Especialización en Gerencia Financiera

Permanent URI for this collectionhttps://repositorio.uniagustiniana.edu.co/handle/123456789/3036

Browse

Browsing Especialización en Gerencia Financiera by Author "Beltrán-Castillo, Nicolás"

Filter results by typing the first few letters
Now showing 1 - 1 of 1
  • No Thumbnail Available
    Item
    Impacto de las Garantías en la Sostenibilidad Financiera y Social de la Empresa Kuikash
    Beltrán-Castillo, Nicolás; Franco, José David; Gómez-Moya, Néstor; Moreno-Pinzón, Luis Fernando
    This study examines the use of the dematerialized electronic promissory note as a financial risk-mitigation tool within Kuikash and its influence on the company’s overall sustainability. Using a mixed methodological approach, the research integrates legal, operational, and financial analyses, including key indicators, vertical and horizontal evaluations, and linear projections. Findings show that while the electronic promissory note strengthens portfolio recovery, reduces expected loss, and enhances financial inclusion, its effectiveness is limited by the company’s high level of indebtedness and dependence on funding provided by IPS Audiocom. The study proposes strategic recommendations such as incorporating the National Guarantee Fund (FNG), adjusting the minimum credit score requirement, and diversifying funding sources to improve Kuikash financial and operational sustainability. The results indicate that the digital guarantee is an effective mechanism, but its full impact depends on complementary risk policies and a more balanced financial structure.