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 peor sabotaje que le puedes hacer a tus finanzas es tener gastos hormiga y no ser consciente de ellos. Te recomendamos usar una app: Todos estamos pegados al celular y qué mejor que usarlo para controlar mejor nuestro dinero.
El acompañamiento es crucial para un mejor funcionamiento de un sistema administrativo, pero por lo regular la consultoría es poco valorada, ya que se piensa que es innecesaria o cara.
La adopción estratégica de la inteligencia artificial en la fabricación puede ofrecer eficiencias significativas. Desde mejorar la seguridad hasta optimizar las cadenas de suministro, la IA está transformando la forma en que las empresas abordan los desafíos laborales y planifican su futuro. Los líderes de la industria deben estar preparados para abrazar esta revolución tecnológica y capitalizar las oportunidades que la IA presenta.
Why Director Zhang is called director, but he only has one soldier under his command.Du Heng glanced at the director of the pediatric care department with a half smile, and then glanced around at the people sitting there.
His prenatal examination department was similar to the laboratory department, and he just looked at the machines every day.The fourth category, children over two years old, treatment plus intensive training the day after tomorrow, the extent to which they can recover depends on God s will.
superior. Many people are unable to meet the conditions for promotion to deputy director alone.It was really disgusting. Du Heng stood up and called Gu Ping to walk to the ward, Come on, let s go take a look.
With Du Heng s massage, the child slowly stopped crying, and his pink and tender mouth actually made sucking movements.Hehe said, I think you just have a lot of money to burn.
Moreover, he felt that he learned a lot yesterday and he needed time to digest it.After taking the injection and taking the medicine, I don t cough much anymore.
Work. Wu Buwei s face fell. Can t we lose again on Monday Du Heng smiled slightly, What are you thinking about We have to go to the village on Monday.Du Heng lightly knocked on the table, Add ginseng and walnut soup, Qing e pills, and use the three together.
No, I want it all. I ve said it all. Maybe Mi Wu is on the side, or maybe the position is wrong.Of course, these are all guesses, but in the end, it was because he lost his sense of awe and focused on money that he had such a ridiculous and tragic medical accident.
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I m very reassured about your character and work ability.At this moment, Wang Shuqiu in his peripheral vision gave him a feeling of pity.
I also think you can give it a try. With the two nods, the hostess showed a smile.He also suddenly remembered a case of intracranial hemorrhage in his mind.
Du Heng leaned back a little after speaking, If the perineum is used properly, it will be very beneficial to the body.After thinking for a moment, Wei Kaida said confidently, It doesn t matter.
It s great to be a teacher, working from 9 to 5, with winter and summer vacations.You guys are really sincere, you have money to burn Wang Zhenzhen giggled.
It only Hemp H2bkf Bombs Cbd Gummies Where To Buy Lbsk takes about five minutes for one person to complete the entire process.As a Western doctor, without instruments, he always feels that something is missing.
When it s time to eat, when it s time to drink, you pay the bill and we ll pay the bills.The target was my lover in college and also their classmate.
The first patient diagnosed, the one who almost knocked Experience The Ultimate Relaxation With Cbd 1000mg Gummies A Comprehensive Review Phxzl Ilyn himself over, so it is possible to forget him, I must remember, his name is Du Jiang, senior brother, your brother.The current situation is a small consultation, where everyone can express their opinions, and others patiently listen to the discussion between the two of them without interfering.
They have set up tents in the square, including plastic sheets, canvas, and various tents, but they can still be regarded as a shelter from the rain.If Du Heng still didn t mention the breakup after returning, even if his attitude towards her was a little worse, she would not have any complaints.
On June 5, 2020, the pangolin was upgraded to a national first level protected wild animal.You should understand this. Years ago At that time, the health system held a meeting.
He found someone to calculate it, and it basically cost less.He stepped on the accelerator and the speed of the car reached 60.
The other people all looked at Du Heng in confusion, hoping that he could really say something to refute.As the village chief spoke, he glanced at the dark night sky behind him, and saw nothing there.
Everyone is here. Wait outside. After saying this, Genesis Cbd Gummies I9g 5a4w those few people walked out reluctantly.Du doesn t have a girlfriend yet, and he has a formal job, which is very good.
All of them Du Heng looked around in disbelief at the little kids around him.Except for paralysis and hemiplegia, I will accept it myself.
When we arrived at the ward, there were no patients there.It is really good to just leave Cbd And Cbg Gummies Ld0o J7tydgfv like this. Look at him in turn.
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He was transferred from another department, and they had only been together for two months.Let s go and have a look. Du Yi also pushed Zhang Sumei from behind, Mom, hurry up, I m going to eat Hamburgers.
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Aunt and Xu Lingyue both encountered the seal of the quilt.Fear of being fired.Unless Lu e sold her body in Xu s mansion since she was a child, Xu Dalang could sleep with her maid, the rest of the servants signed the contract of living.
It is not uncommon for nobles and clans to serve as chief assistants in this dynasty.Your Excellency, please go to the front hall to have dinner first, and the villain will call you Master.
Jiang Lvzhong held the reins of the horse and said in relief.He is a lonely minister.If there are not many people under his command who can do things, how can he compete with the princes in the court.
If you don t go to court and break into the mansion, don t you just want to torture yourself If he is really behind the scenes, then he has rebelled now.After the bath, Princess Huaiqing leaves the garden and goes to the Qianqing Palace.
Miss Caiwei is my benefactor, so I naturally care about it, Xu Qi an said.Yu Wang smiled bitterly How ridiculous, marriage is a big deal between parents.
After he lost contact for no reason, I became more and more sure of this guess.Li Miaozhen was a little embarrassed It s my Feiyan Army.
What puzzled Xu Qi an was, why didn t the king show up directly It stands to reason that this opportunity to turn the tide is the one that the king desires the most.Well, there are always some warlocks who practice casually.
Now who this poem came from, the Secretary of Jiaofang still doesn t know, and there are countless curious people outside.What are you afraid of You can try poison later.Xu Qi an comforted.
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I want to trouble Master with something.Xu Qi an said in a friendly tone.Governor Zhang Say.Your Excellency is amazing. Ren and Hubenwei cast admiring gazes.I don t know why, Governor Zhang actually felt a sense of elation, that kind of feeling is not useless after all, and this official is also a dragon and phoenix among people, how can Xu Ningyan stand out from the crowd, and the sense of refreshment arises spontaneously.
The family members in my hometown don t know the bad news yet.This can be called a desperate situation, which makes the faces of all the fighters ugly, and their hearts sink to the bottom of the valley.
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.