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Creación de capacidades de gestión para el desarrollo del turismo rural: un enfoque desde la colaboración Universidad-Empresa 促进乡村旅游发展的管理能力建设:大学与产业合作方法
IF 0.3 Pub Date : 2024-02-01 DOI: 10.14349/sumneg/2024.v15.n32.a2
Dailén Noa Guerra, Daimes Gascón González, Esteban Rodríguez Torres
Introduction: Municipal autonomy in crafting and executing local development strategies is pivotal for reducing reliance on central authority and fostering solutions to economic, social, and environmental challenges at the grassroots level. Strengthening management capacities within each municipality is therefore crucial for driving local initiatives that effectively address these issues. Objective: To identify, through university-industry collaboration, strategies for expanding management capacities for rural tourism as a catalyst for local development at the municipal level. Methodology: This research adopts a descriptive, qualitative approach. Methods such as documentary analysis, scientific observation, and interviews were employed to underpin the proposal, drawing from experiences in the Avileño municipalities of Florencia, Chambas, and Bolivia. Results: Several integrated actions and workshops have been structured within the university-industry-municipality framework, offering a suite of tools that enhance learning and foster innovative management capacities at the municipal level, with a focus on leveraging tourism activity for local development. Conclusions: The proposed actions and workshops represent a significant stride in rural tourism management within these municipalities. Establishing structures and operational systems is crucial for driving the local economy and organizing knowledge in tourism, thus facilitating a direct impact on local development.
导言:市政当局在制定和执行地方发展战略方面的自主权对于减少对中央权力的依赖、促进基层解决经济、社会和环境挑战至关重要。因此,加强各市的管理能力对于推动有效解决这些问题的地方举措至关重要。目标:通过产学合作,确定扩大乡村旅游管理能力的战略,促进市镇一级的地方发展。研究方法:本研究采用描述性定性方法。通过文献分析、科学观察和访谈等方法,借鉴弗洛伦西亚、尚巴斯和玻利维亚的阿维列诺市的经验,为本提案提供依据。成果:在大学-产业-城市框架内组织了若干综合行动和研讨会,提供了一整套工具,以加强学习和培养城市一级的创新管理能力,重点是利用旅游活动促进当地发展。结论:拟议的行动和讲习班是这些城市在乡村旅游管理方面迈出的重要一步。建立结构和运作系统对于推动地方经济和组织旅游知识至关重要,从而促进对地方发展的直接影响。
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引用次数: 0
Agency costs and conditional conservatism of public companies in the Brazilian electric industry 巴西电力行业上市公司的代理成本和条件保守主义
IF 0.3 Pub Date : 2024-02-01 DOI: 10.14349/sumneg/2024.v15.n32.a3
Paulo Vitor Souza de Souza, Henrique Carvalho Bezerra Morais
Introduction / objective: In organisations, conflicts of interest give rise to agency costs aimed at mitigating agent opportunism. High-quality accounting information reduces these conflicts by minimising information asymmetry. Consequently, this study aims to investigate the relationship between agency costs and conditional conservatism in Brazilian electric power industry companies listed on the B3. Methodology: Data from 21 Brazilian electric power industry companies for the period 2012 to 2020 were utilised. Twenty-four attributes associated with agency costs were analysed, and Ball and Shivakumar’s (2005) conditional conservatism model was employed as a measure of accounting information quality. Panel data regression models were used to obtain the results. Results: According to the central conditional conservatism model, companies tend to exhibit optimism rather than conservatism, anticipating gains instead of losses. Results, assessed across five dimensions, revealed that factors such as board composition, variable compensation, and agreements with shareholders reduce optimism, while qualified audits, longer tenures, and the presence of a permanent audit committee increase optimism. Therefore, attributes that influence optimism, accounting information neutrality, and consequently, financial reporting quality, are identified. Conclusions: This study benefits various users of accounting information. Investors can pinpoint governance policies that align interests, regulators can enhance oversight, and organisation members can adopt policies that encourage the alignment of interests between principals and agents.
导言/目标:在组织中,利益冲突会产生旨在减少代理人机会主义的代理成本。高质量的会计信息可以最大限度地减少信息不对称,从而减少这些冲突。因此,本研究旨在调查巴西电力行业 B3 上市公司的代理成本与条件保守主义之间的关系。研究方法:利用 21 家巴西电力行业公司 2012 年至 2020 年期间的数据。分析了与代理成本相关的 24 个属性,并采用 Ball 和 Shivakumar(2005 年)的条件保守主义模型作为会计信息质量的衡量标准。采用面板数据回归模型得出结果。分析结果根据中央条件保守主义模型,公司倾向于表现出乐观而非保守,预期收益而非损失。从五个维度评估的结果显示,董事会组成、浮动薪酬和与股东的协议等因素会降低乐观程度,而有保留意见的审计、较长的任期和常设审计委员会的存在则会提高乐观程度。因此,可以确定影响乐观情绪、会计信息中立性以及财务报告质量的属性。结论这项研究对会计信息的不同使用者都有好处。投资者可以找到利益一致的治理政策,监管机构可以加强监督,组织成员可以采取鼓励委托人和代理人利益一致的政策。
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引用次数: 0
Informalidad y desempeño económico: una aproximación inicial desde la percepción de los empresarios en la región Lima, Perú 非正规性与经济绩效:秘鲁利马地区企业家的初步近似看法
IF 0.3 Pub Date : 2024-01-01 DOI: 10.14349/sumneg/2024.v15.n32.a1
L. A. Baldeos Ardian, Abrahán Cesar Neri Ayala, S. E. Ramos y Yovera, Dalila Irene Villanueva Cadenas, Gleny Amelia Ching Campos, Ronie Angel Collantes Collantes
Introduction/Objective: The informal economy is often presented as a gateway to entrepreneurship, where the only objective for entrepreneurs is to get ahead, bypassing the laws imposed in the country. The purpose of this study was to determine the perception of traders on the relationship between the informality of businesses in the Lima Provinces region and the performance of the Peruvian economy. Methodology: A quantitative study was developed, with a non-experimental, cross-sectional design and correlational scope. A questionnaire was prepared and administered to the owners of 380 informal enterprises located in the Lima Provinces region, with a margin of error of 5 % and a confidence level of 95 %. Results: Using Spearman’s non-parametric Rho statistic, a negative and significant correlation of −0.415 (p < 0.05) was found for the perception of business informality and the economy. Conclusions: It was found that as the perception of traders in the Lima Provinces Region regarding business informality increases, their evaluation of the economy tends to decrease.
导言/目标:非正规经济往往被视为创业的入口,创业者在非正规经济中的唯一目标就是绕过国家法律,获得成功。本研究旨在了解利马省地区商人对非正规企业与秘鲁经济表现之间关系的看法。研究方法:本研究采用非实验、横截面设计和相关范围的定量研究。编制并向利马省地区 380 家非正规企业的所有者发放了调查问卷,误差范围为 5%,置信水平为 95%。结果:利用斯皮尔曼非参数 Rho 统计法,发现企业非正规性与经济的相关性为-0.415(p < 0.05),呈显著负相关。结论研究发现,随着利马省地区贸易商对商业不正规程度认知的增加,他们对经济的评价也呈下降趋势。
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引用次数: 0
Inclusive economic growth and international trade in Peru 2000-2021 2000-2021年秘鲁包容性经济增长和国际贸易
IF 0.3 Pub Date : 2023-07-31 DOI: 10.14349/sumneg/2023.v14.n30.a5
Harold Delfín Angulo Bustinza, Valeria Fátima Zeballos Ponce
Introduction/Purpose: Inclusive economic growth is a concept that has taken on importance in recent years globally; however, it has scarcely been studied in Peru. This research aims to know if there exists a positive relationship between inclusive economic growth and international trade in Peru in the period 2000-2021. Methodology: Inclusive economic growth was measured using the pillars of growth and development (per capita GDP, labour productivity, employment, and life expectancy) and inclusion (income concentration and poverty) of the Inclusive Development Index (IDI) proposed by the World Economic Forum. The Ordinary Least Squares (OLS) method was used to perform the regressions. Findings: The results show that the growth of International Trade in Peru has a positive relationship with two of the indicators of inclusive economic growth analysed: real GDP per capita and Vulnerable Employment. In contrast, it has a negative relationship with Labour Productivity. There is no statistical significance for the Poverty variable. Furthermore, there is no cointegration between Peruvian International Trade and Life Expectancy at Birth or Income Distribution. Conclusions: Therefore, it is concluded that inclusive economic growth has a positive relationship with Peruvian International Trade. The study focuses on four development pillars and two inclusion pillars, so the analysis will serve to propose policies that promote inclusive economic growth in Peru.
前言/目的:包容性经济增长是近年来在全球范围内越来越重要的一个概念;然而,秘鲁几乎没有对其进行过研究。本研究旨在了解2000-2021年期间秘鲁包容性经济增长与国际贸易之间是否存在正相关关系。方法:使用世界经济论坛提出的包容性发展指数(IDI)的增长和发展支柱(人均GDP、劳动生产率、就业和预期寿命)和包容性(收入集中度和贫困)来衡量包容性经济增长。采用普通最小二乘法(OLS)进行回归分析。研究结果表明,秘鲁国际贸易的增长与所分析的包容性经济增长的两个指标:实际人均GDP和弱势就业呈正相关关系。相反,它与劳动生产率呈负相关。贫困变量没有统计学意义。此外,秘鲁国际贸易与出生时预期寿命或收入分配之间没有协整关系。结论:因此,得出包容性经济增长与秘鲁国际贸易呈正相关的结论。该研究侧重于四个发展支柱和两个包容性支柱,因此分析将有助于提出促进秘鲁包容性经济增长的政策。
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引用次数: 0
Evaluación de capacidades de investigación en un grupo de investigación: estudio de caso 研究小组研究能力评估:案例研究
IF 0.3 Pub Date : 2023-07-28 DOI: 10.14349/sumneg/2023.v14.n30.a4
Luz Eugenia Botero-Suaza, E.A. Moncada-Acevedo
Introduction / objective: Taking into account the current dynamics, where globalization and economic openness play a fundamental role in the development of countries, it is necessary that higher education institutions contribute to this development with elements from research, technological development and innovation to solving business and social problems. In this sense, the research groups play a relevant role, therefore, the objective of this work is to evaluate the innovation capacities in the Research Group on Emerging, Sustainable and Intelligent Technologies (GITESI) of the Faculty of Engineering at the University Institution from Envigado. Methodology: The study corresponds to the qualitative approach with scope and descriptive design, exploratory character due to the collection of data in primary sources that was carried out in one of the phases of the investigation, the Innovation Capacities tool for CIGI Research groups and simple cross-sectional was used because it was characterized the weather situation in a specific period. The sample was: the leader and the coordinators of the research lines of the group, as well as some of the researchers associated with any of the lines. The information was collected through in-depth interviews. Results: An evaluation of the innovation capacities is obtained according to the categories defined in the CIGI model, these can be seen graphically using the Power BI tool, where the scores obtained are shown. Finally, an action plan is proposed to close the gaps. Conclusions: An evaluation of the innovation capacities is obtained according to the categories defined in the CIGI model, these can be seen graphically using the Power BI tool, where the scores obtained are shown. Finally, an action plan is proposed to close the gaps.
引言/目标:考虑到当前的动态,全球化和经济开放在国家的发展中发挥着根本作用,高等教育机构有必要通过研究、技术开发和创新来解决商业和社会问题,为这一发展做出贡献。从这个意义上说,研究小组发挥了相关的作用,因此,这项工作的目标是评估恩维加多大学学院工程学院新兴、可持续和智能技术研究小组(GITESI)的创新能力。方法:本研究采用定性方法,具有范围和描述性设计;探索性特征,因为在调查的一个阶段进行了主要来源的数据收集;CIGI研究小组的创新能力工具;使用简单的横截面,因为它表征了特定时期的天气情况。样本是:小组研究方向的领导者和协调者,以及与任何方向相关的一些研究人员。这些信息是通过深度访谈收集的。结果:根据CIGI模型中定义的类别获得了对创新能力的评估,这些可以使用Power BI工具以图形方式显示,其中显示了获得的分数。最后,提出了缩小差距的行动计划。结论:根据CIGI模型中定义的类别获得了创新能力的评估,这些可以使用Power BI工具以图形化的方式看到,其中显示了获得的分数。最后,提出了缩小差距的行动计划。
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引用次数: 0
La confianza cognitiva como antecedente del intercambio de conocimiento en equipos de tecnología 认知信任作为技术团队知识交流的前提
IF 0.3 Pub Date : 2023-05-30 DOI: 10.14349/sumneg/2023.v14.n30.a1
Luz Estela Cardona Gómez, Ana María Espinosa Suescún, Camilo Franco Ruiz
Introduction/Objective: Literature studying the relationship between trust and knowledge sharing emphasizes two sub-dimensions (affective and cognitive trust) and their influence on such exchange. This research aims to determine the relationship between affective or cognitive Trust in Knowledge Sharing within a technology team at a family compensation fund in the context of Medellin, Colombia. Methodology: The study adopts a quantitative approach, using Partial Least Squares Structural Equation Modeling (PLS-SEM) technique for analyzing 83 surveys. Instruments for measuring trust and knowledge sharing were investigated, and 25 articles were selected, 14 for measuring trust and 11 for measuring knowledge sharing. Three of them were selected for measurement purposes. Results: The study shows that affective trust does not have a significant effect on knowledge sharing in the studied technology team, but cognitive trust does. This highlights the importance of understanding the cognitive qualities of work relationships to manage knowledge effectively in a Colombian IT team context. Conclusions: This indicates that team members prefer to share knowledge with those who demonstrate relevant knowledge to them. With this understanding, actions can be implemented that are more tailored to the characteristics of technical teams to promote sharing of their members’ knowledge and improve organizational results.
引言/目的:研究信任与知识共享关系的文献强调了两个子维度(情感信任和认知信任)及其对知识共享的影响。本研究旨在确定哥伦比亚麦德林一家家庭补偿基金的技术团队中对知识共享的情感或认知信任之间的关系。方法:本研究采用定量方法,使用偏最小二乘结构方程建模(PLS-SEM)技术对83项调查进行分析。调查了衡量信任和知识共享的工具,选出了25篇文章,其中14篇用于衡量信任,11篇用于衡量知识共享。出于测量目的,选择了其中三个。结果:研究表明,在所研究的技术团队中,情感信任对知识共享没有显著影响,但认知信任有显著影响。这突出了理解工作关系的认知品质对于在哥伦比亚IT团队环境中有效管理知识的重要性。结论:这表明团队成员更喜欢与那些向他们展示相关知识的人分享知识。有了这一认识,就可以实施更适合技术团队特点的行动,以促进成员知识的共享并提高组织成果。
{"title":"La confianza cognitiva como antecedente del intercambio de conocimiento en equipos de tecnología","authors":"Luz Estela Cardona Gómez, Ana María Espinosa Suescún, Camilo Franco Ruiz","doi":"10.14349/sumneg/2023.v14.n30.a1","DOIUrl":"https://doi.org/10.14349/sumneg/2023.v14.n30.a1","url":null,"abstract":"Introduction/Objective: Literature studying the relationship between trust and knowledge sharing emphasizes two sub-dimensions (affective and cognitive trust) and their influence on such exchange. This research aims to determine the relationship between affective or cognitive Trust in Knowledge Sharing within a technology team at a family compensation fund in the context of Medellin, Colombia. Methodology: The study adopts a quantitative approach, using Partial Least Squares Structural Equation Modeling (PLS-SEM) technique for analyzing 83 surveys. Instruments for measuring trust and knowledge sharing were investigated, and 25 articles were selected, 14 for measuring trust and 11 for measuring knowledge sharing. Three of them were selected for measurement purposes. Results: The study shows that affective trust does not have a significant effect on knowledge sharing in the studied technology team, but cognitive trust does. This highlights the importance of understanding the cognitive qualities of work relationships to manage knowledge effectively in a Colombian IT team context. Conclusions: This indicates that team members prefer to share knowledge with those who demonstrate relevant knowledge to them. With this understanding, actions can be implemented that are more tailored to the characteristics of technical teams to promote sharing of their members’ knowledge and improve organizational results.","PeriodicalId":42652,"journal":{"name":"Suma de Negocios","volume":null,"pages":null},"PeriodicalIF":0.3,"publicationDate":"2023-05-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48618925","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Participación de mujeres de Cundinamarca en escenarios políticos, de empleabilidad y emprendimiento 昆迪纳马卡妇女参与政治、就业和创业舞台
IF 0.3 Pub Date : 2023-05-19 DOI: 10.14349/sumneg/2023.v14.n30.a3
Luisa Fernanda Restrepo Villa, Mariana Arévalo Retallack
Introduction / Objective: The political and economic participation (employment and entrepreneurship) of women in Cundinamarca, entail challenges and opportunities for the quadruple helix (Government, Industry, Academy and Civil Society), especially because the linking and consolidation of women’s role in the political and economic field, requires integrated efforts of these stakeholders. This article presents an analysis of the perceptions and realities of women in Cundinamarca, as a contribution from academia to the construction of action frameworks for their inclusion. Methodology: A mixed method was applied: first, a bibliographical review was carried out, and then a statistical data analysis in the SPSS software, with the objective of obtaining descriptive information from the sample and establishing relationships between gender and occupation and gender and perceptions regarding the importance of women’s political participation. Results: The analysis show how the level of academic training of women in Cundinamarca has a close relationship with their perceptions of political participation and occupation. Conclusion: It is presented some challenges and opportunities that different stakeholders must face in order to contribute to the strengthening of the women’s political and economic participation in the state of Cundinamarca.
引言/目标:昆迪纳马卡妇女的政治和经济参与(就业和创业)为四重螺旋(政府、工业、学院和民间社会)带来了挑战和机遇,特别是因为要将妇女在政治和经济领域的作用联系起来并加以巩固,需要这些利益攸关方作出综合努力。本文分析了昆迪纳马卡妇女的观念和现实,作为学术界对构建包容妇女的行动框架的贡献。方法:采用混合方法:首先进行文献综述,然后在SPSS软件中进行统计数据分析,目的是从样本中获得描述性信息,并建立性别与职业、性别与对妇女政治参与重要性的看法之间的关系。结果:分析表明,昆迪纳马卡妇女的学术培训水平与她们对政治参与和职业的看法密切相关。结论:不同的利益攸关方必须面对一些挑战和机遇,以便为加强妇女在昆迪纳马卡州的政治和经济参与做出贡献。
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引用次数: 0
Programa de liderazgo transformacional y su impacto en la cultura organizacional: caso Municipalidad Provincial de Huaura (Perú) 变革型领导计划及其对组织文化的影响:以华乌拉省为例(秘鲁)
Pub Date : 2023-01-01 DOI: 10.14349/sumneg/2023.v14.n31.a1
Jesús Jacobo Coronado Espinoza
Introduction/Objective: A transformational leader means originating and stimulating positive change in their followers. These leaders are not only involved and focused on the progress of each follower, but also on building a flexible organizational culture. The study sought to determine how the application of a transformational leadership program improves the organizational culture of the Provincial Municipality of Huaura, Peru. Methodology: Quantitative study, experimental design with pretest-posttest and control group, and explanatory scope. Data were collected through a pre- and post-test. The sample was random and included 60 workers of this entity, who were distributed in two groups of 30 elements each and were administered a 20-question questionnaire. Results: According to the Mann-Whitney U statistic, it was found that in the pretest the perception of organizational culture obtained a value of 0.216 higher than the theoretical Sig. (α = 0.05); however, after administering the program, in the posttest, the perception of the entity’s culture was 0.000 lower than the theoretical Sig. Conclusions: It was confirmed that the administration of a transformational leadership program significantly improved the organizational culture in the institution under study, since it contributed to the employees’ commitment to their work and the institution, to the sharing of new values and the assumption of better policies to face changing environments, as well as to innovate and accept risks, and to orient themselves as a team towards results.
引言/目标:变革型领导者意味着在其下属中发起并激发积极的变化。这些领导者不仅参与并关注每个下属的进步,而且还注重建立灵活的组织文化。本研究旨在确定转型型领导方案的应用如何改善秘鲁华乌拉省的组织文化。方法学:定量研究,前测后测和对照组实验设计,解释范围。通过前后测试收集数据。样本是随机的,包括该实体的60名工人,他们被分为两组,每组30人,并进行了20个问题的问卷调查。结果:根据Mann-Whitney U统计,在前测中,组织文化感知获得的值比理论Sig值高0.216 (α = 0.05);然而,在实施该计划后,在后测中,对实体文化的感知比理论Sig低0.000。研究证实,变革型领导项目的管理显著改善了所研究机构的组织文化,因为它有助于员工对他们的工作和机构的承诺,分享新的价值观和假设更好的政策来面对不断变化的环境,以及创新和接受风险,并将自己定位为一个以结果为导向的团队。
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引用次数: 0
Innovación en tiempos de incertidumbre: visión y direccionalidad en sistemas de innovación 不确定时期的创新:创新系统的愿景和方向性
IF 0.3 Pub Date : 2023-01-01 DOI: 10.14349/sumneg/2023.v14.n30.a8
Óscar Burbano-Figueroa
Introduction: In contemporary society, there is a growing expectation for STI efforts to go beyond economic growth and actively contribute to environmental protection and social justice (transformation towards sustainability). To meet this demand, it is necessary to construct innovation systems that are specifically oriented towards sustainability, facilitating the transformation of sociotechnical systems. This perspective article presents a comprehensive framework that combines theoretical and practical perspectives for implementing innovation systems, incorporating the essential elements of normativity (directionality) and exploration required to drive such transformative processes. Methodology: We formulated a methodological approach that provides innovation systems with normative and exploratory dimensions by synthesizing concepts and methods from several schools of thought, using Systems Analysis and Decision Analysis as conceptual frameworks. Results: Within the context of sustainable development, the principles of sustainability serve as the guiding framework for innovation systems. To successfully implement this approach, it is crucial to integrate both normative analysis, which emphasizes the construction of a shared vision among stakeholders within the innovation system, and exploratory analysis, which aims to identify the most viable transformation pathways for realizing the desired future. Our proposed methodological perspective, referred to as Integrated Futures Analysis, is a step-by-step generalization built upon a synthesis of empirical approaches that combines normative and exploratory analysis. This approach aims to facilitate the understanding and implementation of sustainability-oriented innovation systems. Conclusion: In this article, a synthetic and pragmatic approach to implementing sustainability-oriented innovation systems (SIS) was introduced. The perspective outlined in this article can be effectively employed by consultant teams to aid stakeholders and decision-makers in formalizing and enhancing SIS. Additionally, it helps in identifying the most appropriate actions and methods for implementation of SIS.
引言:在当代社会,人们越来越期望科技创新努力超越经济增长,积极促进环境保护和社会正义(向可持续性转型)。为了满足这一需求,有必要构建专门面向可持续性的创新系统,促进社会技术系统的转型。这篇观点文章提出了一个综合框架,结合了实施创新系统的理论和实践观点,结合了驱动这种变革过程所需的规范性(方向性)和探索的基本要素。方法:我们制定了一种方法方法,通过综合来自几个思想流派的概念和方法,使用系统分析和决策分析作为概念框架,为创新系统提供规范性和探索性的维度。结果:在可持续发展的背景下,可持续性原则是创新系统的指导框架。为了成功地实施这一方法,将规范性分析和探索性分析结合起来至关重要,规范性分析强调在创新系统中构建利益相关者之间的共同愿景,探索性分析旨在确定实现理想未来的最可行转型途径。我们提出的方法论观点,被称为综合期货分析,是建立在综合经验方法的基础上的一步一步的概括,结合了规范性和探索性分析。这种方法的目的是促进可持续发展导向的创新系统的理解和实施。结论:本文介绍了一种综合实用的方法来实施可持续导向的创新系统(SIS)。顾问团队可以有效地利用本文概述的观点来帮助利益相关者和决策者正式确定和加强SIS。此外,它还有助于确定实施SIS的最适当的行动和方法。
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引用次数: 0
The effect of relationship banking on SMEs’ credit access conditions: Empirical evidence from Brazil 关系银行对中小企业信贷获取条件的影响:来自巴西的经验证据
IF 0.3 Pub Date : 2023-01-01 DOI: 10.14349/sumneg/2023.v14.n30.a6
Guilherme Bannwart Elias, Fabiano Guasti Lima, Rafael Confetti Gatsios, Vinícius Medeiros Magnani
Objectives: Small-sized financial institutions stand out in serving SMEs due to their comparative advantages in the use of relationship-based credit. This study explores the impact of the relationship between a small financial institution and SMEs on credit access conditions. Methodology: The research employs the ordinary least square multiple regression method (OLS) on a dataset comprising 194 loan agreements from a small financial institution, which were contracted by 43 SMEs. The dataset includes financial information and records regarding the relationship strength with the creditor from 2015 to 2019. Results: The parameters of the OLS models that measured the association between the cost of credit, credit line available and average maturity with the bank relationship profile showed statistically significant results. Conclusions: The findings suggest that the duration of the banking relationship and the number of services contracted do not significantly affect the cost of credit. However, a noteworthy association is observed between credit concentration within the small-sized bank and higher costs for clients. Additionally, the length of the banking relationship directly influences the credit line available to SMEs. Interestingly, the impact of guarantees offered on credit conditions does not justify long credit transactions. Furthermore, an inverse relationship emerges between the credit rating of SMEs and the credit term.
目标:小型金融机构因其在使用关系型信贷方面的比较优势而在为中小企业服务方面脱颖而出。本研究探讨小型金融机构与中小企业之间的关系对信贷获取条件的影响。研究方法:采用普通最小二乘多元回归方法(OLS)对43家中小企业签订的194份小型金融机构贷款协议数据集进行分析。该数据集包括2015年至2019年与债权人关系强度的财务信息和记录。结果:衡量信贷成本、可用信贷额度和平均到期日与银行关系概况之间关系的OLS模型的参数显示了统计学上显著的结果。结论:研究结果表明,银行关系的持续时间和合同服务的数量对信贷成本没有显著影响。然而,在小型银行的信贷集中度和客户的高成本之间观察到一个值得注意的关联。此外,银行关系的长短直接影响中小企业可获得的信贷额度。有趣的是,提供担保对信贷条件的影响并不能证明长期信贷交易是合理的。此外,中小企业的信用等级与信用期限呈反比关系。
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引用次数: 0
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Suma de Negocios
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