Examinando por Materia "Ahorro"
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Ítem Acciones, impacto financiero y costos en la industria petrolera : efecto de fluctuaciones en precios del petróleo(Universidad EAFIT, 2019) Bulla Hernández, Claudia Marcela; Escalante Gómez, Juan EstebanObjective: Analyze the cost management in an oil sector organization, this to identify how the external financial impact and costs produced by the fluctuation of oil prices affect positively or negatively, this to determine the consequent actions for an adequate mitigation process. Method: this is a qualitative case study through circumstantial and historical documentary analysis; the researcher performs non-participant observation to document the technical response that the Colombian company under study applies to the costs, this in a given period of time when the fluctuation of the oil price was down. Results: The researcher, through his documentary analysis, interacted gradually with the activity analyzed, which allowed him to determine the strategies used by the company under study while evidencing the useful processes that led to the solution of the problem. This research allows us to understand how to budget an action plan based on the adaptability of available resources against financial changes, to obtain adverse results that the crisis normally leaves, which makes it possible for the company to remain in the business market. This investigative documentary experience and analysis of the technical contribution in cost reduction, is based on the initiatives of the work team and financial savings obtained, this provides a look-up table that serves as a guide for future administrations in similar cases. Finally, the personal contribution of the researcher is provided by simplifying the documented process, taking into account the potential and optimization methods identified as a result of the documentary analysis. Conclusions: The improvement in the operative efficiency is demonstrable through the documentary analysis, this manages to explain how the geopolitical factors, environmental damages, new technologies of extraction and crude production, influence directly in the fluctuation of the oil price and in turn in the market internal of each country; the financial impact that derives from these factors can be positive when the profitability exceeds the production cost and can be thought of as investment, or of a negative type when the prices fall to the point of putting the cost of production at risk; The fluctuation of oil prices generates drastic consequences in negotiations of all kinds, this reaches several productive sectors of a country. It is to understand that being prepared allows the sustainability of the company in times of crisis, this mitigates the external effect with the optimization of processes. The company under study thanks to its cost optimization plan provides the necessary information to consolidate practical consultation tables with guiding questions.Ítem Educación financiera, una pieza fundamental en el rompecabezas del desarrollo económico : ¿qué efectos tiene la falta de un esquema de educación financiera en el país, en el desarrollo del mercado de capitales colombiano y en el aprovechamiento de los productos financieros disponibles?(Universidad EAFIT, 2021) Palacios García, Laura Helena; Benítez Tejeda, Karen Paola; Mora Cuartas, Andrés MauricioThe purpose of this research was analyzed how financial education is a fundamental key for the economic and social development of any country. To determine the variables that helped support the previous argument, a series of methodologies were implemented, which included: a survey for people between 18 and 50 years, and interviews with leaders of the financial sector and influencers aligned with the management of personal finances. Through this research it was evidenced how the lack of financial education is a starting point for the low demand for financial products that are offered in the market. Additionally, the importance of personal finances for the development of an economy and a country in general was highlighted. In accordance, the factors that currently deepen the low financial education in the country were listed in this research, and which they have been reviewed from the pedagogical, social and cultural field.Ítem Una guía de alfabetización financiera para el municipio de Toro Valle : Institución Educativa Fray José Joaquín Escobar(Universidad EAFIT, 2019) Cifuentes Gonzalias, Marlon David; Orozco Echeverry, César AugustoIn the current t study, the financial knowledge of the population of the municipality of Toro Valle will be analyzed, in order to develop a financial literacy guide for its inhabitants, adjusted to the needs of the population. As a study population the educational community of Fray José Joaquín Escobar. All this with the aim of contributing to the improvement in the administration of the family resources of the people. It is important to note that this research was carried out with the collaboration of ninth and tenth grade students of school, who applied a survey to the members of the educational community, which showed: that people habitually make use of drop-by-drop credit, which does not There is a generalized rejection by people towards the financial system and that financial education programs must be strengthened from primary to secondary school.Ítem Guía educación financiera escolar(2019) Orozco Molina, Fabian Esteban; Cano Salazar, Natalia María; Vargas Saenz, Mario EnriqueÍtem Intervención comportamental tipo Nudge para incentivar el hábito de ahorrar : estudio de caso Ruta Progreso(Universidad EAFIT, 2021) Restrepo Castro, Juan Esteban; Montoya Jaramillo, Salomé; Zabala Uribe, Elizabeth; Echeverri Álvarez, JonathanÍtem “Lo que hoy resisto, mañana disfruto”: intervención comportamental tipo boost para mejorar el ahorro en la institución educativa Vida para todos en Medellín(Universidad EAFIT, 2024) Hernández Castaño, Sara María; Bueno Londoño, Daniela; Peláez Jaramillo, SergioÍtem Relación entre la formalización microempresarial y el acceso a los mercados financieros formales en Colombia(Universidad EAFIT, 2022) Acevedo Martelo, Manuela; Ángel Correa, Andrés; Acosta Mejía, Camilo AndrésThis paper analyzes the relationship between the access to formal financial systems by micro businesses in Colombia during 2019 and its relationship with their transition in the gradual process of formalization. It is found that there is a positive and significant correlation between access to the formal financial system and the formalization of micro businesses. The results suggest that micro businesses that apply for formal credit have a 8.3% higher probability of not being totally informal. By addressing the endogeneity problem, it is found that there is a causal relationship between access to formal financial systems and formalization. Micro businesses that apply for credit in the formal financial system have a 95% higher probability of not being completely informal.