Para poder sobresalir en el mercado es necesario mantenerse actualizado de las necesidades de los clientes, esto no necesariamente quiere decir que solo se invierta en la capacitación del personal, se necesita también la tecnología actualizada para poder ofrecer a los usuarios productos innovadores de alta calidad, así como poder ofrecer el mejor servicio.
Las PyME son fundamentales para la economía y en la generación de empleo en nuestro país, la “Encuesta Nacional sobre Productividad y Competitividad de las Micro, Pequeñas y Medianas Empresas” (Enaproce), afirma que existen en México aproximadamente 4 millones 48 mil unidades empresariales, las cuales generan 52% del Producto Interno Bruto (PIB) y 72% del empleo en el país.
El objetivo principal de una Sociedades Financieras de Objeto Múltiple (Sofom), es fortalecer a los empresarios en su faceta como personas físicas o morales a través del otorgamiento de crédito simple y arrendamiento para su desarrollo, siendo así una opción más no bancarizada para el crecimiento de las empresas. La cartera de consumo de la industria sumó al cierre del tercer trimestre 2017 128,791 millones de pesos lo que representó un 39.7% de la cartera total de las Sofomes.
La Comisión Nacional Bancaria y de Valores, afirmó que 12.5% de los financiamientos a personas morales que aparecen en el Buró de Crédito se han obtenido a través de créditos fondeados por Sofomes, lo que indica que este tipo de opción se ha ido fortaleciendo al paso de los años ofreciendo más y variadas opciones de financiamiento para las PyME.
Es importante comentar que de la cartera de crédito registrada por la Comisión Nacional Bancaria y de Valores (CNBV) generada por las SofomERs a septiembre de 2017 es de 324,015 millones de pesos, de este, 52.5% pertenece al segmento empresarial para alcanzar un saldo de 170,129 millones de pesos.
Alfonso Vega, director comercial de Serfimex Capital, mencionó que «un crédito PyME obtenido en una Sofom tiene muchas ventajas entre las cuales se encuentran:
Tiempo ágil de respuesta y fondeo.
Flexibilidad en el análisis y evaluación del negocio.
Atención y apoyo personalizado durante todo el proceso de acreditación.
Se obtiene financiamiento sin restricción sectorial o actividad económica.
Asegurar la liquidez y continuidad de la empresa.
Ofrecer mejores oportunidades de compra de insumos y materias primas.
Descuentos a proveedores por pronto pago».
En un crédito PyME, ya sea para personas morales o físicas con actividad empresarial con antigüedad mínima de operación de dos años en su giro o actividad, ofrece:
Línea desde 500 mil pesos, sin un tope máximo, el cual dependerá de la capacidad de pago del negocio y el propósito del financiamiento.
Plazo desde seis hasta 48 meses para capital de trabajo.
Plazo hasta de 60 meses para la adquisición de activo fijo.
Tasa de interés fija durante todo el plazo del crédito.
Múltiples disposiciones durante la vigencia de la línea.
Amortizaciones mensuales fijas programadas de capital e intereses.
En el contexto de este 2018 será importante contar con las líneas de crédito adecuadas y mantener niveles de capital de trabajo adecuados para aprovechar oportunidades y descuentos importantes que permitirán destacar la competitividad en momentos de ajuste de mercados y elecciones. Serfimex Capital prospecta tener un crecimiento del 17% para el 2018 manteniendo su crecimiento a doble digito como se ha logrado años pasados.
Actualmente las Sofomes están vigiladas por la Comisión Nacional de los Derechos de los Usuarios de Servicios Financieros (Condusef) y CNBV. Contar con un financiamiento adecuado, a tiempo y que reduzca la carga fiscal, es la mejor forma de seguir siendo competitivo en el mercado.
El acompañamiento es crucial para un mejor funcionamiento de un sistema administrativo, pero por lo regular la consultoría es poco valorada, ya que se piensa que es innecesaria o cara.
Acompañar activa las neuronas llamadas espejo que contribuyen a que entendamos el dolor de otras personas, a tranquilizarnos y hacer que los otros se sientan comprendidos.
La Fundación UPS otorgará más de 2.6 millones de dólares en donaciones a organizaciones sin fines de lucro dedicadas a iniciativas para el medio ambiente.
Then his figure disappeared inexplicably, leaving no one in front of the carriage.This aspect is mainly for reference. He has simulated it many times in IBMz15.
He took out the spiritual rice from the storage bag, and after thinking about it, he took out a bunch of uneaten spiritual bamboo shoots.It was also from Yin Shilan that Li Shiming learned how precious the Bing Xin Jade Thought Technique was.
They acted together, while Zhuge Xuan acted alone. Li Shiming and Yin Shilan came to the sword mark.He wants to choose a swordsmanship that can give him In addition to the real combat power of the talisman.
Li Shiming hesitated for a moment, and after deciding to put his own safety first, he also left his yard.Why are you thinking so much Ren Fei er doesn t care about this sea beast corpse Li Shiming thought of Ren Fei er with tears in his eyes and said to himself with a smile.
On the other side, on four giant flying boats, the faces of ten Jindan elders were as sinking as water.He needed to move the Inverted Nine Palaces and Bagua Array.
The electric arc furnace is somewhat small, so the flywheel and Cbd Gummies Mg Benefits Dosage 0652 And Expert Reviews boiler are manufactured in sections and finally arc welded together.Thinking that in the next year, Ren Fei er may not be seen again, I still feel a little reluctant.
Needless to say, Qianhuan Sect, although your starting point in joining the sect is low, you are just an outer disciple, but with Shilan and me here, at least no one in the sect dares to bully you.Besides, Cbd Vs Thc 2631 Key Differences For New Users the Ingredients In Blue Vibe Cbd Gummies 2528 A Comprehensive Review corpse must also take into account the previous spiritual roots, otherwise the corpse will not have much potential.
Even Qianba Temple couldn Do Blue Vibe 2727 Cbd Gummies Really Work Expert Reviews And User Feedback t count how many people he had killed with his half step golden elixir in the Tao of Killing Life.As for the monks at the ninth level of Qi Refining, they are usually either desperately doing tasks, obtaining good deeds or spiritual stones in the most dangerous places in order to exchange for foundation building pills, or they are in retreat preparing to force a breakthrough.
They need to stabilize their minds at all times, so they cannot fight with all their strength.After releasing the Hundred Miles Messenger Talisman , he immediately put away the drone and monocular telescope.
In addition to practicing the Five Elements Qi Receiving Technique every day, I also learn spells and make talismans.Not every monk is gifted with a single spiritual root.
The sword light was too fast, and it was still increasing in speed.Whether it s slander or not, it s not your turn to judge.
How can I, the road protector, be so easy to kill The heavy haired old man, also a man named Jiang, wiped the corner of his mouth at this moment.It is said that the strength is around the fifth level of Shenzang.
We are not as grand as some forces. Once we attract the attention of those entities, we will be in trouble.Brother Seeing the character who appeared, Ye Wudi couldn t help but feel a burst of surprise.
I am worried that these little guys will be wiped out.Shut up. I ve heard for a long time that Miss Moya s alchemy skills are top notch, and her strength is even more extraordinary.
After leaving the room, Ye Fei wrote a prescription and gave it to Murong Xue, asking her to send someone Exploring The Benefits 7833 Of Strawberry Cbd Gummies A Comprehensive Guide to get the medicine as soon as possible.Senior Brother Hao was extremely angry, with a ferocious look in his eyes, and placed all the blame on Ye Fei.
He just hurriedly ingested the blood of the corpses of the road protectors and sacrificed it temporarily.Don t care about this either. Just like the nine star contingency that was about to happen this time, the people were panicked for a while, but they soon calmed down, and everyone still lived along their own unique track.
Oh, to put it nicely, we are not bound there. We have an eight hundred year agreement not to appear in the secular world.Finally, he saw his Nine Yang Roots, which were connected to the four poles, and were exactly his own limbs.
Elder Tang, do you have Best Cbd With Thc Gummies 601 Benefits Reviews And Guide anything else to give me Mo Xingyu appeared and came to Elder Tang.At this moment, the mysterious iron block is there like a shadow, but it is real.
Her strength is very strong, probably around the Sixth Level of Shen Zang, so don t be impulsive.That s fine, that boy brought shame on me, so I must kill him.
One leg was soon bitten off. After that, the other two corpse eating bugs swarmed up and ate the injured corpse eating bug.A monk, whether alive or dead, will be controlled by the person who cultivates the poison.
Qingyang didn t want to cause trouble, so he didn t rush.This is an irresistible temptation. Not to mention that they don t know about this trap.
How could they have imagined that it would be in Experience The Ultimate Relaxation With Hemp Labs Cbd 43 Gummies Mg such a desolate state now Even if there were Pregnancy God Fruit Trees in the past, they would all be dead long ago, right But thinking about it again, this situation seems to be normal now.First release, domain name, please remember, Fellow Taoist, have mercy on me, fellow Taoist, have mercy on me Master Heyi couldn t help but wailed.
Whether it is the Giant Ghost King and the Long Eyebrow Ghost King, or the Fuliu Ghost King and the Lost Range Cbd Reviews A Comprehensive Analysis Of Benefits 60757 And Effectiveness Hnqyd Huanxi Ghost King, the monks present know that they can fight in any way, but they cannot destroy the pregnancy fruit that was finally found.It seems that I still have good taste. Whether it is the way the One horned Ghost King looks at people or the tone of his words, it is like an elder praising a junior whom he has not seen for many years.
Facing the cultivator, she couldn t resist, so she might as well die happily.He didn t know about this third enemy. How much stronger is it compared to the two female corpses before.
If you win, I will die. Bloom Cbd Gummies Reviews Amazon A Comprehensive Guide To Benefits 19815 Ingredients And Effectiveness Hmrla From now on, the Jiuzhou Continent will be yours, how about it Qingyang came back this time mainly to talk to you.I don t know whether it s because Baimei Ghost King is too mysterious and ordinary monks don t know anything about her, or because Baimei Ghost King s control over the entire city is so powerful that it scares the monks in the entire city into silence.
The Long Eyebrow Ghost King also endured the Fuliu Ghost King for a long time.Later, the old master Master Lingxue was in seclusion, and Master Lingxu became even busier after he took over as the headmaster.
This Fuliu City was called the One Horned City more than three hundred years ago.It has only been half a month since the Dragon Shadow and Dragon Roar appeared.
The Ghost King holding the coffin had even prepared a lid and could close it at any time.The huge fire dragon covered the sky and covered the sun, and the scorching flames seemed to burn everything.
I am afraid that the formation on this circular high platform is really the teleportation formation.
The seven monks began to adjust their positions and took out all the means that required long preparation in advance and started preparations.At this time, Li Shiming also recognized the methods of the Xuanming Sect monk.
After seeing the real face of the clone, Li Shiming still felt suffocated, even if the face Creating Better 735 Days Cbd Gummies Honest Reviews was made by himself.Li Yuanba did not need to break the formation. He dodged from a corner of the formation and entered the formation.
This is the current method. Only Qi Refining and Foundation Establishment monks can use this method to pass the test.Li Shiming landed at the entrance of the palace and walked slowly into the hall.
Even ordinary monks find it difficult to meet these genius monks.Li Shiming felt the changes in the spiritual energy vortex in his body, while Yin Shilan was thinking secretly.
He couldn t wait to take out the jade slip of Vajra Body Protection Magic.This makes the pills produced by Shiwandashan that Li Shiming took out extremely precious, at least not accessible to ordinary sect disciples.
The reason why he collected them but did not dispose of them was because they might be used as repair materials for corpse refining in the future.A black pill was delivered to Hao Jin s head. Hao Jin took the pill and swallowed it under the force of a sharp sword.
He took the pole, lifted the two What Are Purekana Cbd Gummies Good For Key Uses 6422 jars, and headed towards the Hao family.You should put away the realm breaking pill Yin Shilan retracted her slight anger and said softly.
IBMz15 is researching formation knowledge almost all the time, and then, just like this, he shares his research findings with him every once in a while.If they have not reached the Foundation Establishment Stage, they cannot redeem the Foundation Establishment Stage Kung Fu.
She didn t stop this crazy behavior until the spiritual power in her body was almost exhausted.Except for some spiritual rice at noon, he spent four consecutive hours practicing the Sword Control Technique.
The deacon quickly went through the formalities for Li Yuanba.Although monks can cause huge damage at will, monks are also the ones who can best control their own power.
Even if Mr. Wang s bodyguard is dead, his energy will be left wherever he passes.As the finger pointed at the monster, a sword light flew out in the direction of the finger.
This is someone using a sharp weapon to control him He never thought that he would be kidnapped while taking a walk in the back garden of the government office in Nanling Mansion.Baili Jinyan is indeed alive, but his living state is somewhat special.
With his strength, it is impossible to write information into the jade slips without spiritual thoughts.Other qi refining monks do not even have double spiritual roots, let alone three spiritual roots.
Para poder sobresalir en el mercado es necesario mantenerse actualizado de las necesidades de los clientes, esto no necesariamente quiere decir que solo se invierta en la capacitación del personal, se necesita también la tecnología actualizada para poder ofrecer a los usuarios productos innovadores de alta calidad, así como poder ofrecer el mejor servicio.