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.
La tecnología de drones y la automatización están impulsando una nueva era en la industria minera. Desde la exploración autónoma hasta la optimización de la
En un mundo donde la competitividad es feroz y la eficiencia es clave, el mantenimiento predictivo emerge como una herramienta indispensable para las plantas industriales que buscan mantenerse a la vanguardia en un entorno en constante evolución.
Datos en tiempo real provenientes de sensores ayudarán a los ingenieros de Bloodhound a optimizar constantemente el rendimiento del vehículo supersónico.
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However, after going down, he discovered that there were five thousand caves in the center of the earth.However, the strength of Master Sitian at the seventh level of the Golden Core is not much worse than that of the overlords on the high platform.
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The young monk at the fifth level of the elixir was none other than Zhenren Guiyun, who once had a grudge against Qingyang.This is the common earth fire in the world of immortality.
Under this situation, Qingyang and Ghost Bird certainly became more and more courageous as they fought, but the Wasteland Demon Mouse was frequently injured.Wasn t the Ziyun Tongxiao Cauldron obtained at Danwang Mountain on Wucheng Island powerful enough It can create a pill pool that improves cultivation, and it can simulate the refining of pills.
But the facts are in front of you, and it s useless not to believe it.At this time, more than 200 people had gathered, almost all monks in the late stage of opening the pulse realm.
Qingyang has always been grateful to the One horned Ghost King for helping him a lot during this time, but for the One horned Ghost King, this small help is just a small effort.He was trapped by the phantom formation and was about to die.
However, this should be the opponent s limit. The power of the sword array is indeed slightly higher than his own, but it is not easy to win against him.After all, a natural and earthly treasure like the Nine Son Ghost Lotus was mature and caused a lot of noise.
Seeing that no one objected, Yuhun Mingzun said Everyone agrees with my suggestion.There were eight guards when they came. now there are only four people left, and the tent is much spacious.
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The performance of several people in the first seven villages is similar to everyone else.There are at least thousands of Qingming stones stored in the small cave.
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Although I had anticipated the horror of the potion before, I never imagined that the effect would be so overbearing and violent.It looks like it should be some kind of alchemy tool.
Harrov s expression became extremely solemn, and then he looked at Aurora and asked curiously.Raphael s face showed an expression of extreme astonishment.
It has to be said that the brains of these wizard apprentices are much easier to use than ordinary people.Its efficiency is more than ten times that of existing steam engines Linn replied affirmatively.
Several of the tentacles floating on the sea had been broken off, and blood and debris were scattered all over the sky.Fortunately, Lin En does not intend to carry it alone this time.
I ll be at the helm. Everyone, please go back to your posts, listen to my instructions, and raise all the sails Do you know anything about ships In such a big wind and wave, once all the sails are raised, what will happen The ship will capsize soon, and then all of us will die The helmsman who had been pushed away Sleep Gummies with THC and CBD: A Comprehensive Guide to Better Rest (iEcWE)
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Sir Messenger The Doomsday Cultists immediately seemed to have found their backbone and gathered around the red robed wizard.Teresa knew very well that she was just a three ring wizard with ordinary talent.
The entire Psychic Academy looks a bit gloomy and is covered by thick gray walls.Hearing this, Linn was also a Exploring Amplified CBD Gummies: Benefits, Science, and Usage Guide
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Philip continued to speak. Isn t this the prototype of a bank It already has the storage function of a bank, but depositing money here not only has no interest, but also requires additional payment
In this regard, it is more similar to a bank. Lin En was thinking this way, and soon discovered that the money exchange seemed to be particularly lively today.
The power of the Balrog s hand that Linn just used can only be described as terrifying.The wizards of the prophecy school who had just raised some hope were dumbfounded.
On the contrary, it made the halfling girl high spirited and read the design drawings very seriously.Lydia fidgeted left and right, staring at her reflection in the mirror with joy.
At this moment, Liu Wenge suddenly raised his body and kissed Lu Yu gently on the cheek.If you get hurt, you ll get hurt. Let alone hurt, even if you kill him, what can you do He didn t Buy CBD Gummies in Maryland - Legal, Benefits, and Reviews
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Shen Nanxing seemed to remember something and immediately shut up.Especially when they thought that all the girls who had gone out had not come back, they felt extremely frightened.
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Yes He is indeed very handsome. He is even more handsome than Xu Kunkun, the young Chinese hotpot from a few days ago.He was really stupid. However, the moment the two punches collided, Gena knew that he was wrong, and it was very wrong.
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This Kong Shanxiu is really terrifying, I m afraid no one in the audience can be his opponent.Jiang Yangzhou looked at Lu Yu with disdain, then looked at Officer Zhang and said, Old Zhang, don t let him continue to mess around.
Facing such a ruthless person and such a strong man, not giving in would only be humiliating and seeking death.Badak is the most proud disciple of Master Lage. His head lowering technique is extremely powerful and cannot be resisted by those pretty boys.
Others will never dare to enter The only way is to lure Lu Ziji out of China and set up an ambush to kill him It s just
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Zi Ji Compared with those cultivating immortal sects, what does Lu Ziji mean When this post was posted, it instantly became a popular post on the International Warrior Network, and countless people started arguing about it.I plan to go out for a trip, and on the one hand, I will stabilize my cultivation.
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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.