Caraterización de los factores de riesgo en el manejo de las tarjetas de crédito en los habitantes de la ciudad de Neiva período 2019.
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Date
2019-12-08
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Publisher
Corporación Universitaria Minuto de Dios – UNIMINUTO
Type
Trabajo de Investigación e Innovación
Rights
Acceso Abierto - http://purl.org/coar/access_right/c_abf2
Abstract
El uso de las tarjetas de crédito en Colombia, ascienden constantemente y las entidades financieras buscan alternativas para acaparar el mercado, sin embargo, también existen factores de riesgo en el manejo de ellas, determinantes para los movimientos del mercado financiero y consecuencias para los usuarios como para las entidades financieras. La investigación tiene como objetivo central describir los factores de riesgo que inciden en el manejo de las tarjetas de crédito en los habitantes de la ciudad de Neiva en el periodo 2019. La investigación es de tipo descriptivo, observacional, sin intervención, prospectiva y transversal. Por consiguiente, la investigación está enfocada en realizar una descripción sobre los factores de riesgo en el manejo de las tarjetas de crédito, para lo cual se encuestaron 380 habitantes de la ciudad de Neiva, entre los 15 y 65 años, utilizando un cuestionario estructurado con 25 preguntas, que se tabularon en tablas dinámicas de Excel. Como resultado se encontró que el nivel de conocimiento sobre el manejo de las tarjetas de crédito en bajo en razón a que no se conocen las condiciones de plazos, intereses bajo las cuales se hace uso de este producto financiero.
. The use of credit cards in Colombia, are constantly rising and financial institutions are looking for alternatives to monopolize the market, however, there are also risk factors in managing them, determinants for financial market movements and consequences for users such as for financial institutions. The main objective of the research is to describe the risk factors that affect the management of credit cards in the inhabitants of the city of Neiva in the period 2019. The research is descriptive, observational, without intervention, prospective and transversal. Therefore, the research is focused on making a description of the risk factors in the handling of credit cards, for which 380 inhabitants of the city of Neiva, between 15 and 65 years old, were surveyed, using a structured questionnaire with 25 questions, which were tabulated in Excel pivot tables. As a result, it was found that the level of knowledge about the handling of credit cards is low due to the fact that the terms conditions are not known, interests under which this financial product is used.
. The use of credit cards in Colombia, are constantly rising and financial institutions are looking for alternatives to monopolize the market, however, there are also risk factors in managing them, determinants for financial market movements and consequences for users such as for financial institutions. The main objective of the research is to describe the risk factors that affect the management of credit cards in the inhabitants of the city of Neiva in the period 2019. The research is descriptive, observational, without intervention, prospective and transversal. Therefore, the research is focused on making a description of the risk factors in the handling of credit cards, for which 380 inhabitants of the city of Neiva, between 15 and 65 years old, were surveyed, using a structured questionnaire with 25 questions, which were tabulated in Excel pivot tables. As a result, it was found that the level of knowledge about the handling of credit cards is low due to the fact that the terms conditions are not known, interests under which this financial product is used.
Description
Describir los factores de riesgo que inciden en el manejo de las tarjetas de crédito en los habitantes de la ciudad de Neiva en el período 2019.
Keywords
Tarjetas de crédito, Factores de riesgo, Entidades bancarias, Credit cards, Risck factors, Banks, Risk factors