Análisis del uso del crédito: implicaciones para el desarrollo rural

La falta de garantías al solicitar un crédito, la poca información donde recurrir a solicitarlo y las diferentes formas de exclusión a los servicios financieros, coloca a las personas que pertenecen al sector rural como los más vulnerables para acceder a estos servicios. A nivel internacional se han generado diversos modelos que permiten el acercamiento de financiamiento al sector. El objetivo de la presente investigación es entender cuáles son los principales problemas que enfrentan los productores al solicitar un crédito, averiguar si ven al crédito como una fuente de financiamiento y realizar recomendaciones que permitan ayudar a mejorar dicha situación. En el municipio de Salinas, San Luis Potosí, México, es una zona con características que pueden facilitar la generación de proyectos productivos, si se contara con un esquema de financiamiento. Durante el 2008, se aplicaron 186 encuestas y se analizaron estadísticas nacionales. Los resultados mostraron que no hay cultura financiera, los productores no tienen información necesaria, de quién ofrece los créditos o dónde invertir sus recursos; a la banca comercial no le interesa el impacto de desarrollo que puedan tener sus créditos; el crédito de avío es el más solicitado. Las conclusiones señalan que la situación actual en el municipio respecto al crédito, es la misma que en cualquier nivel, por tanto es importante articular modelos de financiamiento, que consideren al crédito como motor para el desarrollo, permitiendo así la generación de oportunidades de empleo y autoempleo.

Lagrangian structure on the oil

The understanding of the circulation of ocean currents, the exchange of CO2 between atmosphere and oceans, and the influence of the oceans on the distribution of heat and momentum on a global scale is key to our ability to predict and assess the future evolution of climate.

Defensio fidei in causa neophytorum siue Morischorum Regni Valentiae, totiusq. Hispaniae

Hay estados de esta ed., en port. consta "... ordinis praedicatorem..."

[Altar de los Padres de la Casa Profesa] [Material gráfico]

Resumen: Descripción: en el primer cuerpo del altar: San Ignacio de Loyola, San Luis Gonzaga y San Estanislao. Rematando: anagrama del nombre de Jesús y escudo de la ciudad de Valencia

[Altar valenciano] [Material gráfico]

Resumen: Descripción: altar con San Vicente Ferrer, San Luis Bertran y Santo Domingo de Guzman

A conceptual map about alternating current circuits

Teachers are deeply concerned on how to be more effective in our task of teaching. We must organize the contents of our specific area providing them with a logical configuration, for which we must know the mental structure of the students that we have in the classroom. We must shape this mental structure, in a progressive manner, so that they can assimilate the contents that we are trying to transfer, to make the learning as meaningful as possible. In the generative learning model, the links before the stimulus delivered by the teacher and the information stored in the mind of the learner requires an important effort by the student, who should build new conceptual meanings. That effort, which is extremely necessary for a good learning, sometimes is the missing ingredient so that the teaching-learning process can be properly assimilated. In electrical circuits, which we know are perfectly controlled and described by Ohm's law and Kirchhoff's two rules, there are two concepts that correspond to the following physical quantities: voltage and electrical resistance. These two concepts are integrated and linked when the concept of current is presented. This concept is not subordinated to the previous ones, it has the same degree of inclusiveness and gives rise to substantial relations between the three concepts, materializing it into a law: The Ohm, which allows us to relate and to calculate any of the three physical magnitudes, two of them known. The alternate current, in which both the voltage and the current are reversed dozens of times per second, plays an important role in many aspects of our modern life, because it is universally used. Its main feature is that its maximum voltage is easily modifiable through the use of transformers, which greatly facilitates its transfer with very few losses. In this paper, we present a conceptual map so that it is used as a new tool to analyze in a logical manner the underlying structure in the alternate current circuits, with the objective of providing the students from Sciences and Engineering majors with another option to try, amongst all, to achieve a significant learning of this important part of physics.

Rincon de olvido /

Poems.