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.
Su Ye still has a method of cultivation, or in other words, this is a method of cultivation that belongs to Su Ye alone.He quickly opened the silk bag, and then two pills appeared in front of Diplodocus.
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possible to make her mother feel at ease.Su Ye yawned and took some green salt to rinse his mouth in the yard.
Know how quickly said with a smile Thank you, Warden Su.He could only put them there to pile dust or eat them as snacks to let the spiritual vortex absorb the spiritual energy.
Let s see, I won t say more, two hundred and eighty, the lowest price.It looks like it s a lot less What Are you having problems collecting the medicine No problem.
The incandescent beam flew forward, and after hitting the boulder, there was a loud noise and the boulder fell apart.The ogre s head flew up, rolled continuously in the air, and then fell to the ground.
It must dissipate in the heaven and earth, unless it is directly integrated into the body, so the strange fire in the world cannot be traded.The power of each palm is unimaginably terrifying. The palm hit the monster s shoulder, and the scales and flesh on the shoulder exploded, revealing dense white bones.
You have such a dark heart, you dare to sell that thing for more than a thousand taels.There was also an extremely beautiful female wronged soul who stood in front of the Monument of Reincarnation and looked at her past life in despair.
The drowned ghost smiled and said, Three of them were given by Feitian Yaksha.In other words, the elixir in Su Ye s hands would not flow into the market.
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Su Ye originally wanted to try the trumpet from the Prison of the Undead, but now there is an extra trumpet
Doesn t this mean that he can try to build the foundation twice more A total of three foundation constructions
Su Ye was really not sure whether it would succeed or not.Su Ye came to Fangshi and soon entered a shop called Bamboo Slips.
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Su Ye didn t look straight and took out a handful of broken spiritual crystals.On the other hand, Su Ye was able CBD for Horses Calming Reviews: A Comprehensive Guide to Equine Wellness (aKzSA)
to persevere, and the advantage of persevering in cultivation was that he had a solid foundation, which naturally made it easier for him to make breakthroughs naturally.
Even if nothing unexpected happened, it was not the large army of rogue bandits that the general suppressed.In the second line, Guanyun Pavilion is watching the clouds, and The Science Behind Ashwagandha Leaves Benefits for Weight Loss
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No wonder they felt tight. Su Ye glanced at Diplodocus and said in shock What did you eat Liang Ye Did you bring it yourself No, I just picked it up from your yard.A group of bastards, don t they only have a dozen or so spiritual crystals, and they Discover the Undisclosed Secrets to Getting Ozempic for Weight Loss – Achieve the Devil’s Body in Weeks!
are all broken crystals, and they can still grab them like this Su Ye curled his lips in disdain, and continued to run forward with no intention of stopping.
I m afraid of death, but when death is imminent, I m even more afraid of being looked down upon by that girl, and having to call her grandpa.When activated with full force, the defense power is doubled, and the earth evil fire above can also damage the enemy.
Jiang Yuebai was so frightened that he broke into a cold sweat.no worse than those geniuses from the Inner Sect, he was afraid of offending people he shouldn t have offended.
I don t think I can learn a basic technique in less than three months and help me share the work in the fields.I wonder why the Lord is here Li Jiuchuan walked into the courtyard unhurriedly and asked questions word by word.
Don t worry, Master, I have all my belongings with me, and I have always been the best at escaping.Grandpa is going to Xiancao Tower to find an old friend.
The altar was simple and dull, but Jiang Yuebai felt a coldness that penetrated into his bones.You have the guts to say it again Jiang Yuebai glanced at him contemptuously, raised his foot and patted his boots, I used my strength on your head just now, and my shoes were all dirty.
If you want to build the foundation, you must first cut off the worldly ties.She is older than her, a girl who should be seventeen or eighteen years old, with a sixth level of Qi cultivation, ordinary appearance, bright eyes, and full of energy.
When controlled, it is a natural maze with no lethality.Here you go, I will take the first step and see you again in the future.
After reading the letter, Jiang Yuebai carefully put the letter into his storage bag.According to his reputation outside, he was not the kind of person who would find excuses to plot against others just to win.
Yun Shang bit her lip and asked, Do you think the spiritual beasts around me are ugly Jiang Yuebai moved his neck and glanced at the bald little monkey in her arms, and then looked at the bald geese sitting next to him.I really didn t lie
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he could finish his words, the sword was snatched away by Jiang Yuebai.
Go and find out. In the past few years, the Linggu elixir produced by our Ziyun Valley ranks first among all sects in terms of output and quality.
Respectfully, Senior Sister Yue Bai Jiang Yuebai folded the letter and put it in the envelope, and said with a wicked smile, Fight with me, you are too young However, she was quite happy to see Xie Jingshan return to his former self.She stood in the middle of a dark and deep passage with no other way out around her.
Sit in an upright posture, chew carefully and slowly when eating, and do not swing your legs, knock the dishes, or pick up the dishes.According to Tao Fengnian s temperament, it s not surprising.
The flying stream plummeted down three thousand feet, and it was suspected that the Milky Way had fallen into the sky.But I can t help but think, if grandpa could be like her and seize someone s body, as long as it s not me, it s Jia Wei or other evil people, I should be happy.
Hearing Jiang Yuebai s firm voice, Hong Tao felt relieved, with some appreciation in his eyes, and handed the baggage in Satisfy Your Sweet Tooth with Ketology Keto Gummies: The Perfect Low-Carb Snack
his hand to her.Hong Tao stood on the ring and looked at Jiang Yuebai with the same joy, but he was somewhat surprised by her current cultivation level.
That s it Jiang Yuebai raised his eyebrows with a relaxed expression.He was about to take it when he suddenly saw the token clearly.
I want to learn from the scarecrow s method of deterring crows and make a puppet to stand in the field to scare these little beasts.One of them will appear randomly. If you happen to be Being able to go to the hunting ground I went to last time
Li Shenzhi raised his eyebrows and glanced at the jade slip with meaning.
They were instantly submerged in the sandstorm of sword energy and crushed into blood powder.During her breaks these days, she would release the mining puppets to dig as much as possible.
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this time Yun Shang narrowed his eyes and smiled, raised the glass bottle in his hand and shook it.Your refusal today made me timely. Be sober and won t make the same mistake over and over again and go astray due to obsession.
Qi Yue was dumbfounded, Why The recruitment order has not been withdrawn yet, but I heard that no one responded Do you know why no one responded Jiang Yuebai asked directly.Next spring, I will be ten miles away, and I will come to ask for my hand in marriage.
Jiang Yuebai didn t let him get up, but took out a piece of pastry from the food box next to him and ate it slowly.Mo Baichun curled Do Hemp Gummies Have CBD? Unveiling Benefits, Composition & More
his lips and smiled. She went crazy and even sold herself.
If you pretend to be fat, you will end up hurting me.He kept looking back at Jiang Yuebai along the way.
This is an excellent high grade spiritual weapon with thirty five Taoist patterns The material itself is also quite good.It actually soared directly into the sky from the peak of Tianwai Sect s Endless Sword Tomb He hit Lu Ziji hard The treasure light rises into the sky, its power is astonishing see this That person was from more than a thousand years ago.
The purple gold rainbow turned slightly and shot through the air.Facing Lu Ziji, who was difficult to deal with, the Lord of the Luoyue Palace patiently explained We are just asking Bai Xixi some things on a routine basis.
It s impossible When they are filled with joy and think they can escape, it will be their doom Thinking of this, the Young Demon Lord suddenly laughed.Yunyun was like a kitten, squinting her eyes in comfort as Lu Yu stroked her head.
But that means that they will be shrouded in Lu Ziji s shadow The peak of the Foundation Establishment Stage was so impressive, but when they reached the Golden Core Stage, they simply couldn t survive.It is said that among the many hidden forces, they are also the most powerful.
The long, fair and slender legs are eye catching However, everyone s attention was focused on the leading wedding car.As a result, it was shockingly discovered that Lu Ziji was too powerful.
After arriving in his room, he checked and found that no one was watching.These Wuhua Sect people are so annoying Go Teach them a lesson
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He walked away with a cold face. The other four disciples looked at Lu Yu unwillingly and left with the bodies of the three junior brothers.Not only for How Long Does It Take to Lose Weight on Keto
revenge for the disciples who died earlier, but also for the astonishingly valuable Red Flame Spiritual Milk in this pool.
He actually said that the leader of the Tianwai Sect, Feng Batian, and others are all rubbish How dare Lu Ziji say such a thing What kind of confidence does he have to dare to say this Say such words Crazy I think Lu Ziji is crazy.This kind of spirituality is quite impressive. Sooner or later, like the Tianyuan Pavilion s sacred weapon, a weapon spirit will be born Lu Yu put away the bone sword, with a smile on his lips, and continued to search for the sixth floor of the Scarlet Flame Pavilion.
His strength is powerful For the two weak ant Nascent Souls in the wilderness, they can be crushed and killed instantly with just one little finger What Kneel down and beg for mercy After hearing Luo Wenxing s words, Gou Rui was so angry that she said angrily Luo Wenxing, you are a sinister villain who does one thing in front of you and another behind your back, just dream Then die And Luo Wenxing heard Gou Rui s words.
She can only block it hard. Can she be blocked If he couldn t stop it, he would probably be dead
But at this time, under everyone s unbelievable eyes, Lu Ziji did not dodge and stood on the spot, with a bright golden light blooming from his body, even the crystal like jade
His skin was dyed golden He actually wanted to use his physical body to directly resist the powerful magical power of such a powerful person in the Yuanyuan stage Boom In an instant, the sound of the bronze bells of an ancient temple in the mountains was ringing loudly and loudly Lu Ziji s whole body was overwhelmed by endless thunder, flames, palm prints, and sound waves
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thousands of years, was directly blown into pieces by hundreds of feet Debris flew everywhere and dust rose into the sky Before the dust dispersed, many immortal cultivators gathered their spiritual energy and looked over.
But now, Lu Ziji, a wild immortal cultivator from a mere abandoned place, the Emperor s Star in the Aura Desert, was able to directly cross a large realm and counterattack the cultivators at the peak of the Golden Core Stage at the peak of the Foundation Establishment Stage.degree It is said that his strength is comparable to that of an immortal immortal And those who are qualified to carry this flag of the Ancient Demon Clan s Demon God must be members of the royal family of the Ancient Demon Clan His bloodline is noble and powerful.
Just ask Fellow Daoist Yan to calm down Lu Yu looked calm, and with a flick of his hand, Yan Xunnan immediately regained his spiritual power.They hurried away from the high platform and flew below, watching with lingering fear Are they evenly matched Princess Lu Xiao exclaimed when she saw that Lu Ziji and Elder Lu were evenly matched in this move However, Princess Lu Yi next to her shook her head and said, An equal score will not allow Lu Ziji to escape
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Lu Yi said in shock. And it s not just Elder Hu from the True Fire Sect Thunder is coming Following the violent shout of Elder Kangsheng of the Fenglei Sect, the color of the sky and the earth suddenly changed, dark clouds gathered, and purple thunder struck towards Lu Ziji Every step can make a cultivator who has entered the Nascent Soul stage feel as if he is facing a formidable enemy The power is extremely terrifying As a first class sect in the Cangshan Star Cultivation World, the Fenglei Sect s thunder attack power is extremely powerful, no Exploring the Potential of Shark Tank CBD Gummies for Tinnitus Relief
less than the flying sword technique of the Tianwai Sect The Honey Fairy from Luoyue Palace sighed quietly and also took action.
As the head of the seven major immortal cultivating sects, Tianwai Sect, and Feng Batian, as the number one person in Cangshan Xingxing Immortal Cultivating World, how could he stand by and stay aloof I used to be proud of my status and didn t want to end up in a group fight to avoid losing my status.
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.