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.
En México, gracias a la apertura de empresas que han mostrado un gran compromiso con la tecnología, poco a poco han ido ganando terreno los rubros del marketing digital.
El big data desempeña un papel vital en los procesos de toma de decisiones para las empresas, proporcionando información completa sobre el comportamiento del consumidor.
Entre el 17 de enero y el 7 de febrero despegaron más de 163 aviones cargueros desde Ecuador y Colombia, triplicando el promedio de envíos regulares semanales.
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Now you understand how scary spiritualism is, right.After all, in the last faction war, there were countless players who got benefits but no one cared about those players who were unlucky.
On the battlefield, the effect of an Earth Bear is extremely terrifying.However, without these, the straight line distance of thousands of kilometers would take more than several hours of flying to reach.
Only by solving all these can we eat that fat cake with peace of mind.Of course, when they get close, they will often be thrown to the ground and tied up by the net, which will directly reduce most of the griffin group.
Beamon with orc assistance and Beamon without orc assistance are completely different levels of threat.At this time, she also understood why her master valued the other party.
As soon as the scythe was waved, the centaur leader lay down instantly.After all, small size means that it is agile enough and difficult to be hit or blocked, so it is best for Silver Pegasus to take action.
Uh huh A dark vortex appeared in front of Zhao Hao.On the road dozens of kilometers away from Yunwu City.
Just when he was about to open his mouth to ask something, he suddenly had a splitting headache, and a huge flow of information rushed into his mind.Qinglong At this time, he turned into the Demon Court Qinglong who had not appeared for a long time.
Especially the shooters holding the Holy Light Crossbow were the most aggrieved.If they didn t have a lot of life saving abilities, they might have fallen to their knees long ago.
But the director of the Mingyue City branch and the director of the Crow Principality branch are just like Master Kang and Shuaifu Kang.Tear However, after the transformation, the war Unstoppable Fat Loss Blog [MtJXPQatqHi] - Digital Writing scythe also struck the flying dragon s lower limbs.
Therefore, many players know the importance of hero identity, but still choose to give up this identity.Card, card Four white bone dogs, the size of minibuses and made of skeletons that exuded the luster of white jade, appeared.
Whizzing Half of the Death Gods who originally blocked the periphery of the battlefield to prevent the Sea of Undead from approaching, directly levitated into the air and faced the dozens of flying bone dragons.Being able to successfully land at such a close place Lee Westwood CBD Gummies UK (United Kingdom) Hemp Reviews 2021, anxiety, Price, ingredient & Buy [ZyMcn5edYel] - Digital Writing without being discovered, the most grateful thing may be the cold wind that never dissipates, which allows people to see it for about one kilometer at most.
Even if the other party learned a lesson last time and logically would not do it again, even if there is even one percent chance of such a thing happening, one must be 100 percent prepared.The passage of Golden Valley can enter other areas of Falcon.
If the target of the bomb flying dragon s attack is a person, they still have many ways to save their lives.The only problem is that there isn t much movement The other adventurers fought in the underground in a shocking manner, blowing up the mud layers from time to time.
According to Zhao Hao s intelligence, Laina, the commander in chief of the southwest theater, is invincible and is about to break through the main city of Shenmu Fort.It Goli Vitamins for energy and weight loss [QEgwJxfMgFH] - Digital Writing doesn t need to be much, as long as they can sail.
In other words, the two basic characteristics of the Star Robe allow him to move and cast spells.Loot is distributed according to contribution Since there was Chocolate Mint Superfood Milkshake W/ Raw Beauty & Charlotte's Web CBD Oil [m6pdiCmToxH] - Digital Writing no full scale firepower on the battlefield, the spoils received were not very large, and only a dozen pieces of divine blood and a piece of divine body were obtained.
Of course, it s definitely not because this profession has the most psychopaths.Finally, the violent abomination, whose body was covered with blood and mutilated limbs, took heavy steps towards the giant beasts under the command of the beasts.
It is really worth paying 10 of the income for this.Turing, who stood in the center The Devil Don't Sleep [1bhm1pGhttU] - Digital Writing of the alchemy circle with his eyes closed, was gritting his teeth at this time.
At this time, he was no longer in such urgent need of ordinary treasures.Troops of troops were assembled and prepared to attack.
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The fleet is Apple Cider Vinegar an Alternative Base Infusion [YmfPkJVvaqv] - Digital Writing led by Naga Siren at all times. Of course, the other party is indispensable in opening up the waterway this time.However, speed is extremely important for other flying creatures, but for the Explosive Wyvern, it is only a support at best.
It is almost the opponent s instinct to command an army in war, and the undead army led by him can display amazing strength.other side. It s okay, the Tianhai Alliance is the Tianhai Alliance, and the Haitian Guild is the Haitian Guild, isn t it Zhao Hao replied meaningfully.
Nor did he look at the royal gryphon in the sky. Although it was a sixth level unit with tens of thousands of units, it was not taken seriously Weight loss pills [DtKZ0aCBdbg] - Digital Writing by him at all.After all, by following a big guild, you can earn faster and safer than making scattered contributions on your own.
I remember that at the beginning, I regarded Liang Zhongtian as a friend and had great trust in him.Qingyang has no choice but to take out the Soul Gathering Flag.
It s just CBD for Herpes - March [cg0HkUeI30U] - Digital Writing that the Foundation Establishment Pill is too rare, even Qingyang himself doesn t have it, let alone the Iron Arm Monkey Now I can only take one step at a time and hope he can survive until that day.Judging from the way the three of them were talking, they seemed to know each other well.
He was mentally prepared for this, but he didn t expect Elder Wusi to be able to endure it for such a long time.His own advantages are not strong, and he is used to sneak attacks in secret.
Not willing to become a loser from now on. Seeing Qingyang becoming more and more courageous as he fought, the three corpses controlled by the blood demon Gu on the opposite side had more and more damaged parts and were about to lose their fighting power.The people of Yuling Sect defeated the puppet so quickly.
Looking at Qingyang, who seemed to be able to fight against Liang Yudong, the expressions on Duan Rusong and Yun Xiaomei s faces were extremely complicated.There is a kind of evil wind in Yinfeng Gorge all year round, which has a strong interference with the spiritual thoughts of the monks and also does a lot of damage to the monks bodies.
The old Taoist priest smiled and said, He said, I have already said that sincerity leads to spirituality, and a righteous heart leads to spirituality.Qingfeng Palace has already seen through our plan, and a large force is about to come to kill Sleep Token - Distraction (Lyrics) [JyY9Beexx7r] - Digital Writing us.
Liang Zhongtian looked at Qingyang, his expression kept changing.Tao Yougong s words did not satisfy the three casual cultivators, and the gloomy man said We are right, but the disciples of the Immortal Sect can bully others Why should we suffer Tao Yougong couldn t help but feel a little embarrassed.
Condensation and compression, Yuanshen has already reached the edge of breakthrough because he often practices Concentration Art.After seeing everyone, they exchanged a few pleasantries, and then Master Kangzhuang said, Brothers, my uncle has been waiting at my home for a long time.
In fact, cultivation is like this. The road is difficult and there are countless thresholds.The gray light turned in a direction in the air and avoided being thrown towards him.
For a disciple like him who had no background, the Qin family was a behemoth.However, Liang Zhongtian has already clasped a golden sword talisman in his hand, and he suddenly transformed into a golden flying beam.
I need to strengthen my natal flying sword and bring back some training resources Li Yuanba said without any hidden thoughts.In his opinion, Li Yuanba s formation level is the highest here.
He also does not lack the elixir of the early stage of Yuanying.At first, 5 Stages Of Overdosing On Edibles [ghnzfQjsHiD] - Digital Writing the yin and cold energy was increasing and decreasing, but when it walked in front of the jade compass, the yin and cold energy had stabilized.
The general s movements were really too fast, and the third claw was grabbed out, and the body in the late stage of foundation building was under its sharp claws.Of course, this level of spiritual power concentration is not bad, but the radiation here is more than ten times stronger.
Qian Yi of Zhongzhou Trading Company has met fellow Taoist Baidi Sect.If the four eminent Buddhist monks had continued to serve the disciples in the temple and used the Buddha s will to assist the disciples in practicing Are weight loss supplements safe and do they really work? [QzmqIv0L7yA] - Digital Writing Buddhist techniques, then they would not have been able to practice the Buddha s will to such an extent.
His natal flying sword hit the body of the Yuanying monk, which was enough to destroy the body of the Yuanying monk.Even if the great monk uses non fourth grade top level magic weapons, it will be difficult to break through his physical defense.
Lingbao s Xing Yijian was suppressed by him to the top quality of the fourth level.The resources of Zhongzhou Continent CBD Tincture [IkUDqC5fDRg] - Digital Writing have long been divided up.
Even if there is a trace of something wrong, IBMz15 will immediately inform him.During the recall process, the lightning rule marks appeared in the bodies of the five Nascent Souls.
He wanted to use it to replace his own natal flying sword, but the other monks natal flying swords only had half of their power in his Testosterone Killing Habits ? [AFVOAQjsWdo] - Digital Writing hands.Now that the sect s secrets have been revealed, the common sense issue of Xi soil is nothing.
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.