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  • G21  (29)
  • M14  (27)
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  • 1
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    Sevilla: Universidad Pablo de Olavide
    Publication Date: 2019-04-24
    Description: This study aims to explore the key factors that may affect the entrepreneurial capacity of students of Higher Education Centers (CES). Once the factors were established, these were grouped into internal and external to the ESCs, then the AHP method was applied to determine the relative weights of each of the criteria to groups of experts belonging to different disciplines and Latin American countries. Through the consensus of the experts, the results indicate that internal factors that most influence the entrepreneurship of their students are "Entrepreneurial Spirit", "Work Experience" and "Performance of specific courses" and as external factors affect to a greater extent "The Networks", "Friends" and "Scope of development". The results of the study can be used as an important reference for educational establishments, to define strategies based on these factors, which help to improve ecosystems within their centers, effectively enhancing the entrepreneurial capacity of their students.
    Keywords: I23 ; M13 ; M14 ; ddc:330 ; entrepreneurship ; Higher Education centers ; entrepreneurial capacity ; entrepreneurial ecosystem
    Language: Spanish
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  • 2
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    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2019-09-21
    Description: En este trabajo se analiza la estructura y el grado de competencia en el mercado de préstamos bancarios de Argentina en el período 2006-2011. Para evaluar el grado de competencia se utilizó el modelo de Panzer-Rose y se diferenció entre bancos privados y públicos. Los resultados indican que tantos los bancos privados como los públicos desempeñan sus actividades en un marco de competencia monopolista.
    Keywords: C52 ; G21 ; L11 ; I13 ; ddc:330 ; competition ; banking industry ; Panzer-Rose model ; market structure
    Language: Spanish
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  • 3
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    La Paz: Institute for Advanced Development Studies (INESAD)
    Publication Date: 2020-02-06
    Description: This document analyzes the implementation of a financial system (software) for the Community Financial Institutions (CFEs) carried out between 2011 and 2012. The system was a set of financial modules that facilitated the administration of information and operational practices in each one of these entities. The use of the system was aimed at improving its institutional structure, as well as expanding its credits and increasing the income of its borrowers. By using qualitative methods (interviews) and quantitative data (Data Mart), it was possible to conclude that the system had benefits within the operational management of financial institutions, but it was not possible to demonstrate an evident impact in the increase of the credits and neither in the income of the borrowers.
    Keywords: O30 ; G21 ; D20 ; ddc:330 ; technological change ; microfinance institutions ; organization
    Language: Spanish
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  • 4
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    A Coruña: Colegio de Economistas de A Coruña
    Publication Date: 2020-02-11
    Description: This article studies the role of technology drivers in catching up at different stages of development. Countries can be at different stages of development when entering in a new catching-up cycle. Thus, the technological drivers of growth [technological capabilities, external spillovers, technological specialization and stability of policies in science and technology] can play different roles to accelerate the rate of growth and change their relative position in the leadership rank (win or lose the run). The empirical results show the building of a 'racing pattern' as countries climb up development stages. At earlier stages, infrastructures and qualification play a major role, while at upper stages, the maintenance of leadership depends on accumlating techno-scientific capabilities to innovate. The article also finds that R&D is crucial at any stage of development, as well as the stability of technology policies.
    Keywords: M12 ; M14 ; ddc:330 ; Database ; business intelligence ; financial information system ; decision making and knowledge base
    Language: Spanish
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  • 5
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    A Coruña: Colegio de Economistas de A Coruña
    Publication Date: 2019-02-14
    Description: The idea behind the methodology proposed in this paper is to show the utilities that it can offer, a software tool to make recommendations to the banking users when making a claim against a bad practice from their banks or wish to make an inquiry in order to ascertain the chances of a favorable decision by the Bank of Spain to a complaint in progress. The methodology used described uses recommendation algorithms based on content filtering, using database annual reports of the Claims Service of the Bank of Spain.
    Keywords: C88 ; G21 ; C60 ; C63 ; E58 ; G28 ; ddc:330 ; Algorithm ; Recommendation system ; Banking users
    Language: Spanish
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  • 6
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    Sevilla: Universidad Pablo de Olavide
    Publication Date: 2019-04-24
    Description: In the nineties in the financial sector, there was an unprecedented process of mergers and acquisitions in Europe. This trend started in the United States in the eighties, quickly spreading to Europe. The study analyzes the variables that have a marginal effect on the probability by a financial institution to participate in a process of financial restructuring as a merged or nationalized entity. For this, categorical models with endogenous variable are used to represent the different situations of absorption being considered. In the modeling process we have used the usual econometric techniques for variable selection and their financial interpretability.
    Keywords: C50 ; G21 ; ddc:330 ; CPI ; mergers ; nationalized ; marginal effects ; Basel III
    Language: Spanish
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  • 7
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    Amsterdam: Elsevier
    Publication Date: 2019-11-02
    Description: El proceso de venta del Banco de Valencia gestionado por el FROB duró 10 días. La venta se adjudicó a CaixaBank por un euro después de recibir 5.500 millones de fondos públicos. El informe de Oliver Wyman de 2012 motivó dicha reanudación. En él se estimaban unas necesidades de 1.846 millones en el escenario base, escenario que ha sido peor que el real. Este trabajo analiza el valor del BdV. Los resultados indican que el valor mínimo del BdV para CaixaBank es de más de 4.000 millones de euros. Sin embargo, no se ha podido determinar el porqué de esta diferencia. Diferencia reconocida en las cuentas de CaixaBank. Sin embargo, el precio pagado, un euro, después de un sacrificio muy importante de fondos públicos en una etapa de disminución del gasto y de prestaciones sociales es una cuestión que debería ser investigada.
    Description: The process of sale of BdV managed by the FROB lasted 10 days. The sale was awarded to CaixaBank for one euro after receiving 5,500 million euros of public funds. The Oliver Wyman report, published days before, drove this resumption. The needs that were estimated at Oliver Wyman report were 1,846 million euros in the baseline scenario, a scenario that has been worse than real. This paper analyzes the value of BdV. The results indicate that the minimum value of BdV for CaixaBank is over 4,000 million. However, this study could not determine why this difference. Difference recognized in the accounts of CaixaBank. However, the price paid, one euro, after a major sacrifice of public funds at a time of declining expenditures and social benefits is an issue that should be investigated.
    Keywords: G12 ; G21 ; G34 ; ddc:650 ; Valoración de empresas ; Banco de Valencia ; CaixaBank ; Company valuation ; Banco de Valencia ; CaixaBank
    Language: Spanish
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  • 8
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    Amsterdam: Elsevier
    Publication Date: 2019-11-02
    Description: Los recursos de naturaleza intangible se han convertido en los principales generadores de valor de manera sostenible en las empresas. En concreto, aquellos que permanecen ocultos en los balances debido a las dificultades que plantea su reconocimiento y medición (es decir, lo que se denomina capital intelectual). Si bien, el suministro por parte de las empresas de información voluntaria sobre estos recursos puede ayudar a reducir las posibles asimetrías de información y mejorar la transparencia informativa entre sus grupos de interés (stakeholders). En este sentido, los informes anuales son los principales medios de divulgación que tienen las empresas para suministrar información voluntaria. Sin embargo, en los últimos años, las memorias de sostenibilidad se han convertido en la principal vía de comunicación como mecanismo para legitimar las actuaciones de las empresas ante sus stakeholders. Así, nuestro objetivo es explorar y analizar el medio de comunicación que están empleando las empresas para suministrar información voluntaria sobre sus recursos intangibles ocultos. Los resultados obtenidos permiten concluir que se ha producido un cambio en la política de información empresarial y las memorias de sostenibilidad se han convertido en el principal soporte para suministrar información voluntaria a los stakeholders, además de ser un buen medio para suministrar información de los recursos intangibles.
    Description: Intangible assets have become the main sustainable value creation of companies. Specifically,those assets which remain hidden in the accounting statement due to the difficulties in identification and measuring (ie what is called intellectual capital). Voluntary information disclosed by companies on these assets can help to reduce symmetries of information and improve information transparency among stakeholders. In this sense, annual reports are the primary tool of information disclosure that companies have for provide voluntary information. In recent years, sustainability reports have become in the main means of communication as a way to legitimize the actions of companies to their stakeholders. Thus, our aim is to explore and analyze the means of communication used by companies to provide voluntary information about their hidden intangible assets. Results obtained indicate that there has been a change in corporate information policy and sustainability reports have become the mainstay to provide information voluntarily to stakeholders as well as being a good way to provide information of intangible resources
    Keywords: M14 ; M19 ; M41 ; ddc:650 ; Intangibles ; Capital intelectual ; Divulgación de información ; Informe anual ; Memoria de sostenibilidad ; Intangibles ; Intellectual capital ; Disclosure ; Annual report ; Sustainability report
    Language: Spanish
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  • 9
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    Amsterdam: Elsevier
    Publication Date: 2019-11-02
    Description: La financiación es un factor clave para el emprendimiento, especialmente en periodos de crisis, donde la restricción financiera dificulta más el crédito para nuevos proyectos empresariales de pequeñas y medianas empresas. Las Sociedades de Garantía Recíproca facilitan con su aval el acceso a préstamos a largo plazo. Este trabajo analiza la financiación bancaria del emprendimiento en España a través de las Sociedades de Garantía Recíproca del segmento de microempresas (menos de 10 trabajadores) en el periodo 2003-2012, para determinar si la crisis ha modificado sus necesidades de financiación. El análisis concluye que durante la crisis (2008-2012) ha cambiado la distribución de productos financieros, aumentando el peso de aquellos destinados a necesidades de tesorería, y los efectos son más intensos cuando la empresa tiene menor tamaño y más antigüedad.
    Description: Financing is key to entrepreneurship, especially in crisis period, when financial markets restriction hinders access to funding to small and medium enterprises. The Mutual Guarantee Institution facilitates funding to new businesses through guaranteed long term loans. This paper analyzes banking entrepreneurship financing to micro-enterprises (less than 10 employees) in Spain during the period 2003-2012, but only Mutual Guarantee Institution guaranteed enterprises, to determinate if financing products have changed. The analysis concludes that the financial products distribution has changed during the crisis (2008-2012), it has increased the weight of the products designed to liquidity, and the crisis effects are higher for smaller and older companies.
    Keywords: G01 ; G21 ; L26 ; ddc:650 ; Crisis ; Emprendimiento ; Financiación de pequeñas y medianas empresas ; Sociedad de Garantía Recíproca ; Crisis ; Entrepreneurship ; Small and medium enterprises funding ; Mutual Guarantee Institution
    Language: Spanish
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  • 10
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    A Coruña: Colegio de Economistas de A Coruña
    Publication Date: 2019-02-14
    Description: The maximization of profit as the main objective of companies is being criticized from different forums, advocating for an economic system in which the achievement of social sustainability will play a leading role. In the banking sector, after the outbreak of the crisis in 2008, financial bailouts that have used public funds to save various entities have provoked a current of opinion about the necessary social role that banking companies must develop. In this article, a case study is carried out analyzing the role of Corporate Social Responsibility (CSR) in ABANCA, the financial institution with the largest presence in Galicia (northwest Spain), which has been rescued with public money, Identifying a series of objectives and actions carried out by said entity. The analyzes carried out show, among others, the importance of trust and transparency, as well as attention to intangibles.
    Keywords: G30 ; G38 ; L21 ; M14 ; ddc:330
    Language: Spanish
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  • 11
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    Sevilla: Universidad Pablo de Olavide
    Publication Date: 2018-02-08
    Description: This research tested and empirically analyzes the in uence of certain intangibles business on the export performance of manufacturing SMEs. Specifically, the proposed research model assesses the relationship between participative management, entrepreneurial culture and innovative orientation, managerial capacity and export performance. Considering the innovative orientation as a key in these businesses to compete in foreign markets, and export performance as a measure of competitive success, elaborate on how it affects promote an entrepreneurial culture, and how it in uences managerial capacity to conquer external markets. The technique Partial Least Squares (PLS) has been applied in 180 manufacturing SMEs. The results show that the entrepreneurial culture is a mediating variable between participatory management style and innovative orientation of the company and managerial capacity affect export performance but not moderate the relationship between innovation and export performance orientation.
    Keywords: L21 ; M14 ; M3 ; ddc:330 ; entrepreneurial culture ; export performance ; innovative orientation ; participative management ; managerial ability
    Language: Spanish
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  • 12
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    Sevilla: Universidad Pablo de Olavide
    Publication Date: 2018-02-08
    Description: The importance of management systems for the integration of CSR in the company strategy is a vital resource that has been little studied in technology companies. In this paper a structural equation model is proposed in order to explain the in uence of CSR and its integration into the management system of the company. This in uence is facilitated by the existence of previous standardized management systems, and how this integration affects the strategy of the company and if this is a reflection on the economic performance of the technology company. The study was conducted in companies located in Spanish Science and Technology Parks. On the one hand, model results shows that there is a positive, direct and statistically significant relationship between the integration of CSR and strategy; on the other hand, performance and integration has also this relationship. Likewise, the model shows also some indirect evidence relations between Management System before the implementation of CSR and performance.
    Keywords: M14 ; ddc:330 ; structure equation modeling ; corporate social responsibility ; technology companies ; integration ; performance
    Language: Spanish
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  • 13
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    Sevilla: Universidad Pablo de Olavide
    Publication Date: 2018-02-08
    Description: The importance of micro-entities due to their generation of employment and propelling economic activity, together with the fact of their particularities, implies the need to design appropriate methods that anticipate their bankruptcies. For that purpose, a hybrid model by combining parametric and nonparametric approaches is developed in this paper. First, the variables with the highest predictive power to detect bankruptcy are selected using logistic regression (LR). Subsequently, a non-parametric method, namely regression trees and classification (CART), is then applied to companies classified as "bankruptcy" or "non-bankruptcy". Our results show that this model provides a better result than when it is implemented in isolation, which joins its easier interpretation and faster convergence. Moreover, we demonstrate that the introduction of non-financial and macroeconomic variables complement the financial ratios for bankruptcy prediction. Findings are based on a data set of micro-entities (MEs), as recently defined by the European Union.
    Keywords: G33 ; G41 ; G21 ; G32 ; ddc:330 ; micro-entities ; bankruptcy models ; hybrid methods ; nonparametric methods ; decision trees ; micro-entities
    Language: Spanish
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  • 14
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    Amsterdam: Elsevier
    Publication Date: 2018-12-20
    Description: Integrated reporting (IR) is one of the latest innovations regarding sustainability reporting and non-financial information in the world. Although some companies began IR practices in the 2000s (Eccles & Krzus, 2010), IR has only been recognized since 2010 as the best way to get a complete picture of the value of organizations, overcoming the limitations of traditional reports (Eccles & Krzus, 2010; Jensen & Berg, 2012; Abeysekera, 2013).Our research aims to analyze this innovative reporting trend. To do this, we first review some practices in the annual reports published by the pioneering companies in IR, then, we present the antecedents for the current IR framework. Finally we look into the process that the International Integrated Reporting Council has followed to develop the framework, pointing out some milestones for the widespread adoption of integrated reporting.Our findings suggest that reporting practices have been ahead both from theoretical developments and institutional efforts. However, private regulators continue to have a major influence on the theoretical definition of standards that are intended to guide IR and the development of accountability practices to stakeholders.
    Keywords: M14 ; M40 ; ddc:650 ; Integrated reporting ; Reporting ; Financial and non-financial information ; First integrated reporting practices ; International Integrated Reporting Council pilot programme ; The International Integrated Reporting Framework
    Language: Spanish
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  • 15
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    Barcelona: Elsevier España
    Publication Date: 2018-08-23
    Description: Analizar los factores que influyen en la sostenibilidad es clave para llegar a alcanzarla. En base a la Teoría de los Recursos y las Capacidades (Grant, 1991), desarrollamos un modelo de gestión que determina los factores explicativos de la sostenibilidad de las instituciones microfinancieras (IMF). El modelo empírico se desarrolla aplicando análisis de componentes principales y regresión logística, sobre una muestra de 313 IMF, con 31 variables financieras agrupadas en seis componentes/factores que están teóricamente relacionadas con su autosuficiencia. Nuestros resultados muestran una relación significativa y positiva entre el tamaño y la eficiencia-productividad de las IMF con su sostenibilidad, presentando el factor riesgo de crédito una relación inversa con respecto a dicha sostenibilidad. Por tanto, sugerimos que las IMF que quieran continuar desarrollando su actividad bajo un enfoque de autosuficiencia, deben fomentar una estrategia de gestión orientada hacia: (1) el aumento de la eficiencia-productividad, (2) el control exhaustivo del riesgo de crédito y (3) el incremento del tamaño para la consecución de economías de escala. La capacidad predictiva del modelo es alta, con un área bajo la curva ROC (AUC) del 89.7%.
    Description: The analysis of the factors that influence sustainability is the key to achieving it. Based on the Theory of Resources and Capabilities (Grant, 1991), a management model that determines the explanatory factors of the sustainability of microfinance institutions (MFI) is developed. The empirical model is constructed by applying a principal component and logistic regression analysis using a sample of 313 MFI, with 31 finance variables, grouped into 6 components/factors that are theoretically associated with self-sufficiency. The results obtained showed a significant and positive relationship between size and the efficiency-productivity of the MFI and their sustainability, with the credit risk factor having an inverse relationship as regards that sustainability. Thus, it may be suggested that the MFI that wish to continue developing their activity using a self-sufficiency approach must promote a management strategy oriented towards: (1) an increase in efficiency-productivity, (2) the exhaustive control of credit risk and, (3) the increase in size in order to achieve economies of scale. The predictive capacity of the model is high, with an area under the ROC curve of 89.7%.
    Keywords: G21 ; ddc:330 ; Microfinanzas ; Sostenibilidad operativa ; Teoría del cambio organizacional ; Autosuficiencia ; Microfinance ; Operational sustainability ; Theory of organisational change ; Self-sufficiency
    Language: Spanish
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  • 16
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    Amsterdam: Elsevier
    Publication Date: 2019-03-14
    Description: In adjustable interest loans the borrower assumes the risk of interest rate rising, which leads to the growth of loan annuities. Given the importance of this risk in both corporate and personal finance, it is a recurrent topic in economic and financial press. In this paper, we show that the duration of a loan with constant annuity and interest rate can be used to assess the sensitivity of payments of an analogous loan with adjustable interest rate. Also, we develop an empirical application on official indexes of the Spanish mortgage market during the period 2009-2013. We find that EURIBOR is the index that causes less volatility in the mortgage annuity. Likewise, we also obtain that the average rate of loans for house purchasing in the euro zone is the index that cause greater volatility in the payments of loans.
    Keywords: D14 ; G12 ; G21 ; ddc:330 ; Adjustable rate loans ; Postpayable amortization ; Constant annuity loan ; Duration ; Indexes of the Spanish mortgage market
    Language: Spanish
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  • 17
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    Amsterdam: Elsevier
    Publication Date: 2019-03-14
    Description: This article presents a review of the studies on on boards of directors and corporate social responsibility practices in the banking industry. Several characteristics of bank boards, in particular independence and diversity, may impact their CSR commitments. By studying a sample of 159 banks in nine countries during the period 2004-2010, there is evidence that suggests that banks with more independent and diverse directors follow a path of socially responsible behaviour.
    Keywords: G21 ; M14 ; ddc:330 ; Corporate governance ; Board of directors ; Corporate social responsibility ; Banks
    Language: Spanish
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  • 18
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    Amsterdam: Elsevier
    Publication Date: 2019-03-14
    Description: This work has the aim of analyzing the influence of bank and trade debt in the duration of the process of bankruptcy in Spain. To that end, a sample of 567 firms, that fill in bankruptcy between 2004 and 2009, is used. The results show a different behavior between banks and trade creditors, considering the level of their debt and the type of bankruptcy resolution. Thus, whereas the former allow a lengthening of the process, the latter try to reduce it. In addition, those results remain in the sample of firms that liquidate, whereas in the firms that reach an agreement, only the attitude of trade creditors is relevant, who besides, have a different behavior depending on the type of resolution.
    Keywords: G21 ; G33 ; K22 ; ddc:330 ; Bankruptcy ; Bank debt ; Trade debt ; Time of bankruptcy
    Language: Spanish
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  • 19
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    Buenos Aires: Banco Central de la República Argentina (BCRA), Investigaciones Económicas (ie)
    Publication Date: 2018-07-03
    Description: We study the interest rate spread of the Argentine financial system during the last eighteen years. We analyze Granger causality of selected variables, and estimate econometric models that relate spread to macroeconomic and microeconomic factors. Resuls indicate that output growth and monetization reduce spread during the whole period, while country risk and prices are significant only by subperiods, suggesting changes in macroeconomic context. Banking system variables also have significant impacts, including: taxes, administrative expenses, non-performing loans, the use of own resources and liquidity.
    Keywords: C22 ; E44 ; G21 ; ddc:330 ; Zinsstruktur ; Kausalanalyse ; Ökonometrisches Modell ; Wechselkurs ; Argentinien
    Language: Spanish
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  • 20
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    A Coruña: Colegio de Economistas de A Coruña
    Publication Date: 2016-09-24
    Description: The Protocol for Socially Responsible Territory is the result of a local sustainability management experience, which has demonstrated the importance of public administration in social innovation. This article describes the process through which such protocol was obtained, its characteristics and its principles as well as the strengths that this protocol offers. The definition of Socially Responsible Territory (TSR) is presented as a contribution to the theoretical development of a new research area, whose prospects are favored by the potential practical effects on public and corporate alliances locally. This protocol offers competitive advantages to governments who are preparing to seize the opportunities from the Europe 2020 Strategy for Growth.
    Keywords: M14 ; R58 ; R11 ; ddc:330
    Language: Spanish
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  • 21
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    Sevilla: Universidad Pablo de Olavide
    Publication Date: 2017-08-04
    Description: This study aims to analyze the Spanish financial entities that were bailout by the European Union with the main objective to discern the different char- acteristics among them and find out the reasons why in some cases some of them were merged, in other were taken over and in the most problematic cases, needed public funds. Although most of them were saving banks, this paper is not limited to them as the process also affected some banks. The main question is if the financial and accounting information should have been relevant in order to determine the ending situation. However, the re- sults lead to a different conclusion. Applying some statistical techniques (ANOVA, principal component analysis and cluster), the results show that it is not possible to group those entities by common characteristics and, therefore, the information used in this research has not been crucial for the subsequent development of these institutions.
    Keywords: G01 ; G21 ; C01 ; C16 ; ddc:330 ; financial sector ; crisis ; multivariate techniques
    Language: Spanish
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  • 22
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    Buenos Aires: Banco Central de la República Argentina (BCRA), Investigaciones Económicas (ie)
    Publication Date: 2019-08-30
    Keywords: C31 ; G21 ; G28 ; R12 ; ddc:330
    Language: Spanish
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  • 23
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    Amsterdam: Elsevier
    Publication Date: 2019-03-14
    Description: This study analyses the social and environmental research published in Spanish journals between 2004 and 2012. The main areas of concern of the Spanish researcher are analysis of Spanish practices, external publication, attitude studies and the different theoretical frameworks. There are also encouraging changes in the methodological approaches used, placing greater importance on empirical research with the conducting of field and case studies, at the same time as analysis of different statistical relationships, from interviews and content analysis, although without the features of cooperation and interactivity typical of dynamic, and innovative knowledge production communities. There appears to be some difficulty in getting published in Spanish journals, and generating critical social and environmental research is even harder.
    Keywords: M14 ; Q56 ; ddc:330 ; Research ; Methods ; Spain ; Corporate social responsibility ; Sustainable development
    Language: Spanish
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  • 24
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    La Paz: Institute for Advanced Development Studies (INESAD)
    Publication Date: 2018-11-19
    Keywords: I14 ; I24 ; I32 ; I38 ; J13 ; J16 ; J71 ; G20 ; G21 ; ddc:330
    Language: Spanish
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  • 25
    Book
    Book
    Tübingen : Mohr Siebeck
    Keywords: Martiny, Dieter ; Europäische Union ; Internationales Privatrecht ; Internationales Prozessrecht ; Ausländisches Recht ; Rechtsvergleich ; Deutschland ; Aufsatzsammlung ; Bibliografie ; Festschrift ; Deutschland 03.10.1990- ; Europäische Union ; Internationales Privatrecht ; Internationales Prozessrecht ; Ausländisches Recht ; Rechtsvergleich ; Martiny, Dieter
    Type of Medium: Book
    Pages: XIV, 1307 S. , Ill., graph. Darst.
    ISBN: 9783161532580
    DDC: 340.9
    RVK:
    Language: German , English , Spanish
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  • 26
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    Amsterdam: Elsevier
    Publication Date: 2019-03-14
    Description: This research intends to show whether the prevalence of individualistic or collectivist cultures in an organization can moderate the effects of the human resource policies on business performance. To date, there is a lack of literature which analyzes this relationship. A sample of 102 companies, situated in southern of Spain, with more than 100 employees was used for this study. In accordance with the statistical analysis conducted using Structural Equation Modeling Partial Least Squares (SEM-PLS) results reveal the existence of the moderating effect.
    Keywords: L25 ; M12 ; M14 ; M50 ; ddc:330 ; Human resource practices ; Employees commitment ; Organizational performance ; Individualism/collectivism
    Language: Spanish
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  • 27
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    Amsterdam: Elsevier
    Publication Date: 2019-03-14
    Description: The aim of this paper is to analyze the phenomenon of corporate social responsibility (CSR) in the Spanish banking sector through social responsibility reports. Based on the theories of legitimacy and Stakeholders justified the use of CSR to analyze the behavior information about its environment. As survey methodology used content analysis, in particular are analyzed and compared the information practices in relation to four pillars on which the RSC is organized: customers, community, employees and the environment. In particular, it proposes a content index of liability (IDR) that measures the quality and detail of information provided. The study concludes that the community and environment categories are the most generally reported, although nature are social institutions (savings banks and credit unions) more transparent about customers and community is concerned, on the evolution during the recent years have seen that the transparency of information does not increase, but remains stable or even decreased as in the case of the contents on customers, in addition, we find that the contents are related to the internal activity of the company remains concerned about the most institutions to address the impacts of their activities as financial intermediaries.
    Keywords: M14 ; ddc:330 ; Content analysis ; Financial institutions ; Global reporting initiative ; Corporate social responsibility
    Language: Spanish
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    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2018-06-28
    Description: Este trabajo presenta el concepto de JIT (Just-In-Time, o justo a tiempo) y ofrece aplicaciones en la Argentina. En la Parte I, pone el JIT en el contexto de la gestión japonesa (management japonés): destaca las características de esta gestión, y resume su evolución a lo largo de las últimas décadas. Hace hincapié en la gestión de la producción y analiza los desafíos, críticas y las teorías de la convergencia con los sistemas occidentales que se han examinado a lo largo de los últimos 20 años. El artículo examina los desarrollos de la gestión japonesa en el extranjero y, en particular, las prácticas de la gestión japonesa en la Argentina. En particular, estudia las condiciones para el éxito o fracaso de la transferencia de este estilo de gestión en diversos países, incluyendo la Argentina. También estudia la posibilidad de transferencia parcial de algunos elementos del sistema y su aplicación en empresas japonesas y no japonesas. En la Parte II, se presenta un marco teórico del JIT como: (a) una filosofía; (b) un conjunto de técnicas productivas; (c) un método de la planificación y control de la producción. Finalmente, se trata con aplicaciones del JIT en las siguientes empresas: McDonald's, Wal-Mart, Zara, Alpargatas, Toyota, Becher Logística, Motor Parts y Master Trim. Como conclusión de estos estudios de caso, se llega a que el JIT es aplicable en la Argentina.
    Keywords: F23 ; M10 ; M11 ; M12 ; M14 ; P51 ; ddc:330 ; Just-In-Time ; gestión japonesa ; gestión japonesa en el extranjero ; transferibilidad de la gestión japonesa ; empresas internacionales ; empresas internacionales japonesas ; corporaciones multinacionales japonesas ; kanban
    Language: Spanish
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  • 29
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    Amsterdam: Elsevier
    Publication Date: 2019-01-15
    Description: Micro.enterprises have certain attributes that distinguish them from large companies and from those that see problems when adopting principles and social responsibility policies. However, the principles of social responsibility can and should be integrated into any organization, including micro.enterprises. In this paper, we study how cooperation networks could be an appropriate incentive for the micro.enterprises to implement social responsibility policies, strengthening some advantages and mitigating some disadvantages that micro.enterprises may have when dealing with such policies, and enhancing, ultimately, the level of development of their relational and structural capital. In preparing the study theoretical model is proposed that analyses the components of these types of capital in the company, adapted to the micro.enterprise as well as studying the influences that social responsibility policies and membership of cooperation networks can have on these components.
    Keywords: M10 ; M12 ; M13 ; M14 ; L14 ; ddc:650 ; networking ; micro-enterprise ; social responsibility ; relational and structural capital
    Language: Spanish
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  • 30
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    Buenos Aires: Banco Central de la República Argentina (BCRA), Investigaciones Económicas (ie)
    Publication Date: 2018-07-03
    Description: Economist usually think and work taking into account the temporal dimension of economic and financial processes. Time plays a key role in the economic decision making process and is a fundamental input for statistical models useful to analyze and predict social behavior. Thus time invades our practice. By contrast the role of territory in economic analysis is far more neglected. Territory is usually subsumed in other dimensions which are related, but are different. As a generator and promoter of public policies, the Central Bank of Argentina undergoes periodic efforts to measure, study and analyze the access and use of financial services by households and businesses in Argentina. The information gathered for this purposes, although descriptive, presents limitations on the spatial analysis that can be derived from it. Hence, we have systematized the information available to the Central Bank in the last ten years to move beyond that limitation. The result is a set of economic and financial variables and aggregate indicators of financial services market, demand and supply for 3431 Argentine localities. Furthermore, this paper, albeit being preliminary, proposes a system of geo-referenced local indicators which can be used as input for the formulation of economic and financial policies.
    Keywords: C81 ; G21 ; R12 ; R38 ; ddc:330 ; financial inclusion ; financial policies ; financial services ; geo-referenced local indicators ; spatial analysis ; Regionaler Finanzsektor ; Argentinien
    Language: Spanish
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  • 31
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    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2018-06-28
    Description: El desarrollo de proveedores es una actividad que enriquece la gestión de la cadena de suministro, dotándola de mayor valor a través del aporte mutuo entre empresas clientes y subcontratistas. Este aporte incluye nuevas tecnologías, know-how, herramientas de la calidad y organización del trabajo, además de negociaciones sobre la política de precios, entre otros temas. En este trabajo presentamos sus conceptos fundamentales. Nos basamos, ante todo, en la Guía para el Desarrollo de Proveedores de ONUDI, que analizamos con detenimiento como material de referencia obligado. Estudiamos las etapas de un programa de desarrollo de proveedores, que incluyen, entre otras, las siguientes: análisis de los requerimientos de los clientes; selección de los subcontratistas; diagnóstico de los productos, procesos y productividad de los subcontratistas; análisis de las facultades de los subcontratistas para cumplir con los requerimientos de sus clientes; formulación de las recomendaciones técnicas; capacitación de los subcontratistas; aplicación de las recomendaciones; y análisis de la posibilidad de establecer alianzas y fortalecer las existentes. Examinamos los objetivos principales del desarrollo de proveedores que son, fundamentalmente, tres: lograr la reducción de los costos, ajustar la política de precios, y mejorar la tecnología, en sentido amplio. También dedicamos atención a las normas de la serie ISO 9000, que hacen referencia al desarrollo de proveedores. Tratamos con cierto detalle las dificultades del desarrollo de proveedores; las describimos y presentamos algunas herramientas para facilitar la gestión del cambio. Entre estas incluimos la educación y el entrenamiento, la atención a la cultura organizacional, la motivación y las recompensas, y el ejercicio del liderazgo. Finalmente, presentamos el resumen de cuatro estudios de caso, tres de ellos reales y uno hipotético, para destacar los efectos económicos y de otro tipo del desarrollo de proveedores; el estudio hipotético, en particular, ofrece algunos principios orientadores del sistema de desarrollo de proveedores, sus elementos motivadores y breves consideraciones para mejorarlo, así como posibles contenidos de un programa. El artículo constituye una invitación a abordar el estudio y la aplicación de estas técnicas, dada la capacidad que tienen para mejorar la ecuación económica de la cadena de suministros y beneficiar a todos los interesados en su progreso.
    Keywords: M10 ; M12 ; M14 ; ddc:330 ; desarrollo de proveedores ; cadena de suministro ; contratista ; subcontratista ; gestión del cambio ; bolsas de subcontratación y de alianzas industriales ; educación y entrenamiento ; John Deere & Co. ; Maruti Udyog Ltd. ; FUJUDES
    Language: Spanish
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  • 32
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    Washington, DC: Inter-American Development Bank (IDB)
    Publication Date: 2015-09-02
    Description: Microfinance institutions (MFIs) have been successful in providing credit to millions of low-income borrowers in groups previously excluded from formal financial services, but they often charge interest rates that many claim are excessive. We examine microfinance interest rates and their determinants in order to understand how these rates might be lowered. Using high-quality financial data from 29 institutions in seven countries over a period of four years, and drawing on information from field visits with clients, we explore patterns of cost and efficiency in MFIs. We find that improved operational efficiency comes with increased competition and institutional age, or learning by doing. Encouragingly, our regression analysis shows patterns of profit-making MFIs charging lower interest rates. We also find that interest rate caps reduce the outreach of these institutions to the poor, women, and rural clients.
    Keywords: G21 ; O16 ; E43 ; ddc:330
    Language: Spanish
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  • 33
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: Here we describe the origins, evolution and classification of stakeholders. It highlights the relationship created between the credit institution as a social organization and its various stakeholders, analyzing the importance attached to them. The field work was conducted through a questionnaire answered by 57 Spanish institutions. The results show the sensitivity of banks to CSR (Corporate Social Responsibility), with regard to the entire Spanish financial sector. Our goal is to analyze the importance of the various stakeholders: shareholders, employees, customers, suppliers, community and public administration for the Spanish credit institutions. Credit institutions focus their interest mainly on two interest groups: employees and customers. Transparency and open dialogue about performance, priorities and future plans for sustainability are actions to be implemented in order to inspire confidence and future.
    Keywords: G30 ; M14 ; ddc:330 ; corporate social responsibility ; credit institutions ; stakeholders
    Language: Spanish
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  • 34
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: In the past few decades a large number of studies have been carried out aimed at integrating and incorporating ethics into organizations, mainly highlighting the need to enhance ethical behavior within organizations. However, none of them makes any reference in their approach concerning the value which is generated as a consequence of organizational ethics, when not only several studies have been found supporting such statement but also a theoretical justification is found based on the perspectives of the Resource-Based View of the Firm and Dynamic Capabilities. Therefore, the authors of this study, starting from a model previously designed (Ruiz-Palomino y Ruiz-Amaya, 2011), have designed an integrating model as an attempt to link an ethical organizational culture to the business value generation by means of human resources. To be precise, attention in this paper is focused on the analysis of the direct and indirect effects that an ethical organizational culture has on the value job response of the employee. Discussion of the model, managerial implications and directions for future research are finally presented.
    Keywords: M1 ; M10 ; M14 ; ddc:330 ; organizational culture ; resource-based view of the firm ; dynamic capabilities theory ; business value ; business ethics ; person-organization values fit
    Language: Spanish
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  • 35
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    A Coruña: Colegio de Economistas de A Coruña
    Publication Date: 2020-05-15
    Description: This article aims to identify the most relevant variables that allow through a neural network model (RNA), with supervised learning, in a kind of error correction and feedforward perceptron multilayer architecture to achieve the best predictors of low risk, in the process of microcredit. Academic studies on the topic are limited, since the raw material for your application, in most cases is not made public. This information (databases), it becomes an intangible asset for financial institutions, who permanently develop methodologies for the grant, being the essence of your business, in managing risks. Also implies that, according to the experience every time record is unique and particular and universal cannot make the application of a model. Information was available on the behavior of one hundred and sixteen thousand borrowers in a horizon of three years, after debugging. The study found that the selected model (M105), provides a better estimate of borrowers classified as Hazardous with a 38.8% and an overall 58.5% correct. In the case of borrowers 45,953 presented to the network as Risky, failed to qualify in this category to 17,853. Also there is a wrong classification rate of 61.1%, corresponding to 28,100 borrowers. That is, the number of borrowers classified as Not Hazardous.
    Keywords: C14 ; C45 ; D14 ; D87 ; G21 ; ddc:330 ; Mikrofinanzierung ; Finanzintermediär ; Kreditrisiko ; Neuronale Netze ; Kolumbien
    Language: Spanish
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  • 36
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    Ciudad de México: Banco de México
    Publication Date: 2018-07-03
    Description: Following the Hotelling model of spatial competition used by Massoud and Bernhardt (2002) to analyze competition in ATM fees, in this paper we analyze the effects of banning fees on the usage of ATMs by account holders. We find that the prohibition also reduces the fees charged to non-account holders but increases fixed fees. This latter increase is on average smaller than the decrease of the former two, which leads total consumer welfare to increase. We also find that the prohibition decreases total surplus but that this decrease is absorbed by the banks' profits. The model does not consider the decision of banks to open or closedown ATMs, which we leave for future research.
    Keywords: G21 ; L51 ; D40 ; ddc:330 ; banking competition ; ATM fees ; bank regulation ; retail banking ; Electronic Banking ; Bankentgelt ; Bankenregulierung ; Privatkundengeschäft ; Räumlicher Wettbewerb ; Mexiko
    Language: Spanish
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  • 37
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    Sevilla: Universidad Pablo de Olavide
    Publication Date: 2017-08-04
    Description: The management of stakeholders is becoming increasingly important to the corporate sustainability. The engagement of stakeholders gives legitimacy to the company, generating trust and credibility. The enterprises that are seeking sustainability in their activities must know stakeholders, promote dialogue, meet the demands and expectations, and be transparent in the accountability for their actions. The sustainable company triggers continuous improvement and innovation and seeks for social acceptance to achieve success in their activities. In this context, our focus is on thinking about the main challenges faced by companies pursueing sustainable development through effective management of their stakeholders. We further propose the use of flexible tools that aid employers in decision making and help them improve the stakeholder management.
    Keywords: M10 ; M14 ; ddc:330 ; stakeholders ; corporate sustainability ; decision-making ; fuzzy logic
    Language: Spanish
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  • 38
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: In the literature on business ethics a large number of studies can be found with a focus on establishing comprehension frameworks concerning the factors which make an individual behave ethically or unethically. However, the models proposed up to the present moment are excessively generalists, as there are no specifications on those factors which are presented as more prominent in terms of influence according to the empirical literature. The purpose of this paper is to develop an explanatory model that in addition to allowing a better comprehension of the main factors influencing on the individual's ethical behaviour. For this aim we review the most significant contributions in the literature on this aspect and raise a series of theoretical propositions which define the explanatory model. Finally we present the discussion of the model, thus drawing a series of conclusions and proposing future lines for research.
    Keywords: M1 ; M10 ; M14 ; ddc:330 ; ethical/unethical behaviour ; organizational ethics ; individual characteristics context ; explanatory model
    Language: Spanish
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  • 39
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: The objective of this research is to analyze the basics elements of the Spanish financial entities new approach in the financial cards business, as well as the merchant's new role in its development. For this purpose, a questionnaire was sent to 60 managers in the cards business in such entities. After analyzing the results of the 44 received questionnaires, we may conclude that this new approach should focus in promoting revolving and installment operations through financial cards. Additionally, it is verified that the merchants will need to play a relevant and rewarded role in promoting and prescribing these finance operations
    Keywords: G21 ; ddc:330 ; financial cards ; interchange rates ; financial institutions management
    Language: Spanish
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  • 40
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: This study focuses on the structure of the board of directors that is considered more suitable in terms of corporate social responsibility, and also on those contextual factors that could influence the socially responsible behavior of family firms. Empirical analysis on 535 non-listed Spanish firms leads to the identification of three clusters in terms of the variables related to boards´ structure: family dominated boards, professional boards and immature boards. Results show that the firms that have boards' structure with more potential for a socially responsible behavior (professional boards) are the ones who are bigger, older and with higher generational evolution.
    Keywords: M14 ; M19 ; ddc:330 ; family firm ; board of directors ; social responsibility ; stakeholders.
    Language: Spanish
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  • 41
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    A Coruña: Colegio de Economistas de A Coruña
    Publication Date: 2020-05-15
    Description: Corporate social responsibility (CSR) meaning the active and voluntary contribution of firms to enhance welfare, is achieving a greater importance in Business administration as an intangible asset which management generates competitive advantages and promotes sustainable development. This work indentifies similarities between CSR management and Intellectual Capital management, this one meant as those activities which help us to manage the knowledge of the firm. Our aim is that firms understand the importance of considering CSR as a corporate strategy that enhances the value of the organization, and that they become conscious about its efficiency and efficacy.
    Keywords: M12 ; M14 ; M15 ; M48 ; ddc:330
    Language: Spanish
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  • 42
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    Washington, DC: Inter-American Development Bank (IDB)
    Publication Date: 2015-02-17
    Description: Este documento analiza la importancia de la integración financiera en Centro América, enfatizando los efectos de la actual crisis internacional sobre los sistemas financieros de la subregión. Después de presentar evidencia sobre la integración financiera en Centro América y la compara con otros países de América Latina y otras regiones del mundo en vías de desarrollo, se describen dos factores importantes que han caracterizado el proceso de integración financiera en la última década y se analizan los efectos de la integración financiera y de la participación de la banca extranjera. Motivado por la actual crisis internacional, se enfatiza la respuesta de las variables financieras locales a shocks financieros internacionales. Finalmente, el documento deriva conclusiones y adelanta recomendaciones de política económica.
    Keywords: F36 ; G21 ; ddc:330 ; Integración financiera ; Sistemas financieros ; Centro América
    Language: Spanish
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  • 43
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    Buenos Aires: Banco Central de la República Argentina (BCRA), Investigaciones Económicas (ie)
    Publication Date: 2018-07-03
    Description: The profit-maximizing and oligopoly bank model developed by Bresnahan and Lau allows determining the degree of market power held by an average bank. The equilibrium price equation includes a mark up, which is not used in the case of perfect competition but which is partially used in the case of oligopoly or monopolistic competition, and it is fully used in the case of monopoly. This paper explores the degree of competition in the credit market of Argentina in the period 2002-2007. The hypothesis of perfect competition in the loan market can be rejected.
    Keywords: E43 ; E51 ; F36 ; G21 ; L1 ; ddc:330 ; Argentina ; banks ; Cournot equilibrium ; market power ; loan markets ; oligopoly ; perfect competition ; Bank ; Kreditmarkt ; Marktstruktur ; Argentinien
    Language: Spanish
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  • 44
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    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2018-06-28
    Description: Numerosos conceptos se entrelazan para dar lugar al concepto de gobernancia de una empresa, tanto en el caso de las empresas cotizantes como el de las pequeñas y medianas empresas (pymes). Para que la gobernancia se concrete y sea efectiva, es necesario traducir sus conceptos en acciones que transformen la realidad de la firma y su entorno en el sentido exigido por los conceptos. Las empresas grandes, sobre todo si están bien organizadas, cuentan en general con mecanismos adecuados de planificación y control para llevar a la práctica sus acciones de gobernancia. Las pymes, por su parte, caracterizadas por menores recursos relativos, tienen grandes dificultades metodológicas y conceptuales para implementar y mantener una arquitectura de gobernancia. En las últimas tres o cuatro décadas, sin embargo, se han difundido en el mundo algunas técnicas japonesas de gestión que pueden aplicarse en la implementación y consolidación de la gobernancia. Estas aplicaciones, naturalmente, son posibles tanto en las grandes firmas como en las pequeñas, pero hacemos hincapié en estas últimas porque en ellas encontrarán un terreno fértil para la aplicación inmediata y fecunda. Esta aplicación, que permitirá realzar la gobernancia de la pyme en pocos meses, solo depende de la decisión de un gerente inquieto dispuesto a transformar su organización. En este trabajo, presentamos los conceptos básicos de gobernancia y su aplicación en las pymes, mostramos los rudimentos de algunas herramientas japonesas de gestión e ilustramos con breves ejemplos cómo estas herramientas pueden utilizarse para implementar y mejorar la gobernancia de una pyme. Las herramientas consideradas son: un indicador de gobernancia pyme, basado en la estructura –aunque no necesariamente los contenidos- del Premio Deming, el premio nacional japonés a la calidad; la gestión hoshin; y los sistemas de reuniones eficaces.
    Keywords: M10 ; M12 ; M14 ; ddc:330
    Language: Spanish
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  • 45
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    Santiago de Chile: Universidad de Chile, Departamento de Economía
    Publication Date: 2012-11-22
    Description: In this article we develop a microeconomic framework to study the relationships among privatization, competition for deposits and performance in banking. Particularly, we analyze banking privatization when competitive strategies of the Cournot and Stackelberg types are allowed. Our findings show that some conditions are necessary to justify it under the following criteria: (i) efficiency, (ii) market power/financial stability and (iii) consumption availability for depositors. They also show that privatizations are relatively easy to justify when leader-follower relationships are allowed in the banking system. Even government revenues, due to privatization, are higher when these relationships exist.
    Keywords: G21 ; D43 ; D92 ; ddc:330 ; banking ; privatization ; competition ; performance ; deposits
    Language: Spanish
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  • 46
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: The main objective of this paper is to determine if it is possible to find within the credit market any restrictions, for instance to credit concessions and its commercial conditions to more little firms or to those that do not have a strong relationship whit their usual banks, and, if the credit rationing is properly perceived by firms. The quantitative research was based on information obtained from questionnaires sent to 816 companies and from the accounting information that by law must be at the disposal of the public scrutiny. The conjoint analysis allowed us to determine the type of existing credit rationing within the credit market, as well as factors influencing and determining. Finally, we conclude with a set of recommendations for the different enterprises, the financial entities as well as public institutions for the amelioration of the efficiency of the banking credit market and the reduction of negative consequences of the credit rationing.
    Keywords: G21 ; G14 ; ddc:330 ; credit rationing ; banking relationship ; financing SMEs ; credit market ; lending relationships
    Language: Spanish
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  • 47
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: This paper analyses financial performance of companies considered as highly socially responsible. For this purpose, companies that compose the Spanish sustainability index FTSE4Good IBEX (as well as other IBEX indices) are examined. Two basic results can be highlighted: first, stocks of companies that are socially responsible earn returns on excess over systematic risk, making them investment-attractive. Second, they have a higher systematic risk.
    Keywords: G30 ; M14 ; ddc:330 ; corporate social responsibility ; socially responsible investment ; FTSE4Good IBEX ; sustainability index ; ethical alpha
    Language: Spanish
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  • 48
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    Amsterdam: Elsevier
    Publication Date: 2018-12-19
    Description: This paper analyzes the most relevant factors of organizational culture that appear in Global Manufacturing Virtual Networks (GMVNs). These organizations are formed by highly dynamic manufacturing companies, that may even be even competitors, which establish horizontal and vertical relations among themselves, and where it is not necessary to maintain internally many manufacturing assets but to manage and share efficiently network resources. This study of organizational culture at the network level includes aspects such as the similarity of cultural practices, social embeddedness, tacit knowledge transfer or the importance of trust in the network. By using the proposed theoretical model, it will analyzed the presence, under a systemic perspective, of homogeneous values and cultural practices where network actors can feel indentified. Finally, in order to validate the proposed model, the case methodology will be applied to one of the most successful collaborations of GMVNs within the aeronautics industry, the collaboration between GE and SNECMA to manufacture the CFM56 engine.
    Keywords: L14 ; M14 ; ddc:330 ; global manufacturing virtual networks ; inter-organizational culture ; aeronautics industry
    Language: Spanish
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  • 49
    Book
    Book
    Madrid : CSIC, Consejo Superior de Investigaciones Científicas
    Person(s): Rebok, Sandra
    Keywords: Geschichte 1910-2010 ; Wissenschaftliche Kooperation ; Deutschland ; Spanien ; Katalog ; Deutschland 03.10.1990- ; Spanien ; Wissenschaftliche Kooperation ; Geschichte 1910-2010
    Type of Medium: Book
    Pages: 432 S. , zahlr. Ill., graph. Darst.
    ISBN: 9788400091057
    RVK:
    RVK:
    RVK:
    Language: Spanish , German
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  • 50
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    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2018-06-28
    Description: En este artículo se estudia la privatización de un grupo de bancos públicos provinciales en Argentina en 1993-2001. En contraste con la mayoría de los estudios previos sobre privatizaciones que analizaron principalmente sus efectos sobre la eficiencia económica, este estudio se enfoca en dos cuestioness: i) evaluar si la privatización de los bancos públicos provinciales produjo un incremento en el uso del poder de mercado por parte de aquellos bancos públicos provinciales privatizados y ii) verificar si los bancos públicos provinciales privatizados incrementaron su eficiencia económica despues de su privatización, medida por una re- ducción en sus costos operativos. La evidencia empírica permite sostener las dos cuestiones planteadas.
    Keywords: D43 ; G21 ; L13 ; ddc:330 ; bancos ; competencia monopolista ; privatizaciones
    Language: Spanish
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  • 51
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    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2018-06-28
    Description: Este trabajo es un estudio de caso del sistema de reuniones de Tejedurías Naiberger, una empresa textil y de indumentaria argentina. Comenzamos resumiendo conceptos generales sobre las reuniones y pasamos luego a describir un sistema de reuniones eficaces, su estructura, su utilización y sus elementos constitutivos. A continuación, presentamos características generales de la empresa objeto del caso de estudio. Describimos su sistema de reuniones a través de una lectura del Manual del Sistema de Reuniones Eficaces, que reproducimos completamente en un apéndice, y evaluamos el funcionamiento del sistema en un lapso de más de diez años, desde la fecha de su implementación, en 1997. El caso incluye preguntas de discusión, apéndices conceptuales sobre el trabajo en equipo, ejemplos de minutas y agendas de reuniones, y otros, además de tres entrevistas de evaluación del sistema de reuniones realizadas a directivos de la empresa.
    Keywords: M10 ; M12 ; M14 ; ddc:330 ; sistema de reuniones ; sistema de reuniones eficaces ; reuniones ; directorios ; agenda de reunión ; minuta de reunión ; trabajo en equipo
    Language: Spanish
    Type: doc-type:workingPaper
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  • 52
    facet.materialart.
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    Buenos Aires: Banco Central de la República Argentina (BCRA), Investigaciones Económicas (ie)
    Publication Date: 2018-07-03
    Description: This paper analyzes the determinants of the interest rate of short-term unsecured loan inter-bank market (call) in Argentina. The results show that the heterogeneous nature of the entities, in terms of size and origin of ownership, impacts on the interest rate agreed. Other additional aspects, such as the linkages between entities and the degree of supply or demand concentration, also affect the cost of funding. The structure of the market and the repo rates established by the BCRA are also relevant. Finally, the interest rate reacts positively when banks have a higher demand for liquidity, due to both seasonality and episodes of reduction in deposits.
    Keywords: E43 ; E58 ; G14 ; G21 ; ddc:330 ; Argentina ; interest rate ; monetary policy ; short-term liquidity markets ; Geldmarkt ; Zins ; Argentinien
    Language: Spanish
    Type: doc-type:workingPaper
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  • 53
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    Buenos Aires: Banco Central de la República Argentina (BCRA), Investigaciones Económicas (ie)
    Publication Date: 2018-07-03
    Description: The main purpose of this paper is to study the problem created by the lack of information about the credit history of some debtors in the databases used to develop credit scoring models and the use of information about behavior compiled by a credit risk register as a potential solution to the problem. The paper analyzes two problems: (i) the need to provide a credit risk estimation of debtors whose behavior is unknown (because they are deleted from the databases without indication of the reason), and (ii) the assessment of the impact of ignoring these data when evaluating the credit risk of entities’ portfolios. The fundamental strategy will be to allow the use of debtors’ credit history in other entities, recorded in the credit risk register.
    Keywords: C35 ; D81 ; G21 ; G28 ; ddc:330 ; credit scoring ; credit registers ; credit risk ; imputation ; information sharing ; missing data
    Language: Spanish
    Type: doc-type:workingPaper
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  • 54
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    Buenos Aires: Banco Central de la República Argentina (BCRA), Investigaciones Económicas (ie)
    Publication Date: 2018-07-03
    Description: This paper analyzes the relationship between the quality of the commercial credit portfolio and diversification in the financial entities of Argentina during the period 1998-2006. To this effect, a database of the financial sector (banking and non-banking) is used, which allows to consider three potential dimensions of diversification: per productive sector, per province and per client. In addition to characterizing the financial entities’ diversification decisions during the period under analysis, which includes the severe economic and financial crisis of late 2001, the paper analyzes the determinants of the portfolio’s quality including the effect of diversification in the three dimensions stated above. The results indicate that, by controlling for the relevant variables, specialization improves the quality of the credit portfolio.
    Keywords: C23 ; G21 ; G23 ; ddc:330 ; Argentina ; banks ; credit diversification ; loan quality ; non-performing loans ; Bankrisiko ; Diversifikation ; Argentinien
    Language: Spanish
    Type: doc-type:workingPaper
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  • 55
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    Unknown
    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2018-06-28
    Description: La cultura es la suma de los comportamientos atribuidos al ser humano más los objetos materiales que forman parte integral de estos comportamientos. Si limitamos el concepto al mundo de las empresas, hablamos hoy de la cultura corporativa, es decir, del dominio del cómo hacemos las cosas aquí. Más específicamente, hablamos también de la cultura de la manufactura, para revelar aspectos de cómo una empresa enfoca el trabajo y las técnicas de fabricación, así como las actitudes generales hacia ellos. En este artículo presentamos nuestra perspectiva del concepto de cultura de la manufactura y los elementos que la constituyen. Exploramos, también, las implicaciones que estas ideas tienen para los gerentes de producción y para los gerentes generales. Contrastamos dos modelos: la cultura de la manufactura tradicional y la cultura de la manufactura moderna. Aunque no es posible, estrictamente, pensar a la cultura tradicional -o a la moderna- como originaria exclusiva de un único país en un tiempo específico, simplificando el panorama podemos asociar a la cultura de la manufactura tradicional con los Estados Unidos de las primeras décadas del siglo XX, y a la cultura de la manufactura moderna con el Japón de la segunda mitad del mismo siglo. La cultura de la manufactura es un sistema integrado, según nuestra perspectiva, por los siguientes elementos: la gente, la calidad, la gestión de los materiales, las máquinas y su utilización, los proveedores, la higiene y seguridad en el trabajo, el cuidado del medio ambiente, la organización y la ejecución. El artículo detalla las relaciones entre estos elementos y contrasta su lugar en las distintas culturas. Nos preguntamos si hay culturas manufactureras mejores que otras, y respondemos afirmativamente. Hay, en cada cultura, aspectos propios que la caracterizan, que si son marginales no permiten juzgar la superioridad de una cultura sobre otra. Pero existen, además, principios básicos -que mencionamos en nuestro trabajo- que distinguen a una cultura manufacturera superior. ¿Cómo promover, entonces, el cambio hacia una cultura manufacturera superior? Entra aquí el tema del cambio organizacional, que tratamos brevemente al cerrar el artículo.
    Keywords: M10 ; M11 ; M14 ; ddc:330 ; cultura ; cultura corporativa ; cultura de la manufactura ; técnicas de fabricación ; elementos de la cultura de la manufactura ; cambio cultural ; Unternehmenskultur
    Language: Spanish
    Type: doc-type:workingPaper
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  • 56
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    Buenos Aires: Universidad del Centro de Estudios Macroeconómicos de Argentina (UCEMA)
    Publication Date: 2018-06-28
    Description: Distinguimos entre educación para la calidad y entrenamiento para la calidad. A través de la educación, aprendemos la 'filosofía' de la calidad; a través del entrenamiento, aprendemos sus herramientas. Así, el aprendizaje es un concepto central de este artículo. Pero no es el único. Para que el aprendizaje sea efectivo se requiere motivación, y ésta depende de muchos factores, como el liderazgo y el sistema de recompensas de la organización. El aprendizaje es a veces solitario, pero más frecuentemente se realiza en equipo, a través de la cooperación, en un marco que llamamos cultura organizacional. La cultura organizacional también afecta a las actitudes hacia la educación y el entrenamiento para la calidad. Presentamos estas ideas y tratamos de mostrar sus relaciones mutuas. La educación para la calidad y el entrenamiento para la calidad (que condensamos en la sigla EEC) sólo tienen éxito duradero cuando se los considera como partes de un sistema que incluye a otros componentes. Finalizamos el artículo con un estudio de caso.
    Keywords: D20 ; M10 ; M11 ; M12 ; M14 ; ddc:330 ; educación ; entrenamiento ; calidad ; aprendizaje ; motivación ; liderazgo ; recompensas ; cooperación ; cultura organizacional
    Language: Spanish
    Type: doc-type:workingPaper
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  • 57
    Book
    Book
    München : Beck
    Keywords: Immenga, Ulrich ; Europäische Union ; Deutschland ; Wirtschaftsrecht ; Wirtschaftsrecht ; Competition, Unfair ; Competition, Unfair ; Restraint of trade ; Restraint of trade ; Trade regulation ; Trade regulation ; Deutschland ; Aufsatzsammlung ; Bibliografie ; Festschrift ; Deutschland 03.10.1990- ; Wirtschaftsrecht ; Europäische Union ; Wirtschaftsrecht ; Immenga, Ulrich
    Type of Medium: Book
    Pages: XIII, 789 S. , Ill.
    ISBN: 3406523560
    RVK:
    Language: German , English , Spanish
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  • 58
    Book
    Book
    München : Vahlen [u.a.]
    Keywords: Deutschland ; Spanien ; Spanisch ; Wirtschaft ; Spanisch ; Wirtschaftssprache ; Wirtschaft ; Spanish language Business Spanish ; Spanien ; Spain Economic conditions ; Lehrbuch ; Spanisch ; Wirtschaftssprache ; Spanien ; Wirtschaft
    Type of Medium: Book
    Pages: XIII, 237 S. , graph. Darst.
    ISBN: 380062415X , 3214029479 , 3719020355
    RVK:
    RVK:
    RVK:
    Language: Spanish