Repositorio Institucional Universidad EAFIT ::Examinando por Materia "SERVICIOS FINANCIEROS"

Examinando por Materia "SERVICIOS FINANCIEROS"

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Análisis de factibilidad en la creación de una empresa de consultoría financiera
(Universidad EAFIT, 2019) Gómez García, Richar Alexander; Restrepo Barth, Simón
This document describes the different studies to evaluate the viability of the creation of a financial services company. This paper begins by understating the basic elements that have allowed the conception of the idea; going by recognizing the reality of the market and it size, identifying the main companies that can be found and their ways to exceed the needs and expectations of customers. Based on this information, determining the capacity that the project should have for its operation and the structure of administrative support required for an appropriate operation. Finally, all the data obtained from secondary information sources will be used to describe a financial evaluation, based on the project cash flows tools such as the Internal Rate of Return - IRR and the Net Present Value - VPN, appropriate methods to identify if the project and the investor would obtain enough profitability to compensate the investment made and the risk assumed.
Análisis de la gestión de desempeño basada en competencias y objetivos
(Universidad EAFIT, 2022) Salazar Lopera, Valentina; Betancur Hurtado, Carlos Mario
The purpose of the research is to characterize the performance management model used in a company providing accounting and financial legal services, by collecting perceptions of different people within the organizational structure. For this, qualitative research will be carried out, using the method of semi-structured interviews. Once this information is collected, a contrast will be made with the positions of different authors within the literature and finally some recommendations will be designed, taking into account the management models by objectives and management by competences. Once the research is finished, it is evident that within the organization under study there is not a structured performance management model, but a performance evaluation model, There are no objective measurement variables that allow us to determine the level of performance. Finally, recommendations are given to this organization, focused on formalizing the performance management model, basing monitoring on the achievement of objectives and capacity development, where metrics must be objectively defined to track defined objectives with employees
Análisis de la regulación de los cobros del sistema financiero
(Universidad EAFIT, 2020) Mariño Escobar, Juan José; Pérez Posada, Santiago; Gómez Toro, Catalina
Análisis de las características y atributos de una herramienta de inteligencia artificial aplicable al modelo de relacionamiento comercial del segmento de clientes preferenciales de Bancolombia
(Universidad EAFIT, 2025) Saldarriaga Bonilla, Jonathan; Barcasnegras Ardila, Félix Ricardo; Uribe de Correa, Beatriz Amparo; Londoño Vélez, Natalia
Análisis de los sistemas transaccionales en Colombia con respecto al sistema financiero de Bolivia, en términos de inclusión financiera
(Universidad EAFIT, 2020) Cardona Tombe, Liceth Viviana; Gómez Guzmán, Carol Andrea; Durango Gutiérrez, María Patricia
The purpose of this paper is to analyze the evolution of transactional payment systems in Colombia compared to Bolivia, as developing countries in Latin America, in terms of financial inclusion. For this, its evolution between the years 2016-2020 has been reviewed. There is also a brief description of the importance of the means of payment, a comparative analysis of the composition of the financial structure of both countries, and quantitative information to measure growth and projection for the years 2020-2024.
Análisis de viabilidad de un modelo fintech para el fondo de empleados de papeles nacionales y su impacto en la sostenibilidad financiera
(Universidad EAFIT, 2023) Ramírez Ocampo, Andrés Felipe; González Bermúdez, Lizeth Dayana; Granada Muñoz, Gloria Janeth; García Uribe, Juliana; Vergara Garavito, Judith Cecilia
Análisis global de la dependencia entre la profundidad del mercado de capitales y la inclusión financiera
(Universidad EAFIT, 2019) Bolaños Correa, Sergio Andrés; Sanclemente Oyuela, Milton César; Tellez Falla, Diego Fernando
The development of capital markets is directly related to the economic development of a country. For this reason, it is possible to find deeper financial markets in mature economies than in underdeveloped or developing economies. However, in many cases, access to capital markets is restricted because of lack in financial inclusion, and only those with more privileges are the only whom can access to them, as it happens in most of developed economies. The present paper aims to analyze the dependence among financial inclusion policies and the development of deeper financial markets for different countries among developed economies (OECD members), developing economies and underdeveloped economies, with the objective to show how important is to promote financial inclusion at all levels to boost economic growth.
Bancarización en Antioquia durante la época de banca libre (1865-1886) ¿fue la época de “banca libre” en Antioquia un periodo de alta bancarización y profundización financiera?
(Universidad EAFIT, 2018) Palacio Orozco, Benhur Alejandro; Ramírez Gómez, Mauricio Andrés
Cláusulas abusivas en los contratos celebrados con las entidades financieras en Colombia
(Universidad EAFIT, 2006) Correa Valencia, Natalia; Montoya Pérez, Ángela María; N/A
Confianza e inclusión financiera en Colombia
(Universidad EAFIT, 2017) Palacios Sánchez, Ángel Esneydher; Palacios Luna, Juan Manuel
La probabilidad de acceder a productos y servicios del sistema financiero está determinada por factores relacionados tanto con las entidades que las ofrecen como con las características de quienes los demandan -- En este trabajo se explorará esa probabilidad en Colombia mediante un análisis enfocado en las características de la demanda, haciendo énfasis en la confianza otorgada por los individuos hacia el sistema financiero -- El análisis empírico se realizará con datos de corte transversal tomados del portal digital del Banco Mundial para el año 2014 -- La investigación constituye un aporte a la literatura sobre inclusión financiera, y un llamado de atención a las entidades financieras sobre lo importante que es generar confianza entre los consumidores -- En particular, se encontró que aquellos individuos que desconfían del sistema financiero tienen una menor probabilidad de acceder a los servicios que las entidades que lo conforman ofrecen -- Adicionalmente, la educación y el ingreso se asocian positivamente con el acceso a cuenta de ahorro formales
Corresponsales bancarios y brechas de género en la inclusión financiera : un análisis del impacto en el crédito y ahorro en Colombia
(Universidad EAFIT, 2024) Rojas Pérez, Eliana Marcela; Valencia López, Diana Catalina; Álvarez Franco, Pilar Beatriz; Restrepo Tobón, Diego Alexander
Creación de una app Fintech de crédito por descuento de nómina para la empresa Créditos e Inversiones de Colombia (CICOLSAS), como estrategia de crecimiento empresarial
(Universidad EAFIT, 2022) Valencia Tovar, Diana Marcela; Gómez Guerrero, David Wady; Durango Gutiérrez, María Patricia
This research was developed with the aim of designing a fintech app that offers credit through payroll deduction, for Créditos e Inversiones de Colombia (Cicolsas), Colombian Credits and Investments (in English). To do so, descriptive-analytical research was conducted in three steps: (1) definition of the app structure and content, (2) design of a tool to measure credit risk for the app (using a logistic regression model), and (3) identification of the necessary capital structure and its cost (through a CPPC methodology). As a result of the research, it was possible to develop an app with a landing page and nine information modules. Three types of users can get access to it: registered clients, non-registered clients, and administrators. It was integrated a credit scoring into the app, built with the historical information provided by Cicolsas. This credit scoring has sixteen predictive variables that allow the assessment of new clients’ default likelihood. Finally, an investment proposal of 1000 million COP has been established, funded with third-party and the company’s own resources, in a 50/50 proportion. This investment proposal has a global capital cost equivalent to 9,078% E.A.
Derechos del consumidor financiero ante negación o finalización unilateral injustificada de un producto bancario. Análisis desde una perspectiva del consumidor financiero
(Universidad EAFIT, 2024) Gil Jimenéz, Óscar; Nieto Nieto, Norma Cecilia
This article presents the results of the research project developed by the author to answer the question: What legal mechanisms exist in Colombia to protect the financial consumer when a banking entity decides to deny access or unilaterally terminate a contract? The text is presented in four main sections: the first deals with offering a characterization and approach to the definition of financial consumer; The second identifies and explains the protection and claim mechanisms available and the emerging rights for the consumer; thirdly, the avenues available to the financial consumer in the event of an eventual unjustified unilateral termination of a contract or unjustified denial of access to any product or service by a banking entity. To carry out the research, the qualitative legal research methodology was chosen, allowing the documentation, review and reading of the legal phenomenon that is intended to be studied, to recognize the structure of the financial system and the fundamental aspects of the relationship that exists between the consumer and the banking entities, and thus carry out an objective analysis of the access to the Financial System from the perspective of the growing area of Consumer Law.
Desarrollo de modelo de negocio : fintech de créditos en el sector de transporte en Colombia
(Universidad Eafit, 2020) Ramírez Posada, Juan Diego; Castellón Pérez, Edgar Andrés; Restrepo Tobón, Diego Alexander
Detección de puntos y tiempos de robo de información de tarjetas de crédito en comercio electrónico
(Universidad EAFIT, 2021) Velásquez Moná, Karen Lizeth; Almonacid Hurtado, Paula María; García Cruz, Ehidy Karime; López Rojas, Edgar
Determinantes de la inclusión financiera en países de ingresos medios para el año 2014
(Universidad EAFIT, 2017) Tafur Tenorio, Lisa; Rendón Aguirre, Manuela; Cardona Sosa, Lina Marcela
Determinants of Digital Financial Inclusion in Latin America and The Caribbean
(Universidad EAFIT, 2023) Díaz Lara, Juan Manuel; Agudelo Zuluaga, Daniela Isabel; Álvarez Franco, Pilar Beatriz; Cruz Castañeda, Vivian
Diseño del servicio en el negocio de las fintech : PaoPresta
(Universidad EAFIT, 2021) Betancourt Villamil, Paola Andrea; Cárdenas González, Yeffer Alberto; Giraldo Hernández, Gina María; Cadavid López, Ángela María; PaoPresta
Financial services have changed over the world. Currently, there are more companies that provide financial services through technological tools, without being a bank, which are known as fintech. PaoPresta is a Colombian fintech that lends up to 300.000 COP for a maximum 30 days. Nowadays, it has 46 VIP clients. Due to the knowledge of these VIP clients, a better market segmentation is sought. At the same time, through the Service Design, the retention of these clients is expected, and offering an optimal experience for users, will allow to consolidate a unique value proposition in the fintech market.
Efecto de la aplicación de NIIF sobre el análisis financiero de las empresas cotizantes en bolsa en un mercado emergente
(Universidad EAFIT, 2020) Angel Rojas, Camilo; Chica Zapata, Paola Andrea; Mesa Velásquez, Gloria Stella
With the implementation of the International Financial Reporting Standards, the financial statements presentation of the companies had variations, which implies a possible change in the financial analysis based on the main financial ratios. The objective of this research is to analyze the effects caused by the application of IFRS in the financial analysis carried out through the financial indicators of liquidity, indebtedness, profitability and the ROIC value inducer, of companies in the industrial sector listed on the Stock Exchange Market of Colombia. The methodology used in this paper is descriptive with a longitudinal cut, which allowed us to provide an analysis of the periods between the years 2013 up to 2018, finding that the application of IFRS in Colombia did not have a significant effect on the analysis of the median of the main financial indicators, however, it did have an impact on the analysis of the indicators of profitability of equity, return on invested capital and operating net working capital.
Estudio de las capacidades financieras de los obreros en la ciudad de Medellín
(Universidad EAFIT, 2017) Serrano Echeverry, María; Restrepo Tobón, Diego Alexander; Álvarez Franco, Pilar Beatriz
Low levels of Financial Capabilities (FC) around the world have aroused the interest of academics and public policy makers to understand their determinants and create programs that improve the financial well-being of the population -- The high costs of living and the complexity in financial decision making are decisive for the day-to-day life of Colombian families; understanding their financial skills and knowledge allows to explain in part the way they took financial decisions -- The purpose of this investigation is to make a diagnosis about the FC of the workers of the city of Medellín -- Studying the attitudes, behaviors and financial knowledge of the working population is potentially important for analyzing a segment that represents almost 50% of the Colombian population (DANE, 2017a); this portion of the population is characterized by strong financial constraints and is slightly marginalized to make decisions outside the financial system -- Knowing how people make decisions regarding the use of money, their main expenses, their sources of savings, among others, will be the task of this research -- The methodology consisted in using a survey to measure FC -- The sample consisted of 443 workers and work managers, who work in the same company, which meets the labor conditions required by law, and whose jobs are considered formal -- The results of this research show that people who have a higher level of education answered correctly a greater number of questions about financial literacy -- In general, the sample presents responsible attitudes toward money, has intentions to save and worries about a future -- However, it is reflected that, although there is a budget management in the home, the income is not enough to cover the expenses

Examinando por Materia "SERVICIOS FINANCIEROS"

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