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1
artículo
Publicado 2018
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The objective of this research is to analyze refinancing as a solution to financial problems in companies with a private bank, in relation to their debts and to show a specific case of a company that has applied for refinancing. Information of a case from a company was made. When analyzing the financial problems that a company may face, which basically come from a low demand, financing is asked for, but when the company cannot pay the debt on the specified time, they will want to apply for refinancing by showing the bank that refinancing is an ideal option for the solution of their problem if they are taken into consideration with time and if cost-benefit is considered even without the necessity of making it with the same bank
2
artículo
Publicado 2020
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Financial literacy and financial capacity of schoolchildren should be developed to meet the requirements of the rapidly developing society and increasingly complicated financial system of the Russian Federation. The authors focused on the financial education of schoolchildren who represent a special target group in financial relations. The main research methods were general scientific methods of cognition: systematization of theoretical and practical material, induction, deduction, comparative analysis, and synthesis. The authors defined the concepts of “financial literacy” and “financial capacity” and substantiated their interdependence using a synergistic approach. The authors considered school math course as a special tool for the formation of financial literacy and financial capacity of schoolchildren, explored the possibility of their development among Russian students in gr...
3
tesis de grado
El estudio sostiene por objetivo determinar cómo los Créditos Mypes se relacionan con el nivel de morosidad, Ica, 2023. La metodología es básica de tipo correlacional-transversal y de modelo no experimental; en una población constituirá por conformado por 61 329 gerentes de las MYPES en la provincia de Ica; cuyo muestreo fue 382 gerentes de las MYPES en la provincia de Ica, aplicándose el cuestionario como instrumento. Como resultado un coeficiente de Pearson de 0.654, siendo un indicador de una correlación alta. Asimismo, el valor de significancia fue de 0.000, esto manifiesta que, la correlación es significativa. Asimismo, se da por aceptada la hipótesis alterna, rechazando la hipótesis nula, indicando que si existe una correlación. Los bancos en general, establecieron estrategias agresivas de crecimiento y descuidando los principios financieros básicos que debería cumpli...
4
artículo
Publicado 2020
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As of the second half of 2020, the total number of financial debtors (individuals) by type of credit (consumer and mortgage) amounted to 7,310,779. There are millions of families with financial difficulties to honor their commitments with lenders (banks, savings banks, finance companies, edpymes, etc.) as a result of the coronavirus. In the current scenario of exceptional health, economic and financial crisis, a debt reduction or reduction can avoid the non-payment of said debts and the bankruptcy of families. The main objective of this research work is to demonstrate that the entities of the Peruvian financial system have a solid financial solvency, to release part of the debt to their borrowers without compromising their stability. Two conclusions of the study: a) the impact of the removal of part of the debts receivable is minimal in the total income of financial institutions, and b) ...
5
artículo
Publicado 2020
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As of the second half of 2020, the total number of financial debtors (individuals) by type of credit (consumer and mortgage) amounted to 7,310,779. There are millions of families with financial difficulties to honor their commitments with lenders (banks, savings banks, finance companies, edpymes, etc.) as a result of the coronavirus. In the current scenario of exceptional health, economic and financial crisis, a debt reduction or reduction can avoid the non-payment of said debts and the bankruptcy of families. The main objective of this research work is to demonstrate that the entities of the Peruvian financial system have a solid financial solvency, to release part of the debt to their borrowers without compromising their stability. Two conclusions of the study: a) the impact of the removal of part of the debts receivable is minimal in the total income of financial institutions, and b) ...
6
artículo
Publicado 2020
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As of the second half of 2020, the total number of financial debtors (individuals) by type of credit (consumer and mortgage) amounted to 7,310,779. There are millions of families with financial difficulties to honor their commitments with lenders (banks, savings banks, finance companies, edpymes, etc.) as a result of the coronavirus. In the current scenario of exceptional health, economic and financial crisis, a debt reduction or reduction can avoid the non-payment of said debts and the bankruptcy of families. The main objective of this research work is to demonstrate that the entities of the Peruvian financial system have a solid financial solvency, to release part of the debt to their borrowers without compromising their stability. Two conclusions of the study: a) the impact of the removal of part of the debts receivable is minimal in the total income of financial institutions, and b) ...
7
artículo
Publicado 2009
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Governments are implementing fiscal and monetary flexibility to reverse the negative effects of global crisis, but the results are sterile or minimal. Despite that injected billions of dollars to save their financial operations, multinational corporations continue to show signs of economic deterioration, so much so that flagship companies in the world have fallen into the worst crisis in the history. The fact that businesses continue in the pernicious cycle of crisis; although, financial aid is valid to assert that the paradigms of business also need a deep restructuring of their philosophy. That is why the crisis facing the model of globalization and economic merits of solutions that will not be sustainable over time, which requires global solutions, inclusive and integrate in such a way that leads to the world economy to grow symmetrically banishing all this action is know as speculato...
8
artículo
The main objective of this research was a marketing plan based on a saving and credit union based on theories of service marketing to improve competitiveness. Therefore, it focused on addressing service marketing strategies to go up the levels of customer acquisition and retention in the diverse offer of its products, both in passive operations (deposits) and in active operations (placements) and this way improve your position in the ranking of cooperatives. A descriptive quantitative methodology was followed, using the survey and the interview as techniques. IBM SPSS Statistics v.22 software was used, using descriptive statistics; where it was possible to identify the most relevant characteristics of the problem, both in its origin and in its development, and based on it, tables and figures showing the frequencies and percentages have been prepared. The results revealed that there are m...
9
artículo
The main objective of this research was a marketing plan based on a saving and credit union based on theories of service marketing to improve competitiveness. Therefore, it focused on addressing service marketing strategies to go up the levels of customer acquisition and retention in the diverse offer of its products, both in passive operations (deposits) and in active operations (placements) and this way improve your position in the ranking of cooperatives. A descriptive quantitative methodology was followed, using the survey and the interview as techniques. IBM SPSS Statistics v.22 software was used, using descriptive statistics; where it was possible to identify the most relevant characteristics of the problem, both in its origin and in its development, and based on it, tables and figures showing the frequencies and percentages have been prepared. The results revealed that there are m...
10
artículo
Publicado 2024
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The technical complexity and specialized terminology of cryptocurrencies have been persistent obstacles to general understanding. Compounding this problem, the lack of financial education has further limited the accessibility of these concepts. This study was dedicated to addressing such challenges by exploring the intersection between cryptocurrencies, financial education, and responsible adoption. The main objective was to provide a clear and accessible view of these concepts, thus promoting understanding and facilitating informed decision making. Their contribution lies in the responsible adoption of cryptocurrencies through practical tools and an accessible educational approach. The research used a descriptive documentary approach, using methods of collection and analysis of primary and secondary sources. The search focused on scientific articles indexed in recognized databases, such...
11
artículo
This article seeks to answer the question: Why is it important electronic money in the process of finan-cial inclusion in Peru?. According to data from the Superintendence of Banking and Insurance (SBS), as of June 2013, 57.3% of districts in the country lack access to the financial system. Due to this problem, it is necessary to institutionalize the policy of financial included, so that access and use of quality financial services by all segments of the population is promoted. An important step in this way, is the instrumentation of electronic money.From this perspective, for a better understanding of the subject, the content is structured in four parts. The first covers the history of both the current situation of the Peruvian financial system as the policy guideline. In the second the validity of electronic money is raised. The third covers the electronic money in Peru. The fourth ana...
12
artículo
In relation to the Income Tax Law, it mentions that the expenses that are causal for the generation of taxable income, which must meet certain formal and substantial requirements, are deductible. However, there is the problem that companies lose the right to deduct their expenses and other tax benefits, because they do not have control policies and procedures, as well as training, which impacts on their economic and financial management. The present work is developed through descriptive studies (observation of the facts) and correlational studies (measurement of the degree of relationship that exists between the variables). The method used is inductive, since it is the study of a case. Determining that non-compliance with tax rules due to a lack of control procedures and policies; as well as the lack of training of the members of the organization negatively impacts the economic (profitab...
13
otro
Publicado 2018
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This report shows the development of mathematical skills applying sociocognitive paradigms: humanists who develop capacities through activities consisting of skills, techniques, methods, contents and attitudes that allow applying their new knowledge to everyday situations. The session entitled solves problematic situations with percentage, was developed in the area of mathematics taking into account the competence Solves Quantity problem, the performance of Translate relationships between data and actions to compare and equalize quantities with percentage was achieved, when posing and solving problems. During our daily experience we face various economic, financial, buying and selling situations; in which percentage is involved and for this we must be prepared to interpret and implement it properly. In the development of the session, motivational activities were applied in a cognitive an...
14
artículo
Publicado 2021
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The purpose of this work is to analyze the activities related to Financial Education in the textbooks used in Primary Education, both in public and subsidized schools in the Autonomous Community of Andalusia, considering the OECD definition for financial competence. Through a qualitative methodological process, based on content analysis, an entire textbooks' series was studied for the subject of mathematics. The outcome showed the existence of 252 activities that agree with the Financial Education proposed model, highlighting the categories of money's value (145 activities) and state and citizens (133) with the greatest presence and, therefore, with the greatest development. According to this, we consider that a good culture in financial education in an early schooling facilitates the various economic decisions faced by students insituations of economic uncertainty.
15
artículo
Publicado 2022
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This paper emerged as a synthesis of the first chapter of the doctoral thesis called "Didactic strategy for the Financial Mathematics subject in the Business Administration Career of the State University of Milagro in the Republic of Ecuador". The objective of this paper is to systematize the theoretical-methodological references that support the teaching-learning process of the Financial Mathematics subject from the Historical-Cultural approach. For this, a documentary research was carried out that supports that any process of teaching-learning of Financial Mathematics subject must be based on the development of thought, reasoning and social awareness, cognitive skills that facilitate problem solving and decision-making in environments of uncertainty
16
artículo
Publicado 2013
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The adoption of the ISAs, to Mexico and other countries, has benefits and problems that are seen as areas of opportunity, such a regulation is considered a worldwide standard, with a greater degree of rigor and universality, which aims to contribute to the global financial stability and offset the volatility that accompanies globalization, but also requires an assessment of regulations and legislation in the country to turn, allow the full implementation of these standards. The NIA currently given to the audit, greater confidence in Mexican law, since it sustains bajonormas reliability and certainty, that the financial statements generated by companies, are regulated uniformly, which brings logical greater acceptance of the data they contain, therefore, allow the comparison of financial reporting in an international environment, which in turn leads each generates more promotion of foreig...
17
artículo
Publicado 2013
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The adoption of the ISAs, to Mexico and other countries, has benefits and problems that are seen as areas of opportunity, such a regulation is considered a worldwide standard, with a greater degree of rigor and universality, which aims to contribute to the global financial stability and offset the volatility that accompanies globalization, but also requires an assessment of regulations and legislation in the country to turn, allow the full implementation of these standards. The NIA currently given to the audit, greater confidence in Mexican law, since it sustains bajonormas reliability and certainty, that the financial statements generated by companies, are regulated uniformly, which brings logical greater acceptance of the data they contain, therefore, allow the comparison of financial reporting in an international environment, which in turn leads each generates more promotion of foreig...
18
artículo
Publicado 2022
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This article is based on my doctoral thesis supported in June 2022. The main objective is to demonstrate that the reduction of poverty in Peru in this century was related to financial inclusion mechanisms, recognizing that GDP growth is the main factor that reduces poverty. Two econometric models are presented, the first at the aggregate level and the second at the specific level to analyze the main problems that are the main determinants of poverty reduction. The results of the first model showed financial inclusion as a determinant of the decrease in the use of poverty, measured as an indicator that concentrates penetration, availability and banking. Likewise, the first model considers the growth of income per capita by department, among other variables. In the second model, data from the Credit and Savings Unions -UNICAS- of Ayacucho were used to quantify the decrease in poverty in th...
19
artículo
Publicado 2025
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Financial competencies are essential to make informed decisions about savings, investment and credit, promoting economic independence and financial stability. They help prevent financial problems, adapt to economic changes and plan for the long term. These skills are key to ensuring personal and family economic well-being in an increasingly complex economic environment. The objective was to analyze the knowledge, skills and financial attitudes of university students in the city of Tarma following the competency approach guidelines. The research has a quantitative approach, basic type, descriptive level and non-experimental design. The study sample includes 116 university students from the city of Tarma. The data were collected through a pedagogical test validated by experts with a content validity coefficient of .98 and McDonald's Omega reliability of .813. The results indicate a signifi...
20
artículo
Publicado 2019
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Financial inclusion means having access to services that solve a problem or satisfy a financial need of the population in order to reduce informality and poverty. These financial services are operations of capital transfers, purchase- sale of currencies, payments of services, loans, savings, insurance, etc. According to Scottish Executive (2005) Financial Inclusion is “Access for individuals to appropriate financial products and services. This includes people who have the skills, knowledge and understanding to make the best use of those products and services. Financial exclusion is often a symptom of poverty, as well as a cause”. The access to financial services contribute to create business opportunities for the population, generating sustainable income in the long term with the objective of a better standard of living. Financial technology is an important tool to achieve these ends...
