Examinando por Materia "Contingencias"

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    Microseguro para contingencias que implican aislamiento
    (Universidad EAFIT, 2023) Miranda García, Nathalia; Ramírez Bedoya, Juliana; Peña Higuavita, Germán Adolfo
    The general objective of the present document is to present the design of the financial structure of a protection microinsurance in contingency situations that imply isolation, focused on impoverished population segments that are engaged in informal employment in Pereira. To achieve this, a systemic structure was proposed, that begins with a bibliographic review, characterization and diagnosis of the target population, then financial projections, sales statistics and average premiums was made, through Bayesian credibility as an instrument for establishing the premium. The initial diagnosis allowed to do a humanized x-ray of street vendors in Pereira, their financial dynamics and the pertinent market study for access to microinsurance, with elements of financial inclusion. Financial projections through Bayesian credibility theory adapted to the universe of microinsurance establishes alternative models for the identification of premiums, considering collective premiums as a unit of measurement and approach. Ultimately, the document shows that a pedagogical contribution is necessary for the introduction of families in the financial universe, for this reason it proposes an educational act in the sales process with the capacity to sustain and encourage itself in the post-sale process.
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    Valoración óptima de riesgos en proyectos de asociación público-privada (APP) de infraestructura vial en Colombia
    (Universidad EAFIT, 2024) Ortiz Salgado, Miguel Ángel; Toro Acuña, Guillermo; Grajales Bedoya, Duván Darío
    Public-private partnership (PPP) projects have been used by different countries as a mechanism to attract private investment in the development of infrastructure projects, alleviating the need to have considerable sums of public money available in the short term for their execution. and thus strengthening their economies and their competitiveness against other nations. Colombia has not been the exception, and to this end it launched the Fourth generation of concessions Program in 2012 (Colombia, Agencia Nacional de Infraestructura, ANI, 2014). Although a current review of the program shows that an appreciable number of the projects have entered their operational phase successfully, the State´s efforts in compensating for assessable risks have been significant, to the point that a large part of the public resources of the investment made available annually for the PPP sector is allocated to risk coverage and not to the financing of new projects. This study describes and analyzes the behavior of assessable risks in the projects of the Fourth generation of concessions program (Colombia, ANI, 2014), its impact on the Contingency Fund of State Entities and the country´s medium-term fiscal framework, and proposes improvements to the current methodology for valuing contingent obligations in infrastructure projects, so that the Contingency Fund of State Entities of PPPs is made more flexible, the financing of new short-term infrastructure projects is possible, and the long-term sustainability of the concession model is guaranteed as a mechanism for economic strengthening and social equity. Keywords: Public-private partnerships (PPP), infrastructure project financing, infrastructure risk management, road or highway concessions, contingencies.