Contabilidad y Auditoría

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2015 - 20162

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Subject: search.filters.subject.NIVELES DE RENTABILIDAD

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    Los créditos hipotecarios y su incidencia en los niveles de rentabilidad en la banca privada
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Dirección de Posgrado, 2015-08) Avellán Herrera, Nilda Alexandra; DT - Viteri Medina, José Luis
    Private Banks in Ecuador registered a decrease on mortgages between 2012 and 2013 due to a new competitor onto the financial market such as the case of the Ecuadorian social security institute bank, state regulations as well as the fact that banks collect short term deposits, limiting its placement into a long term. The financial sector is one of the most important players during the development of national economy; throughout mortgages, banks provide a solution to the lack of housing, encouraging the building sector and at the same time, and reinforcing other sectors of the economy. The Market research was performed within the families of Latacunga, which enabled to determine the factors that prevail at the time when they choose a bank to apply for a mortgage. The findings show that the main factors that were given top priority are the confidence about the bank, competitive interest rate, quick credit approval and the term of the credit granted. This research also shows a situational analysis of the banks mortgages in Latacunga against external and internal factors that affects its development and profitability. As part of this investigation, the main features of the mortgages that private banks offer in Latacunga are analyzed such as the loan amount, interest rate, term and general requirements. By determining the share of private bank´s mortgages in Latacunga against its competitors, it is established that it have been affected and a business strategy design was presented which could be adapted to any private financial institution, aiming to increase the number of operations within this lending sector, furthermore, it accomplished legal requirements that are established form private bank´s mortgages.
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    Insuficiente inversión en la infraestructura y la incidencia en los niveles de rentabilidad accionaria de clínica Ambato en la ciudad de Ambato, en el año 2014.
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Carrera de Contabilidad y Auditoría., 2016-01) Ruiz Quispe, Jazmina Tatiana; DT - Izquierdo, Daniel
    The final research report has as its theme: "INSUFFICIENT INVESTMENT IN INFRASTRUCTURE AND IMPACT ON SHARE PERFORMANCE LEVELS OF CLINICAL Ambato Ambato, in 2014" This work was performed in order to investigate whether Ambato Clinic has sufficient investment in infrastructure and if the levels of profitability allow reinvest equity without having to ask the partners to recapitalize. It is trying to design a model of investment in infrastructure, assessing business needs to improve profitability and thus to increase its infrastructure to determine the outcome of the investigation techniques and research tools that allowed us to obtain qualitative and quantitative data reliable applied to through the survey, interview and consultation of employees and shareholders was found reliable data. The project involves applying a suitable mixed methodology to achieve a good relationship practice theoretically, trying to achieve qualitative and quantitative results after self diagnose the problem was proposed to invest in infrastructure through mortgage which will allow clinic without reinvesting shareholders recapitalize and only become joint debtors approving reinvestment. Keywords: