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 año 2024 se presenta como un periodo emocionante y desafiante para la fabricación aditiva. Los avances tecnológicos, las tendencias sectoriales y la evolución en la gestión de la cadena de suministro están destinados a redefinir la industria, marcando un camino hacia un futuro donde la impresión 3D desempeñará un papel cada vez más crucial en la fabricación moderna.
WCL mejora las operaciones de distribución a través de FCA US LLC para reducir sistemáticamente los deshechos y mejorando la calidad enfocándose en 10 pilares clave técnicos y 10 administrativos.
Centinel-5 Precursor suministrará al programa Copernicus información esencial sobre la composición química de la atmósfera antes de que, en 2021, entre en funcionamiento el instrumento Sentinel-5.
Inteligencia artificial que se aplica ya en México es capaz de mejorar en 35% la predicción sobre el comportamiento y efectividad que tendrá el nuevo trabajador.
Sister in law, why are you doing this Today I said that I want to get you, even if the king of heaven comes, it won t work Jian Taiding s breathing became short of breath, and he couldn t wait for his strength to recover, so he was about to pounce on him.But the warehouse caught fire, and the whole person was The Power of Nature: Exploring the Benefits of CBD Gummies
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Qiu Honglei stuck her head on his arm, her eyes widening Like a crescent moon Azu, you are so kind to me.Only the two of us, even if we see something, it can t be used as evidence.
Our Yu Family has many, but Fire tree and silver flower can be encountered but never found.Finally, they stopped in an inn outside the city gate and handed over the horses to the innkeeper.
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Don t abuse the power entrusted to you by the imperial court.So I came here specially I asked her wife here, and she told me that Shen Zhou had never broken a leg before.
It seems to have some effect. There is a cold breath dispelling the heat in my body.The bottom of the car was covered with a soft and precious Nanyang carpet, a delicate tea table was fixed in the center, and there were two reclining chairs on both sides covered with cashmere and fur.
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Zu an was stunned It can still be sold. Auction for you The red dragon likes to collect shiny things, but he didn t expect to go as far as Nanyang.But no matter what it is, the commotion is so big now, it must be hidden from someone who cares.
The expression of the man in black robe with yellow stripes not far away changed Changxin Palace Lantern With a gesture of his hand, the gold brick returned to his loose robe.He was ambushed by the demon clan and his head was chopped off.
Zu An thought to himself that if he made a sneak attack at this time, the opponent would be seriously injured if he didn t die.As for why he won t harm people in the future, it s just talking.
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I have worked so hard for so many years. Everything you did and all the suffering you suffered became a joke.After all, she is the apprentice s husband, and she doesn t want to leave any cracks in the master apprentice relationship by doing it herself.
The other party was a library of living people. I am afraid that few people can match the information in the Embroidery Tower.Sun Ji also has a fifth rank cultivation base, and he usually flaunts his power, thinking that he is so awesome, but now facing the murderous aura rushing towards his face, he only feels trembling and weak, and he has no idea of resisting at all.
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Yang Long on the side also swallowed his breath and apologized.
Jia Qiniang s words are really not nonsense, after all, the servants of the Lin Mansion are all from the Zhenbao Building, and each has some special No Gym, No Problem: How to Lose Weight Fast without Exercise
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With one blow, a fire phoenix can be released to pounce on the poisonous mist.Under his leadership, the Zeng family was once one of the best big families in the entire Tianxian Mansion.
Shu Siyue walked to the bedside and carefully checked the situation of the woman on the bed.Looks like it s difficult to get along with Zhu Youming said.
Not in a hurry, wait until Fellow Daoist Lin lures the poisonous dragon further away Fu Kuan looked at the battle group over there but didn t intend to do it immediately.Freedom, but the breath is obviously much weaker than before.
Oh Then I really want to ask for proof, master, let s go to another house to see.The three major water bandits are the Jinfeng Gang, the Sanjiang Society, and the Tongtian Gang mentioned earlier.
We don t know about this, but from my point of view, although some rules are not very good, some excessive things will not be done.The host put away the ring of corpse yin, followed by flipping his hands, a small bottle appeared in his hand, and continued The bead of wronged souls, this Sip Your Way to a Slimmer You: The Best Teas for Weight Loss
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Lin Haoming gave up after watching some. Of course, Lin Haoming came here to inquire about the situation.Yinye obviously didn t want to listen any longer, took her daughter s hand, and walked out.
Mrs. Yinye has seen Lin Haoming s power. If you want to say that this person is easy to talk to, when you are friends with him, he is easy to talk.After all, he had taken Qi Tianlong, so he must confess.
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Lin Haoming saw that after they did this, Huang Yan and Shi Ruolan were left behind, and he couldn t help feeling a little worried, after all, he promised Mrs.When everyone discovered this weirdness, Lei Peng, who was in a frenzy, finally realized that something was wrong.
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.