Examinando por Materia "MICROFINANZAS - COLOMBIA"

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    Ítem
    Impacto del riesgo de tasa de interés del libro bancario (RTILB) en las entidades financieras en Colombia
    (Universidad EAFIT, 2024) Sotelo Sotelo, Paula Estefany; Martínez Rodríguez, Francisco Javier; Cruz Pomeo, Alex Mauricio
    The present degree work attempted to show the impact of interest rate risk management of the banking book (IRRBB for its acronym in English or RTILB for its acronym in Spanish) in financial entities in Colombia, with an approach to a microcredit entity through an applied exercise. In an increasingly globalized world, where the economic decisions and actions of agent A demand almost immediate effects on the financial, business and organizational structure of agent B, and whose reaction must correspond to adequate management of any risk that may arise. or not, influence the present and future of your capital and investments. In this sense, a qualitative and quantitative investigation was conducted with the approach of bibliographic resources, which account for theoretical and practical advances on the subject and subsequently, using hypothetical scenarios that simulate changes in interest rates, managed to determine the impact of managing this risk in financial entities under study. The findings of this research can serve as a basis for establishing interest rate risk mitigation strategies and for understanding the importance of exhaustive monitoring of the capital structure and its dynamics given interest rate variations.
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    Ítem
    Medición de los determinantes cualitativos del incumplimiento de pago de la cartera de microcrédito en Colombia
    (Universidad EAFIT, 2018) Moreno Osorio, Catalina; Arango Londoño, David; Guerrero, Sergio Esteban
    The microcredit can be seen as a set of operations defined within the law and regulated by the financial system that are intended to make loans of reduced amount with special conditions in interest rates and amortization periods to microentrepreneurs, households and people who need investment in working capital, purchase of fixed assets or portfolio in their productive projects of initial stage and/ or errant -- Bearing in mind that this source of financing has a great potential for development given the number of micro-enterprises and informalism in the country and that since 2011 has been the portfolio with the largest share in the number of debtors, as it has been growing at a higher than the total portfolio of the financial system -- In addition to presenting a deterioration in the credit risk indicators, the qualitative determinants of non-payment of the microcredit portfolio in Colombia -- To do this, the concept of soft information is used, which includes socioeconomic variables and characteristics of microenterprises and debtors that can determine their impact on the probability of default -- Using the logistic regression model methodology, you will obtain statistical evidence for or against the hypothesis