Examinando por Materia "Perfiles de riesgo"

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    La gestión de riesgos de individuos de ingresos bajos del Valle de Aburrá : una perspectiva de la toma de decisiones
    (Universidad EAFIT, 2020) Correa Castaño, Lina Marcela; Manrique Tisnés, Horacio
    This work aims to identify how low-income individuals in the Aburrá Valley manage risks. The theoretical pillars are decision making: origin of decisions, cognitive biases, social relationships, behavioral finance. Its used information of clients of the insurance sector: from the statistical application of the decision tree and cluster analysis, with variables of characterization and assurance status and application of interview protocol in the communities with phenomenological-hermeneutical analysis and ethnographic method. As findings and conclusions we have that risk preferences of low-income individuals are formed with the family narrative and may vary with age as a determining factor. At the same time, risk management depends on the risk profiles formed, the own experience with the materialization of risks, the community narrative and, and just in few instances, the search for formal information and the knowledge of other institutions. The study is only limited to low-income individuals: stratum 1 and 2 in Medellin metropolitan area. Other subsequent studies should analyze other socio-economic segments and other regions of the country. Additionally, this paper can serve as input for decision-making manuals through experience in communities