the salary and another on the accumulated balance for 10 years, if the members does not choose until May 31th, the salary percentage, automatically most of them will pass to the mix plan of commission, experts warn. According to our estimates made in Section 3, the difference between the two plans would be minimal, imperceptible to most of the members because the AFP are free to raise or lower the annual fee on the accumulated balance to his will, the choice of members by one or another plan does not affect the freedom of AFP to modify the annual fee, according to market signals.