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financial programs » financing programs (Expander búsqueda), financial problems (Expander búsqueda), financiera programa (Expander búsqueda)
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1
artículo
In Peru, according to the definition of the National Institute of Statistics and Data Processing (INEI, 2023), an individual in considered to be living in poverty if their monthly income is below PEN 415. Poverty decreased considerably from 2011 to 2019. However, after the COVID-19 pandemic, it has significantly increased, to the detriment of all progress made in the previous decade. Even though social welfare programs are a good option to fight poverty, it is necessary for these programs to complement their strategy with financial literacy to improve their effectiveness. This paper evaluates the current situation and the importance of financial literacy for the reduction of poverty in Peru. This research is descriptive, non-experimental and cross-sectional. The results of several studies conducted in various countries revealed that financial literacy is significantly effective to reduc...
2
artículo
Publicado 2020
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The present study aimed to determine the effectiveness of the educational program “How important it is to pay taxes!” oriented to develop knowledge and favorable attitudes about tax culture in high school students of a private educational institution of Juliaca. The research is framed in a quasi-experimental design with pre and post intervention evaluation, in which the participants were divided into two groups: experimental (GE = 30) and control (GC = 30). In this case, it was the GE who received a total of 10 educational sessions distributed in 3 modules: knowledge, perception and attitudes. To determine the effectiveness of the program, a questionnaire was applied that measured the tax culture used in a similar investigation and validated by experts in financial education. The results indicate that before the intervention six participants of the GE (20%) demonstrated knowledge abo...
3
artículo
Publicado 2020
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The present study aimed to determine the effectiveness of the educational program “How important it is to pay taxes!” oriented to develop knowledge and favorable attitudes about tax culture in high school students of a private educational institution of Juliaca. The research is framed in a quasi-experimental design with pre and post intervention evaluation, in which the participants were divided into two groups: experimental (GE = 30) and control (GC = 30). In this case, it was the GE who received a total of 10 educational sessions distributed in 3 modules: knowledge, perception and attitudes. To determine the effectiveness of the program, a questionnaire was applied that measured the tax culture used in a similar investigation and validated by experts in financial education. The results indicate that before the intervention six participants of the GE (20%) demonstrated knowledge abo...
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5
artículo
Publicado 2021
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Chirikyacu, Chunchiwi, and Chirik Sacha, located in the San Martin region (Peru), are indigenous communities affiliated with the National Program of Forest Conservation for Climate Change Mitigation. The three communities approved the implementation of the Conditional Direct Transfer Mechanism (TDC, acronym in Spanish) as a financial tool for primary forest conservation. This research characterizes the participation of the beneficiaries from the type of involvement and participation size along the TDC execution, identifying drivers that facilitate and limit the participation of the beneficiaries’ minority.Minorities, as in any society, have access to fewer opportunities. In the three communities, I found larger minority groups (such as women) than others with less population (such as monolingual), as well as gender norms accepted in the communities, which limit the minority groups from...
6
artículo
Publicado 2022
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In this article, the analysis of models, procedures, type of technologies and work platforms of various social programs that use SMS (Short Message Services for its acronym in English) which provide or make known various services and benefits to through sending text messages. SMS are among the most used services by mobile phone users due to their low cost, ease of use, speed of implementation and communication performance. Likewise, the reliability of SMS messages should be highlighted, considering that they are text messages, they are fast, profitable due to the low cost for the user and the results can be analyzed very quickly. Other advantages that its use implies are: it is efficient, easy to configure and has an almost immediate impact on the responses and service opportunities for customers and/or users.
7
tesis de grado
Publicado 2024
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La presente investigación se realizó en el colegio nacional “Santa Magdalena Sofía” de Chiclayo, ya que dentro de su malla curricular no se incluye ningún curso sobre finanzas, lo cual trae consigo una baja concientización y conocimientos de temas financieros como: ahorro, presupuesto, inversión, endeudamiento y productos bancarios. En respuesta a ello, se aplicó el diseño del programa español “Finanzas para todos” en las estudiantes de quinto de secundaria con el fin de mejorar su nivel de educación financiera. Como objetivo general se buscó determinar la incidencia que tiene el programa “Finanzas para todos” en la educación financiera de las estudiantes de quinto de secundaria del colegio nacional "Santa Magdalena Sofía" de Chiclayo – 2023. El diseño de la investigación fue experimental, cuasi experimental, con un enfoque cuantitativo y de tipo aplicada. Co...
8
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...
9
artículo
Publicado 2025
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Financial literacy is recognized as an essential competence in higher education due to its direct impact on economic and social well-being. This study aimed to analyze, through a systematic literature review, the role of financial literacy as a university competence, its benefits, key areas, forms of curricular integration, and main implementation challenges. The review followed the PRISMA 2020 guidelines and included articles, books, and book chapters published between 2020 and 2025 in the databases SciELO, RedAlyC, Dialnet, ScienceDirect, Web of Science, and Scopus. After the identification, screening, and eligibility processes, 49 publications were included in the qualitative synthesis. The results reveal a lack of financial education in universities, which is associated with inadequate economic decision-making, higher student indebtedness, and negative effects on the financial and em...
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artículo
This study analyzes the consequences of COVID-19 in Peru and Latin America regarding the aspects of poverty and unemployment, the impact on the economic-social scenarios, and the existing financial inclusion indicators in times of pandemic. The article’s objective was to show the importance of financial inclusion to mitigate the effects of the COVID-19 crisis by inserting the population ―traditionally excluded― into the formal financial system. As a result of the research, it is shown that governments have mitigated the negative effects of the pandemic with the implementation of subsidy programs and by offering economic support to the vulnerable population; however, it is necessary to improve public policies to take advantage of digital innovation in benefit of the population, and to lower the barriers that hold back the penetration of financial inclusion.
11
tesis de maestría
Publicado 2015
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El presente documento se basa en la elaboración de un plan estratégico para el Programa Generación +1 que es parte de la empresa Libélula y que se llevará a cabo a partir del año 2015 al 2020. El plan fue elaborado utilizando como base el Proceso Estratégico propuesto por D´Alessio (2013). A través de la utilización del plan, una visión fue desarrollada con el propósito de llevar a Generación +1, un programa que busca educar sobre la problemática y el impacto del cambio climático en los jóvenes, a ser un programa competitivo, atractivo, que sea sostenible financieramente y que se encuentre en un posición única dentro de las organizaciones enfocadas al cambio climático. Actualmente, Generación +1 está enfocada en el desarrollo de un programa de educación gratuita para crear conocimiento y educar sobre los cambios climáticos. En la actualidad la organización cuenta ...
12
tesis de maestría
Publicado 2015
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El presente documento se basa en la elaboración de un plan estratégico para el Programa Generación +1 que es parte de la empresa Libélula y que se llevará a cabo a partir del año 2015 al 2020. El plan fue elaborado utilizando como base el Proceso Estratégico propuesto por D´Alessio (2013). A través de la utilización del plan, una visión fue desarrollada con el propósito de llevar a Generación +1, un programa que busca educar sobre la problemática y el impacto del cambio climático en los jóvenes, a ser un programa competitivo, atractivo, que sea sostenible financieramente y que se encuentre en un posición única dentro de las organizaciones enfocadas al cambio climático. Actualmente, Generación +1 está enfocada en el desarrollo de un programa de educación gratuita para crear conocimiento y educar sobre los cambios climáticos. En la actualidad la organización cuenta ...
13
artículo
Publicado 2023
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Purpose: The present study aimed to examine the relationship between information and communication technologies (ICT) diffusion, financial development and economic growth in the panel of developing countries for 2005–2019. Design/methodology/approach: The study employed the principal component analysis (PCA) to extract the index of ICT diffusion. First-generation panel unit root tests such as Levine Lin Chu (LLC), Im Pesaran Shin (IPS), Augmented Dickey-Fuller (ADF) and Phillips and Perron (PP) were employed to check the stationarity of the variables. Pedroni and Kao co-integration techniques were used to examine the existence of the long-run relationship, and co-integration coefficients were estimated using FMOLS and dynamic ordinary least squares (DOLS). The panel Granger causality approach examined the short-run and long-run causality. Findings: The results confirmed that ICT diffus...
14
tesis de grado
La presente tiene como objeto principal determinar la incidencia del Programa Reactiva Perú en la Liquidez de la empresa Llantas San Martin S.R.Ltda.. El enfoque es cuantitativo, del tipo aplicada, nivel explicativo y diseño transversal, se tiene como muestra la información financiera obtenida durante mayo a diciembre 2020, información obtenida por la técnica de análisis documental, se realizó el cálculo de indicadores de liquidez y análisis comparativo entre un préstamo convencional y un préstamo con las características del Programa. La investigación tiene como resultado que el Programa Reactiva Perú impacto positivamente en la liquidez de la empresa, evidenciándose notablemente en la prueba defensiva, bajo un préstamo convencional alcanzó un valor máximo de 29.15% y cerrando el año con 7.96% mientras que bajo las condiciones del Programa el valor máximo fue de 45.85...
15
artículo
Publicado 2015
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As a consequence of the 2007 financial crisis, companies have been focusing on managing the risks of normative infringement as an integral part of the notion of a business risk. This practice is encouraged by the implementation of normative with cross-border effects and reach, as well as by the growing internal regulations of autonomous criminal liability of corporate bodies systems.In the context of the circumstances described, in the present article the author analyzes: (i) the practical performance of the Criminal Compliance programs; (ii) their minimum content to exonerate or mitigate the criminal liability of the corporate bodies involved in a crime or offence; and, (iii) the challenges for the lawyer specialized in Criminal Law that this new approach of criminal preventingcounseling enforces.
16
tesis de grado
Publicado 2018
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El objetivo general del presente trabajo es determinar si la Educación Financiera como herramienta contribuye al fortalecimiento económico del microempresario bodeguero de Lima Sur, teniendo en cuenta que no tienen acceso a programas de educación financiera que le permita adquirir conocimiento y herramientas para contribuir a un adecuado manejo de sus negocios. La mayoría de ellos emprenden negocios de manera empírica, sin contar con conocimientos suficientes para hacer exitoso su unidad de trabajo. Muchas veces la falta de información aunada al escaso acceso a los productos y servicios financieros, fomentan el uso de servicios financieros informales (tandas, ahorro bajo el colchón, solicitud de créditos a prestamistas a tasas elevadas), generando en muchos casos sobreendeudamiento, malas inversiones, y en el peor de los casos hasta quiebra del negocio
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artículo
Publicado 2019
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This paper seeks to determine an optimal course of action for investing in risky assets through a linear programming model, adapted to a particular type of decision, known as the Markovian decision process. We analyze stock statistics of three important firms of three industries of representative trading activity and their correlation with the Lima Stock Exchange General Index, with the purpose of establishing a prediction price model for said assets.Then, we formulate a Markovian decision process and prepare a linear programming model for an optimal solution. We find that linear programming modeling reduces the time and complexity of a Markovian decision process in choosing a course of action that maximizes profits upon risky asset investment.
18
artículo
Publicado 2019
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This paper seeks to determine an optimal course of action for investing in risky assets through a linear programming model, adapted to a particular type of decision, known as the Markovian decision process. We analyze stock statistics of three important firms of three industries of representative trading activity and their correlation with the Lima Stock Exchange General Index, with the purpose of establishing a prediction price model for said assets.Then, we formulate a Markovian decision process and prepare a linear programming model for an optimal solution. We find that linear programming modeling reduces the time and complexity of a Markovian decision process in choosing a course of action that maximizes profits upon risky asset investment.
19
artículo
Publicado 2019
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This paper seeks to determine an optimal course of action for investing in risky assets through a linear programming model, adapted to a particular type of decision, known as the Markovian decision process. We analyze stock statistics of three important firms of three industries of representative trading activity and their correlation with the Lima Stock Exchange General Index, with the purpose of establishing a prediction price model for said assets.Then, we formulate a Markovian decision process and prepare a linear programming model for an optimal solution. We find that linear programming modeling reduces the time and complexity of a Markovian decision process in choosing a course of action that maximizes profits upon risky asset investment.
20
artículo
Publicado 2019
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The present research work consists in the development of a method where a mathematical model of a fish canning plant installation project is proposed, considering the investment, the production costs, the operating expenses, the financial statements, and as indicators for decision making, the net financial present value and internal rate of financial return. Then, the mathematical model is optimized using a non-linear programming to choose the most convenient investment alternative, then a Monte Carlo simulation is carried out in which random variables of plant and market are considered that allow the investor to estimate the minimum values and máximum that can happen in the financial indicators and finally the discussion of results.
