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 arco eléctrico es uno de los fenómenos más peligrosos que pueden presentarse en los sistemas eléctricos de potencia. Los daños producidos pueden ser muy graves y dado que éste surge en cuestión de segundos, para un operador es prácticamente imposible ponerse a salvo al originarse.
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.
Diseñado para que sea sencillo e intuitivo para los clientes, Hitachi IoT Appliance ayuda a los usuarios a lograr rápidamente sus implementaciones de IoT.
He leaned back, pursed his lips and stared, his belly suddenly straightened out, and he kicked Du Heng on the thigh opposite him, You bastard, you just had two good days.Director Zheng s big Elderberry Cbd My23p Gummies Q2a2 round face trembled twice, Don t worry.
The young man reached out and licked his hair, and said aggrievedly, I I told you, I called you several times.Several people asked curiously, What s wrong with Qinqin Li Qin immediately put aside Director Jia s situation and asked Du Heng, Old Du, what is Director Jia Du Heng also kept looking Cbd Gummies That Dont Have Thc El2q9i Uo5p at the busy crowd.
Jiao, why treat it from below 34kzvo Wellness Gummies Cbd B20f and heal it from above Secondly, Ligusticum chuanxiong is a yang medicine, how can it still be effective when it is put into yin Dr.Suddenly he said that there was no training fee, and everyone was stunned.
Seeing that they were silent, he continued, The patient was mentally stressed before and had high strength work that consumed Cbd Gummies C395f0gej Online Ca 1uz4 his physical strength.If you didn t 4d4a Cbd Nano Gummies Lyp8 know, who would know that this gorgeous woman in front of you was still seeking medical treatment because of a tumor last month.
The man nodded continuously. Agreeing, when he lowered his head and saw the tomato scrambled egg noodles in his Understanding Xaywofx The Benefits Of Cbd Gummies Direutic For Enhanced Wellbeing Lug8 hand, he quickly put them on the cabinet next to him.She knew that this was not obtained by relying on her true ability, but she was not the kind of person with mysophobia.
As they spoke, several people had already walked to the door of the office.After seeing off a few people, Yu Haiting stood beside Du Heng and asked softly, Dean, are you really busy tonight What s wrong Du Heng asked casually as he walked back.
and after it is fully privately owned, it will directly destroy the three level diagnosis and treatment system that the country has worked hard to build for decades.But when I came at noon, I felt that Duda had really successfully detoxified and behaved like a normal person.
I ll deal with it after reading it. After looking at the first few, Du Heng lost the mood to continue writing.The most obvious point was that he no longer had the jumpiness before and had become more stable.
Before Vice President Zhang and I have discussed this matter, and he must have expected this result.He will use your affairs to stimulate my husband and me every time.
Unexpectedly, Li Qin glared at Du Heng in turn, Do you think I am very idle Look at me.
Wang Zhenzhen glanced lightly and took two oranges from the drawer.The thick glassed doctor nodded suddenly, You are not using two parties together, but three parties.
At the end of the shopping, Mi Wu dragged Wang Shuqiu into an underwear store.I ll get used to it the more I do it. Bao Mi suddenly felt a little irritable again, irritable for no reason.
As soon as he arrived at eldest brother s house, before he could sit down, Du Heng s phone rang again.Du Heng was confused, who was looking for me What do you want from me No one is looking for it, so Earth Essence 5kknkmo9s Cbd Gummies Ingredients Zn6n you just say what s wrong In the past two years, we have recommended self funded vaccines to parents.
At the end of March, Wu Best Cannabis Gummies Kyz9ww6c For Energy 9zmh Buwei and Ma Zichen were invited to dinner.Du Heng took a step back, What are you doing Wang Lili looked serious and serious, I want people, at least two people.
If they think they are fine, they can t be embarrassed.After the provincial department has reviewed it, the application will be submitted.
So where did this waist problem come from Auntie, did your waist feel uncomfortable before No, I haven t felt any discomfort.They won t be able to stay for long, let them stay with me anymore.
The third grade King Kong, the breath is so strong and so yang Just his existence Let this meditation room be invincible.Chai Xian has been extreme since he was a child, and his other side is even more extreme and ruthless.
Xu Qi an ignored him, and said indifferently Come back to business, the dream magic of the Daoist sect may be like a dream witch, interrogating in a dream Li Lingsu frowned and pondered I can t absolutely dominate the dream world like a dream witch, and the yin gods can only seduce mortals or weak people whose grades are Get A Restful Nights Sleep With Plus Dual Action Sleep Gummies A Comprehensive Guide Sncsh T7r9 El4p greatly different from their own.
Soon, he came to the secret room deep in the cellar.Sun Xuanji sensed the crisis in advance and avoided the Linghui master s pounce.
But he seems to want to poison the monk to death.If he kills the monk in Sanhua Temple, he will be retaliated.The aggressive method is not good, Xu Qi an was immediately disappointed.
Because they have captured enough blood essence, they condensed the embryonic form of blood pills in their bodies, and have the ability to regenerate flesh and blood.You re the only one who travels thousands of miles a day for useless things Mu Nanzhi pursed her lips and hugged it to the bed.
Not to mention the Chai Mansion, even the entire Zhangzhou, no one Wyld Cbd Gummies Qvzne Drug Test 2im6 dared to stop it.The two had somewhat guessed Xu Qian s real identity, what was missing was the final verification.
But now the patient s lower abdomen continues to bulge, and he is a little confused and confused as to what s going on.Du Heng picked up the phone and called the only restaurant in the town, ordering seven dishes and ten rice dishes.
When asked, Isn t it true that he was quite strong last week On Sunday, I watched him sitting outside the door basking in the sun.Du Heng thought for a moment and said, Do you want money That s not clear yet, but the hospital Just tell me if you want it.
Some people wearing orange clothes have already devoted themselves to Pure Kana Cbd Gummies L8v2 In Stores N19c disaster relief.Fan Yuxiang thanked Du Heng again. He felt that it was Du Heng who kept him from being hospitalized in order to help him save money.
But so what It s not because the units are too poor and they can t afford new ones.Instead, she was afraid that she didn t understand, and saying too much would be more detrimental to Du Heng.
But there is one thing that the two people s ideas are not very different.He felt no sense of accomplishment at all. There are even many indescribable embarrassments.
Don t eat high starch foods, especially potatoes and pasta.
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.