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1
tesis de maestría
Publicado 2023
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Finance Race nace de nuestro deseo de dar solución a un problema social relevante: la falta de habilidades para la gestión de los recursos económicos y financieros en la población escolar. La relevancia de este problema se revela incluso por su aparición en el currículo nacional en forma de una competencia a ser adquirida. Luego de una ardua investigación del mercado y del usuario, y a través del uso de metodologías ágiles, determinamos proponer Finance Race como solución, cuya propuesta de valor consiste en ser un material de aprendizaje digital, interactivo y gamificado. La evidencia de los aprendizajes adquiridos se traslada a proyectos aplicativos, que concursan por un premio interescolar. Luego de varias pruebas de deseabilidad y de usabilidad, se confirmó que se trata de una propuesta atractiva para clientes y usuarios. La generación de los ingresos de Finance Race ser...
2
tesis de maestría
Publicado 2023
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Finance Race nace de nuestro deseo de dar solución a un problema social relevante: la falta de habilidades para la gestión de los recursos económicos y financieros en la población escolar. La relevancia de este problema se revela incluso por su aparición en el currículo nacional en forma de una competencia a ser adquirida. Luego de una ardua investigación del mercado y del usuario, y a través del uso de metodologías ágiles, determinamos proponer Finance Race como solución, cuya propuesta de valor consiste en ser un material de aprendizaje digital, interactivo y gamificado. La evidencia de los aprendizajes adquiridos se traslada a proyectos aplicativos, que concursan por un premio interescolar. Luego de varias pruebas de deseabilidad y de usabilidad, se confirmó que se trata de una propuesta atractiva para clientes y usuarios. La generación de los ingresos de Finance Race ser...
3
artículo
Publicado 2023
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The aim of the study was to analyze the relationship between personal finances and work stress, as well as to determine the factors that influence this relationship. As a method, a qualitative approach was used and documentary analyses of thirty articles, theses and reports on personal finance and work stress from the period 2018-2022 were conducted. The results of the studies analyzed suggest that there is an important connection between personal finances and work stress, which would be influenced by factors such as financial education, financial planning, work overload, lack of autonomy and labor conflict. For this reason, it is recommended that companies implement financial education programs and promote a healthy work environment to reduce economic stress and improve the ability to manage economic resources.
4
artículo
Publicado 2019
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Objective: To estimate the funding and unit cost in the long-term training of health professionals in Peru. Methods: A partial economic evaluation (cost analysis) was carried out from the perspective of the public financier. For financing, reports are shown by budget categories and budget programs of the health sector. Data was obtained through the Integrated System of Financial Administration of the Ministry of Economy and Finance (SIAF-MEF) between the years 2016 - 2018. In relation to the analysis The cost was estimated using the absorption costing methodology. The data was obtained from the Integrated System of Administrative Management (SIGA) - logistic module to obtain the prices of the inputs, the Computer Application of Human Resources of Public Servants (AIRHSP) for salaries of human resources. Results: Financing made by the country in relation to training is estimated at 2...
5
artículo
Publicado 2024
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Education has been enshrined in the 1991 Political Constitution as a social, economic, and cultural right. Consequently, the State is obliged to guarantee access to all inhabitants of the national territory at all educational levels, including higher education and specifically to all academic programs, regardless of their cost or if the institution offering them is not of a public nature. The purpose of this work is to analyze how the State can ensure access to undergraduate medicine programs offered by private universities. This would be accomplished through financing models, such as Income Contingent Loans (ICL), by assessing the costs of tuition for this program in various institutions across the country. Additionally, the investment in academic training will be compared to the economic and labor situation of the recent graduate in order to recoup it. This work was based on a systemat...
6
artículo
Publicado 2025
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This research article aims to examine the trends in the financing costs of loans granted by Peruvian financial institutions in 2019 compared to 2020. This comparison serves to illustrate the trends in access to credit for micro and small enterprises (MSEs) and how they were affected by the crisis caused by COVID-19 in Peru.
7
artículo
Publicado 2017
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Different fellowships programs to public school teachers have been developed in Latin-American. In Perú, this new program has been managed by Pronabec financing fellowships for teachers of different regions during 2014-2015. Thisstudy is addressed to analyze the teachers´ dilemmas faced when they applied; and, explore the future professional perspectives of this kind of teacher. The qualitative method implies a documental analysis and survey with open answers to 20 teachers. Four types of dilemmas were identified–master versus family, master versus school, master versus another study, master versus no migration–, and eight possible futures scenarios related to the professional, academic, and unionpolitical fields.
8
artículo
Publicado 2024
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Objective. To determine the relationship between the Articulated Nutritional Program (PAN, by its Spanish acronym) and chronic malnutrition in children under 5 years old in the Panao Health Micro Network, Pachitea Province, Huánuco Region (Peru), for the period 2018-2021. Methods: A correlational study with a non-experimental design was conducted. Secondary data from DIRESA-Huánuco and the Friendly Consultation web portal of the Ministry of Economy and Finance were used to estimate Pearson's correlation coefficient. Results: A negative relationship was found between PAN and chronic child malnutrition in the Panao district, with a Pearson correlation coefficient value of -0.74. Additionally, a negative relationship was found between chronic child malnutrition and the dimensions of PAN: management of PAN goods and services (-0.47), budget allocation (-0.66), and PAN budget execution (-0....
9
artículo
Publicado 2024
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Objective. To determine the relationship between the Articulated Nutritional Program (PAN, by its Spanish acronym) and chronic malnutrition in children under 5 years old in the Panao Health Micro Network, Pachitea Province, Huánuco Region (Peru), for the period 2018-2021. Methods: A correlational study with a non-experimental design was conducted. Secondary data from DIRESA-Huánuco and the Friendly Consultation web portal of the Ministry of Economy and Finance were used to estimate Pearson's correlation coefficient. Results: A negative relationship was found between PAN and chronic child malnutrition in the Panao district, with a Pearson correlation coeffcient value of -0.74. Additionally, a negative relationship was found between chronic child malnutrition and the dimensions of PAN: management of PAN goods and services (-0.47), budget allocation (-0.66), and PAN budget execution (-0.7...
10
artículo
Publicado 2024
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Introduction. In Peru, public budget laws define the level and initial distribution of the health budget. Objective. To analyze the evolution of the level and initial distribution of the health budget in Peru in the period 2019-2024. Methods. Descriptive study. The budget of the Health function was analyzed by budget categories, budget programs, levels of government and departments, from 2019 to 2024, according to data from the Ministry of Economy and Finance. Results. Between 2019 and 2024, the budget for the Health function increased by 35%; while its share in the budget of the General Government increased from 10.8% to 12.2%, respectively. Also, the participation of budgetary programs in the budget decreased; while participation of Regional Governments increased. Between 2019 and 2024, budget programs related to mental health, cancer and emergency and emergency medical care saw a prog...
11
artículo
Publicado 2010
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Introduction: The Integral Health Insurance started a support program to finance renal replacement therapies. Objetive: We present preliminary results of the Pilot Program Renal Transplantation of Cayetano Heredía National Hospital – Public Health. Material and method: Case series of renal transplantation period 2007 to 2009. Results: we performed 32 living-related donor 30 (93.75%), unrelated 1 (3.13%), cadáver 1 (3.13%), 14 (43.75%) men, 18 (56.25%) women, 18 (56.25%) children and 14 (43.75%) adults. The average age was 21.5 ± 12.14 years (9.3 – 65.3), average waiting time on díalysis was 2.04 ± 1.79 (0.3 – 6.36) years. Time of arterial and venous anastomosis, warm ischemia and cold was 32.28 ± 15.52 (15-79) min, 31 ± 9.7 (20 - 60) min, 1.72 ± 1.02 (0.83 – 3.28) min, 2.5 ± 0.56 (1 – 16) hours respectively. Induction therapy it was Antithymocyte Gl...
12
artículo
Publicado 2010
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Introduction: The Integral Health Insurance started a support program to finance renal replacement therapies. Objetive: We present preliminary results of the Pilot Program Renal Transplantation of Cayetano Heredía National Hospital – Public Health. Material and method: Case series of renal transplantation period 2007 to 2009. Results: we performed 32 living-related donor 30 (93.75%), unrelated 1 (3.13%), cadáver 1 (3.13%), 14 (43.75%) men, 18 (56.25%) women, 18 (56.25%) children and 14 (43.75%) adults. The average age was 21.5 ± 12.14 years (9.3 – 65.3), average waiting time on díalysis was 2.04 ± 1.79 (0.3 – 6.36) years. Time of arterial and venous anastomosis, warm ischemia and cold was 32.28 ± 15.52 (15-79) min, 31 ± 9.7 (20 - 60) min, 1.72 ± 1.02 (0.83 – 3.28) min, 2.5 ± 0.56 (1 – 16) hours respectively. Induction therapy it was Antithymocyte Gl...
13
artículo
Publicado 2019
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Objective: To estimate the funding and unit cost in the long-term training of health professionals in Peru. Methods: A partial economic evaluation (cost analysis) was carried out from the perspective of the public financier. For financing, reports are shown by budget categories and budget programs of the health sector. Data was obtained through the Integrated System of Financial Administration of the Ministry of Economy and Finance (SIAF-MEF) between the years 2016 - 2018. In relation to the analysis The cost was estimated using the absorption costing methodology. The data was obtained from the Integrated System of Administrative Management (SIGA) - logistic module to obtain the prices of the inputs, the Computer Application of Human Resources of Public Servants (AIRHSP) for salaries of human resources. Results: Financing made by the country in relation to training is estimated at 2...
14
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...
15
artículo
Publicado 2025
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This study addresses the importance of developing financial competencies among university students, emphasizing its significant impact on both their personal and professional lives. It is a theoretical-documentary analysis that examines previous records and evidence on financial education and personal finance. The adopted methodology was qualitative, basic in nature, with a systematic review design using the PRISMA method. A content analysis technique and an instrument based on an analysis matrix were employed. Ten relevant studies published between 2024 and 2021 in Spanish and with open access were selected. The results reveal that despite progress in understanding these topics, there are still deficiencies in integrating educational strategies that promote responsible management of economic resources. It is concluded that implementing financial education programs in university curricul...
16
Publicado 2018
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Este trabajo analiza detalladamente los diferentes factores que influyen en el análisis de los costos unitarios, costos parciales y los costos totales necesarios para la ejecución de una obra y en forma particular para el mejoramiento de la transitabilidad vehicular y peatonal de los Pasajes O y C en la Asociación de Viviendas Progreso, Distrito de La Banda de Shilcayo – San Martin – San Martin, además se alcanza la Programación de Obra siendo esta en forma indicativa y no restrictiva en su planteamiento, también el Cronograma de Adquisición de Materiales. Para el desarrollo del presente trabajo se aplica todos los conceptos básicos requeridos en el área de costos, presupuesto y programación de obras, teniendo como labor inicial el levantamiento de información para el desarrollo del proyecto; ayudados con los programas tradicionales como son AutoCAD, AutoCAD LAND Civil 3d,...
17
artículo
OBJECTIVE: Determine the impact, characteristics, and changes in out-of-pocket health spending of households in Chile in 1997 and 2007. METHODS: A descriptive econometric study was conducted based on household surveys with cross-sectional information on spending in two years 1997 and 2007 for Greater Santiago. The evolution of indicators of per capita household spending by quintile was reviewed. The method proposed by the World Health Organization was used for econometric analysis of the determinants of out-of-pocket spending and catastrophic spending. The Gini indices were also calculated to analyze equity. RESULTS: Out-of-pocket health spending in the households of Greater Santiago increased significantly (39.5% per capita). The ratio of health spending in quintile 5 compared to quintile 1 decreased, but the increase in spending was less in quintile 5. In 2007, out-of-pocket spending w...
18
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...
19
tesis de grado
Publicado 2024
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El presente trabajo de investigación tiene como propósito demostrar que las fuentes de financiamiento son esenciales y vitales para el desarrollo económico y financiero de las mypes. La investigación se enfocó en determinar cómo inciden las fuentes de financiamiento en el crecimiento económico de las Mypes de la galería Oscar Montano de la ciudad de Chiclayo. Por lo tanto, se utilizó el método teórico de enfoque cuantitativo y diseño no experimental aplicando técnicas de encuesta a una muestra de 54 MYPES. Se describió la galería Oscar Montano de Chiclayo en el aspecto económico, social, político y tecnológico, además se determinó que las MYPES solicitaron crédito para crecer económicamente. De acuerdo a como inciden las fuentes de financiamiento, capital físico, capital humano y tecnológico, se determinó que en su mayoría las MYPES, han invertido en la compra d...
20
artículo
Publicado 2024
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Objective: The aim of this study was to identify critical aspects of the Cold Chain in the immunization process in Peru. Methodology: A descriptive study was conducted, analyzing data from the Ministry of Economy and Finance (MEF) and the Ministry of Health (MINSA) for the years 2020-2021, as well as administrative records from the MINSA's Regional Health Strategies for immunizations in 2020. Technical aspects established in the Health Technical Standard for Cold Chain Management, such as obsolescence, allocation, functionality, and storage capacity were taken into account. Results: In the year 2020, at the national level, 61.8% of the cold chain equipment showed obsolescence, with some regions exceeding 75%, with Lima’s metropolitan region being the most affected at 88%. Concerning equipment allocation, 9% of the first-level health facilities lacked refrigeration equipment, with Loret...
