Análisis de la incorporación del dinero electrónico en microempresas dedicadas al fotocopiado.
Fecha
2016
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Universidad de Guayaquil, Facultad de Ciencia Administrativas
Resumen
El análisis de la incorporación del dinero electrónico se realizó en microempresas dedicadas al fotocopiado ubicadas en la ciudadela Bolivariana, av. Delta y lugares aledaños a la Universidad de Guayaquil para examinar la factibilidad del uso de esta forma de pago oficial equivalente al valor nominal, administrado por el Banco Central del Ecuador, con el fin de disminuir la indisponibilidad de efectivo, monedas fraccionarias, la delincuencia y agilizar el cobro de las transacciones en la prestación de servicios a los usuarios. Se realizó un análisis económico, una matriz Foda como evaluación de factores bajo enfoque de riesgos y un examen costo – beneficio de una inversión publicitaria de $8.550,00 con recuperabilidad a 5 años tomando como ejemplo a la microempresa Mundo Digital Smart Click Mdsc S.A. En el desarrollo de la investigación se utilizó el diseño mixto a partir de la recolección de información, utilizando como técnicas las entrevistas semi estructuradas y encuestas, las cuales se aplicaron a una muestra de 17 trabajadores que laboran en microempresas de fotocopiado ubicadas en la ciudadela Bolivariana, av. Delta y zonas aledañas, obteniendo como resultado el desconocimiento de la forma de pago efectivo desde mi celular y la disposición de incorporar este medio transaccional, además se conoció los diferentes eventos a los que están expuestos diariamente. Debido a los sucesos antes expuestos se aportó un manual con los aspectos más relevantes del dinero electrónico, que deben conocer las microempresas dedicadas al fotocopiado para el correcto uso y noción de tarifas, montos transaccionales, entre otros.
The analysis of the incorporation of the electronic money was realized in microcompanies dedicated to photocopied located in the citadel Bolivariana, av. Delta and bordering places to the University of Guayaquil to examine the feasibility of the use of this form of official payment equivalent to the nominal value administered by the Banco Central del Ecuador, in order to diminish the unavailability of cash, fractional coins, the delinquency and to improve the collection of the transactions in the provision of services to the users. An economic analysis was realized, a counterfoil Foda like evaluation of factors under approach of risks and an examination cost - benefit of an advertising investment of $ 8.550,00 with recoverability to 5 years taking Digital World as an example to the microcompany Smart Click. In the development of the investigation the mixed design was in use from the compilation of information, using as technologies the interviews semi structured and surveys, which were applied to a sample of 17 workers who work in microcompanies of photocopied located in the citadel Bolivariana, av. Delta and bordering zones, obtaining like proved the ignorance of the form of effective payment from my cellular one and the disposition to incorporate this transactional way, in addition knew the different events to which they are exposed every day. Due to the events before exposed a manual was contributed by the most relevant aspects of the electronic money, which must know the microcompanies dedicated to the photocopied one for the correct use and notion of rates, transactional amounts, among others.
The analysis of the incorporation of the electronic money was realized in microcompanies dedicated to photocopied located in the citadel Bolivariana, av. Delta and bordering places to the University of Guayaquil to examine the feasibility of the use of this form of official payment equivalent to the nominal value administered by the Banco Central del Ecuador, in order to diminish the unavailability of cash, fractional coins, the delinquency and to improve the collection of the transactions in the provision of services to the users. An economic analysis was realized, a counterfoil Foda like evaluation of factors under approach of risks and an examination cost - benefit of an advertising investment of $ 8.550,00 with recoverability to 5 years taking Digital World as an example to the microcompany Smart Click. In the development of the investigation the mixed design was in use from the compilation of information, using as technologies the interviews semi structured and surveys, which were applied to a sample of 17 workers who work in microcompanies of photocopied located in the citadel Bolivariana, av. Delta and bordering zones, obtaining like proved the ignorance of the form of effective payment from my cellular one and the disposition to incorporate this transactional way, in addition knew the different events to which they are exposed every day. Due to the events before exposed a manual was contributed by the most relevant aspects of the electronic money, which must know the microcompanies dedicated to the photocopied one for the correct use and notion of rates, transactional amounts, among others.
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Dinero Electrónico, Fotocopiados, Dinero efectivo