Factores que intervienen en los procesos de ahorro de ingresos e inversión de capital ocioso en productos financieros, de las familias residentes en el distrito primero y tercero del Cantón de Pérez Zeledón periodo 2011-2013
Fecha
2014
Autores
Alvarado Rivera, Andrea
Fernández Blanco, Katherine
Fernández Blanco, Stephanie
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad Nacional, Costa Rica
Resumen
Desde épocas antiguas, el concepto de ahorro e inversión se practicaba de manera espontánea alrededor del mundo; sin embargo, con el paso del tiempo, se ha evidenciado el efecto que tiene el ahorro de ingresos en proporción al desarrollo de su bienestar económico, así como la inversión de recursos como un medio que los habitantes utilizaban para alcanzar riqueza.
El cantón de Pérez Zeledón está constituido por una economía de pequeñas y medianas empresas, que junto a las actividades agropecuarias han permitido el progreso de sus habitantes, por lo tanto, debido a este desarrollo muchas entidades financieras se han establecido en esta zona, diversificando las ofertas para la colocación de los recursos.
Es por esta razón, que el presente trabajo de investigación titulado “Factores que intervienen en los procesos de ahorro de parte de los ingresos e inversión de capital ocioso en productos financieros, de las familias residentes en el distrito primero y tercero del cantón de Pérez Zeledón”, tiene como manifiesto, dar a conocer aquellos aspectos que influyen de manera directa o indirecta en las personas para tomar decisiones de ahorro de ingresos o inversión de capital con mayor criterio.
Para cumplir con este objetivo se desarrollaron cuestionarios, estudios en sitio y entrevistas, aplicables a las partes involucradas dentro de este contexto; tomando un mayor énfasis en las condiciones de oferta y demanda del mercado financiero existente en Pérez Zeledón, específicamente en los distritos de San Isidro de El General y Daniel Flores, así como también la percepción que tienen los individuos con respecto a los diferentes instrumentos de generación de capital.
Since ancient times, the concept of saving and investment was practiced spontaneously around the world; however, as time went by, the effect of saving income in proportion to the development of their economic well-being has become evident, as well as the investment of resources as a means for inhabitants to achieve wealth. The canton of Perez Zeledon is made up of an economy of small and medium sized companies, which together with agricultural activities have allowed the progress of its inhabitants, therefore, due to this development many financial entities have been established in this area, diversifying the offers for the placement of resources. It is for this reason that the present work of investigation titled "Factors that intervene in the processes of saving of part of the income and investment of idle capital in financial products, of the resident families in the first and third district of the county of Perez Zeledón", has like manifesto, to give to know those aspects that influence in a direct or indirect way in the people to take decisions of saving of income or investment of capital with greater criterion. To fulfill this objective, questionnaires, on-site studies and interviews were developed, applicable to the parties involved within this context; taking a greater emphasis on the supply and demand conditions of the financial market existing in Perez Zeledon, specifically in the districts of San Isidro de El General and Daniel Flores, as well as the perception that individuals have regarding the different instruments of capital generation.
Since ancient times, the concept of saving and investment was practiced spontaneously around the world; however, as time went by, the effect of saving income in proportion to the development of their economic well-being has become evident, as well as the investment of resources as a means for inhabitants to achieve wealth. The canton of Perez Zeledon is made up of an economy of small and medium sized companies, which together with agricultural activities have allowed the progress of its inhabitants, therefore, due to this development many financial entities have been established in this area, diversifying the offers for the placement of resources. It is for this reason that the present work of investigation titled "Factors that intervene in the processes of saving of part of the income and investment of idle capital in financial products, of the resident families in the first and third district of the county of Perez Zeledón", has like manifesto, to give to know those aspects that influence in a direct or indirect way in the people to take decisions of saving of income or investment of capital with greater criterion. To fulfill this objective, questionnaires, on-site studies and interviews were developed, applicable to the parties involved within this context; taking a greater emphasis on the supply and demand conditions of the financial market existing in Perez Zeledon, specifically in the districts of San Isidro de El General and Daniel Flores, as well as the perception that individuals have regarding the different instruments of capital generation.
Descripción
Licenciatura en administración con énfasis en gestión financiera
Palabras clave
AHORROS, INVERSION, FAMILIA, DANIEL FLORES (PEREZ ZELEDON), SAN ISIDRO DE EL GENERAL (PEREZ ZELEDON), SAVINGS, INVESTMENT, FAMILY