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.
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10 estudiantes mexicanos viajarán a China para vivir dos semanas de una experiencia cultural y formativa en el campo de las TIC. Seeds for the Future de Huawei los apoya.
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Whoosh Before he could finish speaking, this middle aged man from the Yin Yang Sect had already moved.We must not tolerate this Ye Fei anymore this time.
He wanted to get rid of the Qi Replenishing Pills he had refined and the loot, and then exchange them for what he wanted.He would be polite and show it when he came up. Style, there is no need for Ye Fei to show off with this kind of person, he can just start a war.
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War King and Raphael, who were around just now, disappeared.The shimmering white jade altar had no trace of the undead touching it, and there was a long strip in the center of the altar.
Turn around This is the common thought of all Raging Dragon Guild players.Silver Pegasus, Shadow The Swordsman suffered little loss because he was not charged into the battle before.
As the saying goes, wealth can lead to gods. Although this method is primitive, it will always work
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It s not that they received new revelations, but that the closed door of time and space was touched PS This is two in one, sent together.One day these problems will no longer be a problem Harrov, who was sitting in the judging seat, also nodded.
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