Opciones de financiamiento en clínicas veterinarias.
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Date
2024-05
Authors
Barbosa Muñoz, Cristian Andrés
Advisors
Escobar Pérez, Angelica
Editors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Thesis
Rights
Abstract
El proyecto presentado toma como base la necesidad que existe en las familias con sus mascotas, principalmente en estratos 1, 2 y 3 las cuales han sufrido una emergencia inesperada con sus animales domésticos, y no tienen el recurso económico para sustentar esa emergencia, tanto así que muchas familias se resignan a sus pérdidas.
Como es de conocimiento las clínicas veterinarias no se ven interesadas en prestar servicios gratuitos; debido a que son entidades privadas las cuales buscan beneficios económicos para sus propietarios o accionistas, y así poder sostenerse a largo plazo, y es que de no ser así la empresa no generaría los ingresos necesarios para cubrir los costos operativos y seguir creciendo, esto podría llevar al cierre de la empresa, lo que no beneficiaría a los dueños de mascotas a largo plazo.
Por otro lado, en Colombia no existe una ley que garantice la atención hospitalaria en mascotas de forma gratuita, lo más cercano se ubica en la ciudad de Bogotá, en un proyecto de acuerdo el cual tiene como objeto estrategias para realizar asesoría medica veterinaria sin costo en hogares de bajos recursos, pero esto no respalda la atención inmediata de emergencia, es por ello que se busca dar a conocer diferentes alternativas de financiamiento como los créditos agiles en clínicas veterinarias que facilitarían la vida de las personas en cuanto a sus necesidades y la importancia de este producto financiero, que brinda soluciones a situaciones inesperadas de forma ágil, para ello es necesario entender el creciente desarrollo del mercado y como de la mano del sector veterinario se puede fortalecer este nicho con gran oportunidad.
Es así como se toman objetivos claves a desarrollar donde se puedan identificar estas necesidades mediante entrevistas que permitan validar la efectividad de los créditos agiles en clínicas veterinarias de Medellín, brindando información detallada de la implicación de tener otras maneras de pago en casos de emergencias con mascotas y como de alguna manera el no tenerlas resulta en una pérdida directa de ingresos para las clínicas.
Por ende, en el trabajo se evidencia un portafolio con diferentes formas de financiamiento, partiendo de la necesidad expresada por expertos en el sector veterinario, especialmente al momento de recibir personas sin dinero para pagar emergencias urgentes con sus mascotas.
The project presented is based on the need that exists in families with their pets, mainly in strata 1, 2 and 3, which have suffered an emergency with their domestic animals, and do not have the economic resources to support that emergency, both so many families resign themselves to their losses. As is known, veterinary clinics are not interested in providing free services; Because they are private entities which seek economic benefits for their owners or shareholders, and thus be able to sustain themselves in the long term, and if this were not the case, the company would not generate the necessary income to cover operating costs and continue growing, this could lead to the closure of the company, which would not benefit pet owners in the long term. On the other hand, in Colombia there is no law that guarantees free hospital care for pets; the closest thing is in the city of Bogotá, in a draft agreement whose objective is strategies to provide free veterinary medical advice. in low-income homes, but this does not support immediate emergency care, which is why we seek to publicize different financing alternatives such as agile credits in veterinary clinics that would make people's lives easier in terms of their needs and importance of this financial product, which provides solutions to unexpected situations in an agile way, for this it is necessary to understand the growing development of the market and how, with the help of the veterinary sector, this niche can be strengthened with great opportunity. This is how key objectives are taken to be developed where these needs can be identified through an interview that allows validating the effectiveness of agile credits in veterinary clinics in Medellín, providing detailed information on the implication of having other payment methods in cases of emergencies with pets and how in some way not having them results in a direct loss of income for the clinics. A portfolio is delivered with different forms of financing, based on the need expressed by experts in the veterinary sector, especially when receiving people without money to pay for urgent emergencies with their pets.
The project presented is based on the need that exists in families with their pets, mainly in strata 1, 2 and 3, which have suffered an emergency with their domestic animals, and do not have the economic resources to support that emergency, both so many families resign themselves to their losses. As is known, veterinary clinics are not interested in providing free services; Because they are private entities which seek economic benefits for their owners or shareholders, and thus be able to sustain themselves in the long term, and if this were not the case, the company would not generate the necessary income to cover operating costs and continue growing, this could lead to the closure of the company, which would not benefit pet owners in the long term. On the other hand, in Colombia there is no law that guarantees free hospital care for pets; the closest thing is in the city of Bogotá, in a draft agreement whose objective is strategies to provide free veterinary medical advice. in low-income homes, but this does not support immediate emergency care, which is why we seek to publicize different financing alternatives such as agile credits in veterinary clinics that would make people's lives easier in terms of their needs and importance of this financial product, which provides solutions to unexpected situations in an agile way, for this it is necessary to understand the growing development of the market and how, with the help of the veterinary sector, this niche can be strengthened with great opportunity. This is how key objectives are taken to be developed where these needs can be identified through an interview that allows validating the effectiveness of agile credits in veterinary clinics in Medellín, providing detailed information on the implication of having other payment methods in cases of emergencies with pets and how in some way not having them results in a direct loss of income for the clinics. A portfolio is delivered with different forms of financing, based on the need expressed by experts in the veterinary sector, especially when receiving people without money to pay for urgent emergencies with their pets.
Description
Keywords
créditos agiles, clínicas veterinarias, mascotas, oportunidad, solución, Agile credits, Veterinary clinics, Pets, Opportunity, Solution