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Tópicos Sugeridos dentro de su búsqueda.
1
artículo
Publicado 2021
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In Peru, the public agrarian bank arose from the hand of the agro-export landowners and it was to them that it dedicated its greatest efforts for 40 years. In the next two decades, this bank accompanied the beneficiaries of the radical agrarian reform of the 1970s, until it was liquidated in 1992. In the following ten years, the State had a marginal presence in agrarian credit without its absence being filled by the private financial system. With the new century, a new state bank was insisted, but without continuity in the policies, to date it painfully subsists. In all these years, the penetration of financial services in agriculture and rural areas has been very low. This persistence configures a market failure, an incomplete market that coexists with a highly concentrated bank, with its back to one of the most dynamic sectors of the economy.
2
artículo
Publicado 2021
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In Peru, the public agrarian bank arose from the hand of the agro-export landowners and it was to them that it dedicated its greatest efforts for 40 years. In the next two decades, this bank accompanied the beneficiaries of the radical agrarian reform of the 1970s, until it was liquidated in 1992. In the following ten years, the State had a marginal presence in agrarian credit without its absence being filled by the private financial system. With the new century, a new state bank was insisted, but without continuity in the policies, to date it painfully subsists. In all these years, the penetration of financial services in agriculture and rural areas has been very low. This persistence configures a market failure, an incomplete market that coexists with a highly concentrated bank, with its back to one of the most dynamic sectors of the economy.
3
artículo
Publicado 2015
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The first part of the article seeks to highlight the importance that increasingly electronic trading experience in the field of financial services, and as a result of that the new expressions that arise in providing financial transactions through a conceptual distinction of services and financial channels. In this context, new challenges for the industry players requiring them continuing specialization and innovation in product design, in order to satisfy the current demands ofconsumers who have configured one profile increasingly informed, sophisticated technology in making their consumption decisions.In the second part of the article, I will describe the local regulation which applies to electronic contracting in comparison with the regulation that applies to the traditional contracting which use printed information and oral presentations. This section identifies also the main r...
4
tesis doctoral
Publicado 2023
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Purpose: To analyze the determinants of access to and use of formal financial services through the banking correspondent channel on the development of enterprises in rural areas of Ecuador. Method: Qualitative case study methodological strategy. Eighteen rural communities of the Coast and Highlands of Ecuador were studied. A thematic analysis was carried out to identify and analyze recurring patterns within the data. themes and sub-themes were categorized, allowing for the exploration of underlying meanings of interviews. Through an inductive analysis in Atlas.ti 9. The concepts identified in the interviews and the researcher's files were reviewed and the results were compared with the theoretical assumptions specified in the literature. Results: The main new contribution of this research to the business management knowledge of this research was the following: This study showed that ther...
5
tesis doctoral
Publicado 2023
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Purpose: To analyze the determinants of access to and use of formal financial services through the banking correspondent channel on the development of enterprises in rural areas of Ecuador. Method: Qualitative case study methodological strategy. Eighteen rural communities of the Coast and Highlands of Ecuador were studied. A thematic analysis was carried out to identify and analyze recurring patterns within the data. themes and sub-themes were categorized, allowing for the exploration of underlying meanings of interviews. Through an inductive analysis in Atlas.ti 9. The concepts identified in the interviews and the researcher's files were reviewed and the results were compared with the theoretical assumptions specified in the literature. Results: The main new contribution of this research to the business management knowledge of this research was the following: This study showed that ther...
6
artículo
Publicado 2015
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The first part of the article seeks to highlight the importance that increasingly electronic trading experience in the field of financial services, and as a result of that the new expressions that arise in providing financial transactions through a conceptual distinction of services and financial channels. In this context, new challenges for the industry players requiring them continuing specialization and innovation in product design, in order to satisfy the current demands ofconsumers who have configured one profile increasingly informed, sophisticated technology in making their consumption decisions.In the second part of the article, I will describe the local regulation which applies to electronic contracting in comparison with the regulation that applies to the traditional contracting which use printed information and oral presentations. This section identifies also the main r...
7
artículo
Publicado 2022
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The development of a solid financial system that drives economic growth is of utmost importance to generate improvements in the levels of social welfare of a country or region. According to figures estimated by the National Institute of Statistics and Informatics (INEI), in the Arequipa region there is still a high percentage of people who do not use formal financial services. In this way, policies that promote financial inclusion emerge as a fundamental piece to provide equal opportunities for access to financial services in those households with low-income levels. For this reason, this article was for determine whether economic and sociodemographic aspects significantly influence access to financial services in households in the Arequipa region, using econometric models with binary dependent variables (logit and probit). The information comes from the National Household Survey (ENAHO),...
8
artículo
Publicado 2023
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Customer care quality and service satisfaction are important components to improve the relationship and communication with customers, and to generate customer loyalty. There is a growing number of competitors offering similar products and providing customized and prompt customer care, which influences customers in terms of generating loyalty. In this regard, the purpose of this article is to determine the relationship between the quality of customer care offered to members and satisfaction with financial services at a credit cooperative. The approach of the study is quantitative, and the design is non-experimental and transactional, while data collection is prolective because data comes from a primary source. Furthermore, data was collected by means of a survey and the instrument was a questionnaire, with reliability verified by Cronbach's Alpha, which reached 0.921 and 0.902 for the var...
9
artículo
Publicado 2017
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Purpose – This paper aims to present an analysis of the role of financial incentives, moral hazard and conflicts of interests leading up to the 2008 financial crisis. Design/methodology/approach – The study’s analysis has identified common structural flaws throughout the securitization food chain. These structural flaws include inappropriate incentives, the absence of punishment, moral hazard and conflicts of interest. This research sees the full impact of these structural flaws when considering their co-occurrence throughout the financial system. The authors address systemic defects in the securitization food chain and examine the inter-relationships among homeowners, mortgage originators, investment banks and investors. The authors also address the role of exogenous factors, including the SEC, AIG, the credit rating agencies, Congress, business academia and the business media. Fi...
10
tesis de maestría
Publicado 2024
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La investigación tuvo como objetivo general establecer de qué manera la imagen corporativa influye en el posicionamiento de la empresa Bill Financial Services S.A., Lima, 2022. La metodología fue de tipo básica, nivel explicativo, diseño no experimental, enfoque cuantitativo. La población fue 90 clientes. Se utilizó la encuesta. Respecto a los resultados, en cuanto a si identifica rápidamente los colores que representan a la empresa el 57.8% determinó que está totalmente en desacuerdo y en desacuerdo; en cuanto a si los trabajadores de la empresa mantienen un trato adecuado con usted el 53.3% determinó que está totalmente en desacuerdo y en desacuerdo; en cuanto a si la empresa le envía información importante por medio de comunicación digitales el 61.1% determinó que está totalmente en desacuerdo y en desacuerdo; en cuanto a si la atención brindada por la empresa a los ...
11
artículo
Publicado 2017
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Purpose. This paper aims to present an analysis of the role of financial incentives, moral hazard and conflicts of interests leading up to the 2008 financial crisis. Design/methodology/approach. The study’s analysis has identified common structural flaws throughout the securitization food chain. These structural flaws include inappropriate incentives, the absence of punishment, moral hazard and conflicts of interest. This research sees the full impact of these structural flaws when considering their co-occurrence throughout the financial system. The authors address systemic defects in the securitization food chain and examine the inter-relationships among homeowners, mortgage originators, investment banks and investors. The authors also address the role of exogenous factors, including the SEC, AIG, the credit rating agencies, Congress, business academia and the business media. Findings...
12
informe técnico
Publicado 2017
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En la Facultad de Ingeniería Industrial y de Sistemas, de la Universidad Nacional del Callao, brinda el curso de Ingeniería Financiera; como herramienta necesaria, para saber administrar el dinero. Como dice Robert Kiyosaky, (Kiyosaki, 2003), “hay que hacer que el dinero trabaje, por uno y no uno por el dinero”, con eso quiere decir que hay que invertir y obtener una rentabilidad razonable. Una forma de invertir, es la Bolsa de Valores de Lima; pero el problema fundamental, es como determinar, la rentabilidad futura de la inversión (pronostico). Esta investigación busca crear una “Propuesta de Pronostico del Valor de una Acción, Mediante las Medias Móviles - Análisis Técnico - en la Bolsa de Valores de Lima - Caso INTERCORP FINANCIAL SERVICES INC 2010-2015”, de manera fácil y que con un ligero conocimiento de pronósticos y finanzas, podrá encontrar un método de pronó...
13
artículo
Publicado 2020
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We sought to compare the satisfaction of patients on hemodialysis, in the objective of the investigation is to determine whether the consumer of financial products and / or services from 2012 to 2015 has the possibility of obtaining relief, restitution and administrative compensation. This is a documentary study carried out on 367 users of the Ilo finance companies, based on the instrument "Observation form to measure the compensation of the finance companies for defective products and services" authored by the researcher. The financial companies, through INDECOPI, in 55.9% of the cases, offer remedial reparation to the users who complain and complain in the instances of the same, in 3.8% of the cases what is claimed is partially granted, and in 40.3% of cases, what was claimed or reported is not granted. The research hypothesis is approved, because defective products and services are re...
14
tesis de grado
Publicado 2021
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El objetivo de la presente investigación consiste en: Evaluar la incidencia de la bancarización en la inclusión financiera de las cajas municipales en el distrito de Tarapoto, años 2015 – 2018. La metodología utilizada parte de la selección de una muestra por conveniencia y está constituida por 07 Cajas Municipales del distrito de Tarapoto aplicándose una encuesta a 35 usuarios, 15 por cada caja municipal, a conveniencia, y el acervo documentario específico, coincidente con la población. La investigación es aplicada en el nivel descriptivo-explicativa y el diseño de la misma es No Experimental transeccional, mediante el uso de los método inductivo-deductivo y analítico – sintético así como de técnicas e instrumentos de recolección de datos utilizando como instrumentos el análisis documental y el sondeo de opinión, se procedió al procesamiento y análisis de datos...
15
contribución a publicación periódica
Publicado 2019
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El autor señala que la inclusión financiera permite a los pobres integrarse a la economía de forma sostenible.
16
artículo
Publicado 2016
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The research explains why factors such as the level of family assets, infrastructure, education and distance to the capital district determine financial inclusion in the districts of Peru. Based on this objective, a descriptive analysis was performed on the relationship between the variables and the approximation on the inferential analysis: estimation using Ordinary Least Squares of a cross section with data up to December 2015.The results show a positive relationship between the factors, with the exception of distance, which could be explained by a concentration in the provision of financial services. Whereas, a large portion of the financial inclusion at the district level would be explained by other components.By identifying these other components, a broader multidimensional definition of financial inclusion was outlined, approaching the issue from a dynamic and evolutionary perspect...
17
artículo
Publicado 2016
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The research explains why factors such as the level of family assets, infrastructure, education and distance to the capital district determine financial inclusion in the districts of Peru. Based on this objective, a descriptive analysis was performed on the relationship between the variables and the approximation on the inferential analysis: estimation using Ordinary Least Squares of a cross section with data up to December 2015.The results show a positive relationship between the factors, with the exception of distance, which could be explained by a concentration in the provision of financial services. Whereas, a large portion of the financial inclusion at the district level would be explained by other components.By identifying these other components, a broader multidimensional definition of financial inclusion was outlined, approaching the issue from a dynamic and evolutionary perspect...
18
artículo
Publicado 2023
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Financial inclusion is a relevant matter that is constantly being looked upon, given its influence in reducing poverty and enabling the low-income population to access financial products and services, thus improving their living condition. This research aims to analyze the evolution of financial inclusion in Peru during the last seven years (2016-2022);also, it takes into consideration information from secondary source databases, such as reports from the World Bank, the Superintendencia de Banca y Seguros, and the Banco Central de Reserva del Perú. The method used has a descriptive and explanatory design. The findings of the research provide evidence that 56% of the Peruvian population has access to financial services (64% in urban areas and 31% in rural areas), which falls below the goal of 75% set by the Peruvian government. This gap can be attributed to customer service costs, includ...
19
artículo
Publicado 2018
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La investigación permitió establecer la relación entre los canales de acceso financiero y los créditos de consumo en el Perú durante el periodo 2007-2016, circunscribiéndose el ámbito de análisis al acceso físico que tiene la población para acceder a servicios financieros. A partir de dicho objetivo, se realizó un análisis descriptivo sobre la relación entre las variables y se utilizaron dos aproximaciones basadas en el análisis de regresión y la determinación del coeficiente de correlación. Siendo así, se obtuvieron como principales resultados que existe una relación muy positiva entre las variables de interés. De este modo, se concluyó que los canales de acceso de oficinas y cajeros corresponsales son los factores que influyeron en la expansión de los créditos de consumo en el país, pero constituye una condición necesaria pero no suficiente para determinar la e...
20
artículo
Publicado 2018
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La investigación permitió establecer la relación entre los canales de acceso financiero y los créditos de consumo en el Perú durante el periodo 2007-2016, circunscribiéndose el ámbito de análisis al acceso físico que tiene la población para acceder a servicios financieros. A partir de dicho objetivo, se realizó un análisis descriptivo sobre la relación entre las variables y se utilizaron dos aproximaciones basadas en el análisis de regresión y la determinación del coeficiente de correlación. Siendo así, se obtuvieron como principales resultados que existe una relación muy positiva entre las variables de interés. De este modo, se concluyó que los canales de acceso de oficinas y cajeros corresponsales son los factores que influyeron en la expansión de los créditos de consumo en el país, pero constituye una condición necesaria pero no suficiente para determinar la e...
