Examinando por Autor "Valencia Serna, Fanny"

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    Ítem
    Estructuración y análisis de viabilidad financiera de un modelo de negocio para una fintech de créditos en Colombia
    (Universidad EAFIT, 2021) Astudillo Alvarado, Yasmín Andrea; Valencia Serna, Fanny; Restrepo Tobón, Diego Alexánder
    This paper presents the structuring and analysis of the financial viability of a business model for a credit Fintech in Colombia, using the canvas and some financial models that will help the organization and initiation of this project, include regulatory aspects and maximize the resources. Its purpose is to call for financial inclusion to entrepreneurs, self-employed workers and micro-enterprises in the granting of loans, due to the increasing difficulty of accessing formal banking, which forces them to look for informal lenders who handle high loan interest rates. “Access to financial services makes everyday life easier and helps families and businesses plan for everything from long-term goals to unforeseen emergencies” (World Bank, n.d.). It is thus intended, through the responsible use of financial services, to promote progress that generates growth and equity and helps combat poverty, fundamental requirements to produce dynamism in the economy, since their use leads to greater investment, increases the Colombian household income, generates economic and social development, and guarantees timely credits in an adequate manner for the weak sectors of the economy.