Asesoría financiera para los estratos 2 y 3 del municipio de Amagá
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Date
2020-05-31
Authors
Torres Guzmán, Ángela Mariana
Jaramillo Vásquez, Cristina
Sánchez Gómez, Daniela Cristina
Advisors
González Fernández, Gina Paola
Editors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Thesis
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Abstract
En Colombia aun es notorio el bajo nivel de la educación financiera, algunas personas no posee los conocimientos necesarios para tomar decisiones financieras y presentan un gran desconocimiento en temas básicos de finanzas, por lo que el tema a resaltar en este trabajo es que la mayoría de las personas acceden al crédito sin tener con antelación ninguna asesoría financiera que les ayude proyectar su proyecto de emprendimiento o su idea de negocio para que sea rentable, y adicionalmente estas personas se exponen a situaciones como: el sobreendeudamiento, la ineficiencia en la administración de los ingresos personales, no adquirir el hábito del ahorro, adquirir obligaciones de préstamos con independientes o entidades que tienen altas tasas de interés o peor aún, caer en estafas que prometen altas rentabilidades en poco tiempo. Este análisis se realizará por medio de encuestas a la población del municipio de Amagá y entrevistas dirigidas a las Cooperativas del municipio de Amagá, las cuales han brindado acceso al crédito a la población de los estratos 2 y 3 para creación de pequeñas empresas. Con los resultados y estadísticas obtenidas en el trabajo de campo con estas Cooperativas y algunos de sus clientes, se realiza un sondeo para determinarla importancia que tiene la asesoría financiera paralas personas de estrato 2 y 3 del municipio de Amagá, además de indicar cuáles serían las mejores estrategias para llegar al mayor número de personas de la población, que estén interesadas en la asesoría financiera antes de solicitar un crédito.
In Colombia, the low level of financial education is still notorious, some people do not have the necessary knowledge to make financial decisions and have a great lack of knowledge on basic financial issues, so the theme to highlight in this work is that the majority of people access credit without having in advance any financial advice to help them project their entrepreneurship project or their business idea so that it is profitable, and additionally these people are exposed to situations such as: over-indebtedness, inefficiency in the administration of personal income, not acquiring the habit of saving, acquiring loan obligations with independent or entities that have high interest rates or worse, falling into scams that promise high returns in a short time. This analysis will be carried out through surveys of the population of the municipality of Amagá and interviews directed at the Cooperatives of the municipality of Amagá, which have provided access to credit to the population of strata 2 and 3 for the creation of small businesses. With the results and statistics obtained in the field work with these Cooperatives and some of their clients, a survey is conducted to determine the importance of financial advice for people in stratum 2 and 3 of the municipality of Amagá, in addition to indicating which They would be the best strategies to reach the largest number of people in the population, who are interested in financial advice before applying for a loan.
In Colombia, the low level of financial education is still notorious, some people do not have the necessary knowledge to make financial decisions and have a great lack of knowledge on basic financial issues, so the theme to highlight in this work is that the majority of people access credit without having in advance any financial advice to help them project their entrepreneurship project or their business idea so that it is profitable, and additionally these people are exposed to situations such as: over-indebtedness, inefficiency in the administration of personal income, not acquiring the habit of saving, acquiring loan obligations with independent or entities that have high interest rates or worse, falling into scams that promise high returns in a short time. This analysis will be carried out through surveys of the population of the municipality of Amagá and interviews directed at the Cooperatives of the municipality of Amagá, which have provided access to credit to the population of strata 2 and 3 for the creation of small businesses. With the results and statistics obtained in the field work with these Cooperatives and some of their clients, a survey is conducted to determine the importance of financial advice for people in stratum 2 and 3 of the municipality of Amagá, in addition to indicating which They would be the best strategies to reach the largest number of people in the population, who are interested in financial advice before applying for a loan.
Description
Identificar que la población de los estratos 2 y 3 del municipio de Amagá, requiere el servicio de asesoría financiera antes de solicitar un crédito.
Keywords
Asesoría, Cooperativa, Crédito, Inversión, PYMES, Educación Financiera, Advice, Cooperative, Financial Education