las entidades financieras (prestamos) y su influencia en el crecimiento comercial (negocios) en...

7/23/2019 Las entidades financieras (prestamos) y su influencia en el crecimiento comercial (negocios) en Huaraz

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On Fucogrh Bo Ogrmbfboq Emgfgamo|fq ] Qu Mgenuogamf Og On A|oamcmogrh

Ahco|amfn Bon Bmqr|mrh T|hmgamfn Bo @uf|f{. Lf||mh Bo @uf|utfctf. @uf|f{


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3/38

goaoqf|mh ug r|flfkh bo afcth ahg bfrhq |ofnoq } ftnmafamhgoq fn afcth

gorfcogro oahgcmah. tf|f bf| eo bo nf ao|ro{f } auctnmcmogrh (ahg ug

cf|jog o o||h|- bo nfq roh|fq } chbonhq oqrfbqrmahq'

Qojugbh9 og nhq nrmchq fhq } cfq oqtoaemafcogro og on to|mhbh bo nf

mgoqrmjfamg9 rfgrh ogrmbfboq emgfgamo|fq ahch oqrflnoamcmogrhq

ahco|amfnoq `fg fucogrfbh bo cfgo|f opthgogamfn. guoqr|f mgoqrmjfamg

bmqao|gm| bo cfgo|f amogremaf. qm on fucogrh bo nhq oqrflnoamcmogrhq

ahco|amfnoq |oqthgbo fn mga|ocogrh bo nfq ogrmbfboq emgfgamo|fq

hrh|jfbh|fq bo |oau|qhq goaoqf|mhq tf|f on eugamhgfcmogrh bo nhq gojhamhq

au}hq |oqunrfbhq qo|m|g tf|f boro|cmgf| qm on gojhamh bon oqtfamh bo

oqrubmh r|flfkf ahg aftmrfn t|htmh h ahg aftmrfn t|oqfbh'

1'< UMFLMNMBFB BO NF MGUOQRMJFAMHG

F toqf| bo ahgrf| ahg rmocth nmcmrfbh } oqafqh bolmbh f vuo nhq fnucghq

rogochq vuo auctnm| fn mjufn vuo ahg oqrf ahg hr|fq hlnmjfamhgoq

ugmo|qmrf|mfq } oqrubmfgrmnoq9 qo auogrf ahg nhq |oau|qhq } fth}h ragmah }

ro|mah vuo `faog thqmlno nf mflmnmbfb bo r|flfkh bo mgoqrmjfamg'

AFTMR_NH MM

2' CF\AH ROH\MAH

Rhbf oct|oqf |ovumo|o bo |oau|qhq emgfgamo|hq tf|f boqf||hnnf| quq

farmmbfboq ahco|amfnoq. qof tf|f fbvum|m| farmhq emkhq h tf|f bmqthgo| bo

aftmrfn bo r|flfkh vuo to|cmrf cfgmhl|f| nhq farmhq ahg nf emgfnmbfb bo

cfguefaru|f| lmogoq h t|oqrf| qo|mamhq f quq anmogroq' Nhq |oau|qhq emgfgamo|hq

ahgqrmru}og on aftmrfn bo nf oct|oqf. on aufn tuobo qo| bo t|htmobfb bo nhq

faamhgmqrfq h bo ro|ao|hq' On aftmrfn bo nhq faamhgmqrfq ahgqrmru}o on aftmrfn

t|htmh bo nf oct|oqf. on aufn oqr eh|cfbh th| on fth|ro mgmamfn } nfq urmnmbfboq

vuo |oth|rf on gojhamh' On aftmrfn bo ro|ao|hq qhg nfq boubfq fth|rfbfq th| nhq


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fa|oobh|oq. nhq aufnoq lqmafcogro qhg t|hoobh|oq bo nf oct|oqf h

ogrmbfboq emgfgamo|fq vuo hrh|jfg a|bmrhq'

Og gojhamhq tovuohq oq uqufn vuo on emgfgamfcmogrh bo nfq farmmbfboq

t|hmogo bon fth|ro t|htmh bo nhq faamhgmqrfq h qhamhq bo nf oct|oqf' Ahgeh|co

on gojhamh a|oao. oq boqoflno } thqmlno hlrogo| emgfgamfcmogrh bo ro|ao|hq' Og

gojhamhq cobmfghq } j|fgboq. on emgfgamfcmogrh bo ro|ao|hq. t|mgamtfncogro bo

nfq ogrmbfboq emgfgamo|fq. oq uqufn'

Og oqrf hth|rugmbfb ghq bobmaf|ochq fn emgfgamfcmogrh vuo hrh|jfg nfq

ogrmbfboq bon qmqrocf emgfgamo|h. og tf|rmaunf| nhq lfgahq9 rfclmg `f|ochq

|oeo|ogamf f nf aftrfamg bo botqmrhq. oq boam| on t|haoqh bo mgro|cobmfamg

emgfgamo|f'

On ogehvuo vuo t|oqogrfchq oq boqbo on tugrh bo mqrf bo ugf oct|oqf

mgro|oqfbf og hlrogo| a|bmrhq lfgaf|mhq og nfq cokh|oq ahgbmamhgoq. fq ahch.

bo qo| on afqh. hlrogo| |ogbmcmogrhq fr|farmhq tf|f quq opaobogroq bo

nmvumbo{'

2'6 ON QMQROCF EMGFGAMO\H

Nf No} G


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ogrmbfboq oqrfrfnoq rmogog ugf cgmcf tf|rmamtfamg } qo bobmafg f

farmmbfboq oqtoamfnm{fbfq'

Nfq oct|oqfq bo F||ogbfcmogrh Emgfgamo|h. nnfcfbfq rfclmg oct|oqfq

bo Nofqmgj. lqmafcogro |ofnm{fg hto|famhgoq emgfgamo|fq |onfamhgfbfq f

oqrf oqtoamfnmbfb' Nfq oct|oqfq Emgfgamo|fq. boghcmgfbfq Emgfgamo|fq.

tuobog |ofnm{f| hto|famhgoq bo Nofqmgj } rhbf hr|f farmmbfb emgfgamo|f bo

cobmfgh } nf|jh tnf{h' Nf lfgaf Cnrmtno. ahgqrmrumbf th| nhq lfgahq. og

jogo|fn. |ofnm{f rhbh rmth bo gojhamh emgfgamo|h. qof bo ah|rh. cobmfgh h

nf|jh tnf{h'

On gojhamh lfgaf|mh r|fbmamhgfn ahgqmqro og aftrf| ehgbhq. nhq aufnoq

ahgkugrfcogro ahg on aftmrfn t|htmh bon lfgah qhg afgfnm{fbhq h ahnhafbhq

f quq anmogroq9 oq ug gojhamh bo mgro|cobmfamg emgfgamo|f bo ogrmbfboq h

to|qhgfq quto|fmrf|mfq bo aftmrfn f ogrmbfboq h to|qhgfq boemamrf|mfq bo

aftmrfn' On gojhamh farufn oq cu} fctnmh. nf ahgaotamg bon lfgah oq l|mgbf|

ug qo|mamh mgroj|fn fn anmogro. ahg emgfgamfcmogrhq bo ah|rh. cobmfgh } nf|jh

tnf{h. tf|f okoaurf| mgo|qmhgoq }h frogbo| |ovuo|mcmogrhq bo aftmrfn bo

r|flfkh. fq ahch hrh|jf| qo|mamhq ahnfro|fnoq bo emfg{fq. af|rfq bo a|bmrh

bo mcth|rfamg. ahl|fg{fq. tfjhq bo tnfgmnnfq. bo mctuoqrhq. f

t|hoobh|oq. ogr|o hr|hq'

2'< ANFQMEMAFAMHG BO NFQ OGRMBFBOQ EMGFGAMO\FQ

Nfq ogrmbfboq emgfgamo|fq. f r|fq bo nf Quto|mgrogbogamf bo Lfgaf }

Qoju|hq (QLQ-. oqrg qukorfq f ug qojumcmogrh cmguamhqh } to|cfgogro.

ogr|o hr|fq qhl|o nf afnmbfb bo nf af|ro|f bo ahnhafamhgoq. nf aufn f qu o{

mgenu}o og nf qoju|mbfb bo nhq bothqmrfgroq' Oq bo oqto|f| vuo nfq ogrmbfboq

vuo qhg anfqmemafbfq ahg ug gmon bo |moqjh lfkh. |ocugo|og th| nhq

botqmrhq rfqfq bo mgro|q cq lfkfq. nf vuo rfclmg qo |oenokf| og nfq

rfqfq bo mgro|q bo nfq ahnhafamhgoq'


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7/38

?' @MTHROQMQ ] HTO\FAMHGFNM[FAMG BO UF\MFLNOQ

?'6 @MTHROQMQ

Bo ug rmocth fa nfq ogrmbfboq emgfgamo|fq mogog ahgqrmru}ogbh ug efarh|

mct|oqamgbmlno og nfq r|fgqfaamhgoq oahgcmafq. bo fnn vuo tf|f mgmamf| ugffarmmbfb ahco|amfn#fno boam|# ug gojhamh. qo rhcf ahch t|mgamtfn euogro

emgfgamfbh|f bo aftmrfn f bma`fq mgqrmruamhgoq. ogrhgaoq qo `f bo quthgo|

`mthrrmaf } oct|mafcogro vuo on fucogrh quqrfgrmh bo nfq ogrmbfboq

emgfgamo|fq rmogo ug oeoarh boro|cmgfgro qhl|o on mga|ocogrh h a|oamcmogrh

ahco|amfn. oq boam|. bolmbh fn a|oamcmogrh h mgqrfu|famg bo cf}h| ogrmbfboq

emgfgamo|fq. og on |of bo oqrubmh. vuo hrh|jfg a|bmrhq. qo `fg fto|ru|fbh bo

cfgo|f a|oamogro oqrflnoamcmogrhq ahco|amfnoq'

Oq fq ogrhgaoq vuo qo tnfgrof nf qmjumogro `mtroqmq; bolmbh fn a|oamcmogrh h

fucogrh bo nfq ogrmbfboq emgfgamo|fq vuo nflh|fg og nf nhafnmbfb bo @uf|f{. qo

`fg fto|ru|fbh cf}h| afgrmbfb bo oqrflnoamcmogrhq ahco|amfnoq (a|oamcmogrh

ahco|amfn- og on |of } to|mhbh bo oqrubmh boro|cmgfbh og nf mgoqrmjfamg'

?'< HTO\FAMHGFNM[FAMHG BO NFQ UF\MFLNOQ

Nfq f|mflnoq bo oqrubmh th| qu cfgokh } ah||onfamg qo anfqmemafg og;

Uf|mflno botogbmogro;

A|oamcmogrh ahco|amfn (Ac-

Uf|mflno mgbotogbmogro;

Fucogrh bo ogrmbfboq emgfgamo|fq (Oe'-

Ogrhgaoq nf |onfamg eugamhgfn vuobf bfbf th|;

(- (- (- Bhgbo;


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THLNFAMHG; G3:0=

OQRFLNOAMCMOGRHQ

AHCO\AMFNOQ BO

@_F\_TFCTFC_OQR\F; g 3 0?

5' CORHBHNHJF

J\FEMAH 46; T\HAOQH BO C_OQR\OH

5'6 RMTH BO MGUOQRMJFAMHG;

Bo fauo|bh f qu h|mogrfamg'

On t|oqogro r|flfkh bo mgoqrmjfamg th| on emg vuo qo nhj|f qojum| oq

ftnmafbh'

Bo fauo|bh f qu ahgr|fqrfamg' On t|oqogro t|h}oarh |ofnm{fbh oq

ah||onfamhgfn'

On bmqoh bo nf mgoqrmjfamg oq opto|mcogrfn

5'< THLNFAMHG H _GMUO\QH

Nf thlnfamg oqrf| ahgeh|cfbf th| on rhrfn bo oqrflnoamcmogrhqahco|amfnoq ulmafbhq og on lf||mh bo @uf|utfctf og on fh } coq

t|oqogro'

Bo fauo|bh ahg bfrhq hlrogmbhq og nfq hemamgfq bo \ojmqr|hq r|mlurf|mhq }

Oqrflnoamcmogrhq Ahco|amfnoq9 on rhrfn bo aogr|hq ahco|amfnoq opmqrogroq og

QONOAAMG BO C_OQR\F

C_OQR\F \OT\OQOGRFRMUF


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on lf||mh bo @uf|utfctf oq bo :0= oqrflnoamcmogrhq |ojmqr|fbhq

eh|cfncogro'

5'1 _GMBFB BO FGFNMQMQ ] C_OQR\F

On cobmh uqfbh ahch faaoqh tf|f nnojf| f nf thlnfamg cobmfgro nf cuoqr|foq ugf ogauoqrf fggmcf. vuo qo| rhcfbf bo cfgo|f to|qhgfn }

t|oqogamfn th| nhq mgoqrmjfbh|oq'

Nf ugmbfb bo cuoqr|f oq ug oqrflnoamcmogrh ahco|amfn h aogr|h ahco|amfn

ulmafbh bogr|h bon |of bo oqrubmh. } nf cuoqr|f qo| ogrhgaoq on ahgkugrh

bo oqrflnoamcmogrhq ahco|amfnoq qonoaamhgfbhq cobmfgro on t|haoqh bo

cuoqr|oh'

5'2 CORHBH BO C_OQR\OH

On crhbh bo cuoqr|oh uqfbh qo| fnofrh|mh h t|hlflmnqrmah th| nfq

ogrfkfq vuo hlrmogo } th| nhq ahghamcmogrhq amogremahq vuo |ovuo|mchq

ftnmaf|9 oqro cuoqr|oh qo `f| bo cfgo|f qmctno bo ugh th| ugh qmg

|othqmamg ogrhgaoq nf t|hlflmnmbfb bo afbf onocogrh qof onojmbh qo| bo;

(- tf|f on t|mco|h. ( - tf|f on qojugbh } fq quaoqmfcogro'

5'? RFCFH BO NF C_OQR\F

Qo uqf| nf eh|cunf t|oqogrfbf th| on rurh| bon au|qh;

( -

Rogochq nhq qmjumogroq bfrhq;

. oqrflnoamcmogrhq ahco|amfnoq

. cf|jog bo o||h| bo nf t|hth|amg bo oqrflnoamcmogrhq guohq ahg

a|bmrhq emgfgamo|hq'

. qo ftnmaf oqo th|aogrfko th| vuo gh ahghaochq nf t|hth|amg h|mjmgfn'


10/38

. t|hth|amg bo oqrflnoamcmogrhq vuo gh uqfg a|bmrhq emgfgamo|hq'

. fnh| a|rmah ah||oqthgbmogro fn =?/ bo gmon bo ahgemfg{f boqofbh'

Ogrhgaoq on anaunh bo nf cuoqr|f |ovuo|mbf qo|;

(-(-(-

(- (-(-

5'5 MGQR\_COGRHQ BO \OAHNOAAMHG BO BFRHQ

OGA_OQRF; nhq bfrhq |ovuo|mbhq tf|f on fgnmqmq o mgeo|ogamf og nf

thlnfamg mgoqrmjfbf euo|hg |oahnoarfbhq cobmfgro ug roqr bo t|ojugrfq

(ogauoqrf-. vuo euo onflh|fbf bo fah|bo f nhq hlkormhq vuo luqafchqfnafg{f| } og eugamg f nhq mgbmafbh|oq bo bma`hq hlkormhq' Nf ogauoqrf

oqrf qulbmmbmbf og r|oq tf|ro;

Og nf t|mco|f tf|ro qo `fao nf mgr|hbuaamg. vuo flf|af on qfnubh. hlkormh o

mgqr|uaamhgoq9 nf qojugbf tf|ro oqr ahgqrmrumbf th| t|ojugrfq fao|af bo nhq

bfrhq jogo|fnoq9 cmogr|fq vuo nf ro|ao|f } nrmcf tf|ro ogjnhlf auoqrmhgoq

a|obmrmamfq' Rhbfq nfq t|ojugrfq euo|hg uqfbfq tf|f cobm| f ugf bo nfq

f|mflnoq vuo qhg h|bmgfnoq. aufgrmrfrmfq } og qu cf}h|f ghcmgfnoq. qmg

oclf|jh. rfclmg qo mganu}h ugf t|ojugrf bo htmgmg vuo uqf|ochq tf|f

boro|cmgf| vu htmgmg } ahgqmbo|famg rmogog nfq to|qhgfq ogauoqrfbfq

fao|af bo qm ahgmogo h gh r|flfkf| ahg a|bmrhq'

Th| nrmch qo fgopf nf ogauoqrf ahch tf|ro bo nf mgoqrmjfamg og on

aftrunh vuo no ah||oqthgbo'

5': FGNMQMQ OQRFBQRMAH O MGRO\T\ORFAMG BO NF MGEH\CFAMG

Tf|f on fgnmqmq o mgro|t|orfamg bo nhq bfrhq |oahnoarfbhq qo `f `oa`h uqh

nfq roh|fq oqrfbqrmafq hlrogmbfq og on au|qh } on t|heoqh| f af|jh. tf|f nhq


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12/38


13/38

J\FEMAH 41; E\OA_OGAMFQ BON \_L\H

Bon rhrf bo oqrflnoamcmogrhq ahco|amfnoq ogauoqrfbhq qo hlqo|f vuo 65

ogbog flf||hroq oqrh oq ug 6=/ bon rhrfn. nuojh. nhq t|hbuarhq vuo cfq

qo he|oaog qhg nhq bo Lf{f| h ogrf bo |htf ahg 61 oqrflnoamcmogrhq } ug

6?/ |onfrmfcogro. nuojh qo rmogog hr|hq |ul|hq coghq qmjgmemafrmhq' Qm qo

qflo vuo tf|f mctnocogrf| ugf bo oqrhq bhq |ul|hq qo goaoqmrf ug aftmrfn

jhnhqmgfq ? ?.= 5?.=

cunrmqo|mamhq ? ?.= :6.0

hr|hq 2 2.: :5.?

tonuvuo|f ? ?.= 0


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|onfrmfcogro qmjgmemafgro th| vuo fq nh |ovumo|o9 rogb| fnjh vuo o| on

|ul|h ahg nf qhnmamrub bo ug t|qrfch } on chgrh8 Nh fo|mjuf|ochq f

boqtuq'

RMOCTH BO E_GAMHGFCMOGRH BON GOJHAMH

Oqro mgbmafbh| oqrf |oeo|mbh f nf fgrmjobfb h fhq og vuo on gojhamh euo

ahgqrmrumbh `fqrf nf farufnmbfb. oq rfclmg tf|ro bo nf f|mflno

mgbotogbmogro. } ghq f}ubf|f tf|f boro|cmgf| guoqr|h hlkormh t|mgamtfn'

Bon rhrfn bo nf cuoqr|f qo hlruh vuo;

A_FB\H 42; RFLNF BO E\OA_OGAMFQ BON RMOCTH OG FHQ

Pm 3 Fhq E|oauogamf Th|aogrfkoTh|aogrfkofaucunfbh

4 f 6 6? 6:.5? 6:.5?

6 f 1


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16/38

A_FB\H 45; RFLNF BOQA\MTRMUF O MGEO\OGAMFN QHL\O BFRHQ

A\OBMRMAMHQ

A|bmrh T|hth|amg Boq' Rt' Mgr' mgeo|mh| Mgr' quto|mh|

Qm 4':6:5 4'42= 4'5


17/38


18/38

J\FEMAH 45; OGRMBFB HRH\JFBH\F BO A\OBMRH

\F[HG BO ONOAAMHG BO NF OGRMBFB EMGFGAMO\F

Ahch bmkmchq. bo `flo| qhnmamrfbh a|bmrh. fnjgh qo| on chrmh vuo nnoh f

t|oeo|m| f ugf ogrmbfb qhl|o hr|f }f qof nf rf{f. logoemamhq. ora' Oq oqh

t|oamqfcogro nh vuo fo|mjuf|ochq f`h|f bo fauo|bh f nhq bfrhq

hlrogmbhq qo ogahgr| vuo;

A_FB\H 40; E\OA_OGAMFQ QHL\O ON CHRMUH BO ONOAAMHG BO NF

OGRMBFB EMGFGAMO\F

Pm 3 T|oeo|ogamf E|oauogamf Th|aogrfko Th|aogrfkofaucunfbh

rfqf 62


19/38

Og nh vuo f oqro |ul|h ahctoro. `f} amo|rf ugmeh|cmbfb og nfq |f{hgoq bo

t|oeo|ogamf. qmg oclf|jh. nfq vuo qhl|oqfnog qhl|o nfq bocq qhg nf rfqf

bo mgro|q } nhq logoemamhq vuo l|mgbfg nf ogrmbfb vuo no hrh|jh on a|bmrh

J\FEMAH 4:; \F[HG TH\ NF V_O OQAHJMH NF OGRMBFB

CHGRH RHRFN FBV_M\MBH

J|famfq f oqrhq bfrhq nnojf|ochq f guoqr|h hlkormh bo aufgrh oq on chgrh

t|hcobmh og qhnoq qhnmamrfbh th| nhq ahco|amfgroq. og afqh nh `f}fg

|ovuo|mbh. th| chrmhq bo omrf| on qoqjh qo boambm qotf|f| og bhq j|uthq

f nhq ahco|amfgroq vuo auogrfg ahg a|bmrh; th| ug nfbh oqrg nhq vuo qo

ulmafg og nf t|mco|f afrojh|f. vuo qhg nhq vuo auogrfg ahg t|oqrfchq

|onfrmfcogro lfkhq og on |fgjh bo 6444 f coghq bo 64444 guohq qhnoq9

th| hr|h nfbh oqrg nhq bo qojugbf afrojh|f vuo fbvum|mo|hg t|oqrfchq

cf}h|oq og on |fgjh bo 64.444 f cq guohq qhnoq'


20/38


21/38


22/38


23/38


24/38


25/38

On 2?'00 / (1=- bon rhrfn bo nf cuoqr|f qhg nhafnoq vuo qojum|fg femnmfbhq f nfq

|oqtoarmfq emgfgamo|fq. }f qof th| nf rfqf bo mgro|q. tnf{hq. logoemamhq u hr|hq

mgbmafbh|oq vuo qhg he|oambfq th| oqrfq'

On qmjumogro J|femah ghq bf f ahghao| aufgrhq nhafnoq t|htmhq h fnvumnfbhq oqrg

mgro|oqfbhq og qojum| femnmfbhq. aufgrhq gh nh oqrg } aufgrhq qhg mgbmeo|ogroq f onnh'

J\FEMAH 66; \OQ_NRFBHQ BO NHQ FEMNMFBHQ F NFQ EMGFGAMO\FQ

t|htmh

fnvumnfbh

nhafn

Nhq qoarh|oq cuoqr|fg e|oauogamfq

mgbmeo|ogro

qm

gh


26/38


27/38


28/38

T\_OLFQ A@M A_FB\FBH BO AHGRMGJOGAMF NHAFN ] RMOCTH

A_FB\H 65; RFLNF BO AHGRMGJOGAMF TF\F ON NHAFN ] RMOCTH

Nhafn

RMOCTH OG FHQ

coghq bo 6 6 f 1 1 f ? ? f cfq Rhrfn

T|htmh 2 (5.2- 0 (=.1- 0 (5.2- 65 (62- 15

fnvumnfbh 66 (0.5- 62 (6


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30/38

J\FEMAH 62; E\OA_OGAMFQ BON\_L\H ] A\OBMRH

Th| nrmch. ahch nhq bfrhq cuoqr|fg. fn |ul|h vuo fg boqrmgfbhq og cf}h|

afgrmbfb nhq a|bmrhq qhg f nhq ahco|amfgroq bobmafbhq f nf ahco|amfnm{famg

bo flf||hroq ahg ug


31/38

Oqrfbqrmah Ufnh|

A`m#aufb|fbh ?.0j'b'n 1

\ojmg A|rmaf :.06

Ahoemamogro bo

Ahgrmgjogamf 4.


32/38

5'=' FGFNMQMQ BO UF\MFG[F

A_FB\H 6= ; OGRMBFBOQ EMGFGAMO\FQ OG NF FAR_FNMBFB

Og on fh


33/38

FGHUF

CHGRH

Q_CF BO

A_FB\FBHQ

JN COBMF

A_FB\RMAF

E QMJ'

Mgro|#j|uthq 66156?::.


34/38

AHCTF\FAMHGOQ CNRMTNOQ

UF\MFLNO BOTOGBMOGRO; CHGRH

@QB BO R_IO]

(M-OGRMBFB

(K- OGRMBFB

BMEO\OGAMF BOCOBMFQ

(M#K-

O\\H\RTMAH

QMJ'MGRO\UFNH BO

AHGEMFG[F FN =?/

NCMROMGEO\MH\

N CMROQ_TO\MH

\

NCMROMGEO\MH\

N CMROQ_TO\MH

\

NCMROMGEO\MH\

OBMEMAF\ CM LFGAH #66:2.215 :11.54? .10= #1611.65 :02.


35/38

Q_LAHGK_GRHQ @HCHJOGOHQ

CHGRH

@QB BO R_IO]

OGRMBFB G Qulahgkugrh tf|f fnef 3 '4?6 6

HR\HQ 66 1551.52OBMEMAF\ 6= 2450.2

las entidades financieras (prestamos) y su influencia en el crecimiento comercial (negocios) en...

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