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.
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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 ámbito cloud, en la actualidad, es el hogar de las soluciones más poderosas; muchas de ellas indispensables para poner en marcha una transformación digital.
El gerente de Proyecto tiene que encontrar el balance ideal entre las acciones que sus clientes realizarán para mejorar el medio ambiente y los beneficios tangibles que obtendrá por las inversiones que realice al respecto.
La Cumbre 2017 del FIT es el único organismo en el mundo en donde se reúnen los Ministros de Transporte de casi 60 países. Se tiene previsto que el titular de la SCT emita un mensaje y un discurso de bienvenida en la recepción presidencial.
La mayor atención a temas como la sostenibilidad, el cambio climático y otros problemas ambientales ha cambiado la forma en que muchos consumidores ven sus
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The pale light flashed on the sabers in their hands, ready to add insult to injury.It can t be just and straightforward , right. The combat troops of these clans were almost completely wiped out.
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Phantom Dancer If There is no way to distinguish the real body, so it is naturally extremely dangerous, but once the phantom can be confirmed, the threat will be much smaller.Have you forgotten Yes, Greenham is being transferred this time.
But this makes some people unable to bear it. A battle suddenly broke out at the only entrance to the pyramid.The difficulty of the task is trouble The Viking Kingdom is not small, and the major forces are scattered.
Qin An is only 16 years old this year. He is Qin Hu s personal book boy.And it doesn t stop there. tumultuous The raging flame dragon breath can barely be used, but it burns my throat a bit.
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Monk Lou and Wu Da both performed Sword Escape, and all mid stage Nascent Soul Sword Cultivators followed suit.Of course, if he What is CBD Gummy Good For: Benefits, Uses, and Reviews actively wants the Chaos Spiritual Power to attack the Silver Winged Spiritual Gu Insect with all its strength, then all the effects of the Chaos Spiritual Power will work on the Silver Winged Spiritual Gu Insect.
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He has encountered too many traps, and the most dangerous one was even caught.I need to strengthen my natal flying sword and bring back some training resources Li Yuanba said without any hidden thoughts.
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He nodded to Zhu Ying and continued My fellow sects should have been watching and helping each other.Lou Wu is willing, the disciple will pay homage to the master Lou Wu was very smart, bowed his head and said in his mouth.
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As long as it is done secretly, the Baidi Sect will not have time to react.a lot of. Only then The Effective Guide to Drew Carey’s Weight Loss Journey did he understand why the sword elder looked down on the Ten Directions Sword Cultivation Technique.
However, he has a feeling that when he reaches the peak of the middle stage Jindan, he may directly advance to the late stage Jindan.The entire cave seemed to have just been dug out. The floor tiles made of spiritual jade and the wall tiles with exquisite runes carved on them were all gone.
Brother Hu s lost left leg can be restored without even using the fourth grade high grade severed limb rebirth elixir.You must know that in this world of immortality, many monks have tried to make spiritual objects that protect against radiation from the hell cave.
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Junior Li Shiming has met Senior Zhai However, he still bowed respectfully.The https://tannoorgrill.com/tips/simply-cbd-daphne-reviews-a-comprehensive-bvgrllk-analysis-of-customer-satisfaction-vfmzw-zud5/ moment https://tannoorgrill.com/tips/unwind-with-aspen-green-bliss-aung83-organic-cbd-gummies-the-ultimate-relaxation-experience-with-gummy-bea-71xm/ his consciousness came into contact with it, he sensed the spirit of Dongtian.
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The siege has begun Someone muttered to themselves.It can only be said that most demons are too upright in their positioning.
Card, card Several thigh thick trees were broken, revealing several figures.Magic storm A set consisting of several pieces of green equipment.
82 Chinese website bang, bang Two blasts of air. The ballista belonging to Memphis and Ellie fired first.Just when Zhao Hao wanted to ask a few more questions, a voice echoed in the barrier.
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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.