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Perez, D., Ildefonso, L., Estrada, M., Menéndez, R. (2022). Negocia. Pe: Plataforma financiera de factoring colaborativo para MIPYMES [Pontificia Universidad Católica del Perú]. http://hdl.handle.net/20.500.12404/22043
Perez, D., Ildefonso, L., Estrada, M., Menéndez, R. Negocia. Pe: Plataforma financiera de factoring colaborativo para MIPYMES []. PE: Pontificia Universidad Católica del Perú; 2022. http://hdl.handle.net/20.500.12404/22043
@mastersthesis{renati/537251,
title = "Negocia. Pe: Plataforma financiera de factoring colaborativo para MIPYMES",
author = "Menéndez Ramos, Rosa María",
publisher = "Pontificia Universidad Católica del Perú",
year = "2022"
}
Title: Negocia. Pe: Plataforma financiera de factoring colaborativo para MIPYMES
Authors(s): Perez Aviles, Diana; Ildefonso Linares, Luis Miguel; Estrada Mogolbay, Maria Claudia; Menéndez Ramos, Rosa María
Advisor(s): Ortiz Sosa, Lourdes Maritza
Keywords: Pequeñas y medianas empresas--Perú; Emprendimiento--Perú; Negocios--Planificación; Factoring; COVID-19 (Enfermedad)
OCDE field: https://purl.org/pe-repo/ocde/ford#5.02.04
Issue Date: 1-Apr-2022
Institution: Pontificia Universidad Católica del Perú
Abstract: El presente estudio surge a raíz del auge de los emprendimientos en Perú, como
consecuencia de las elevadas tasas de desempleo originadas por el COVID-19. Esta crisis
afecta principalmente a las micro, pequeñas y medianas empresas (MIPYME), las cuales
representan el 99.5% del total de empresas formales del país. Sin embargo, las MIPYME se
enfrentan a diario a distintos problemas para poder consolidarse como principales motores de
la economía peruana, siendo uno de estos, la falta de liquidez debido al limitado acceso a
fuentes de financiamiento.
La presente investigación ahonda en el proceso de cobro de facturas cuando brindan
un producto o servicio a otras empresas, las cuales suelen ser pagadas en períodos mayores a
30, 60, 90 o 120 días, ocasionando la posibilidad de no poder cumplir con obligaciones de
pago y, por ende, la consolidación de sus negocios o emprendimientos. Para profundizar en
esta problemática se recurrió a la revisión de literatura enfocada en el tema, así como al uso
del método científico y metodologías ágiles para encontrar una solución a la misma, acorde a
las necesidades y preferencias de las MIPYME.
Es así como surge Negocia.Pe, plataforma financiera de factoring colaborativo, la cual
brindará la posibilidad de autogestionar sus facturas negociables a través de una plataforma
digital integrada por todos los proveedores que intervienen en el proceso crediticio.
Asimismo, posibilita que otros emprendedores puedan rentabilizar sus excedentes a tasas
competitivas en el mercado a través de la compra de facturas.
This study arises from the surge in entrepreneurship in Peru, as a consequence of the high unemployment rates caused by COVID-19. This crisis mainly affects micro, small and medium-sized companies (MIPYME), which represent 99.5% of the total number of formal companies in the country. However, MIPYME faces specific challenges on a daily basis in order to survive as the main drivers of the Peruvian economy, one of these being the lack of liquidity due to limited access to financing sources. This investigation will delve into the process of collecting payment when they provide a product or service to other companies, which are usually paid within periods of 30, 60, 90 or 120 days. This increases the risk of not being able to comply with payment obligations, and, therefore, threatening the sustainability of their businesses or ventures. To analyse this problem, a literature review focused on the subject was used, as well as the use of the scientific method and agile methodologies to find a solution to best accommodate the needs of MIPYME. This is how Negocia.Pe arises, a collaborative factoring financial platform, which will offer the possibility of self-managing business invoices through a digital platform integrated by all the providers involved in the process. Likewise, it enables other entrepreneurs to be more profitable at competitive rates in the market through the purchase of their invoices.
This study arises from the surge in entrepreneurship in Peru, as a consequence of the high unemployment rates caused by COVID-19. This crisis mainly affects micro, small and medium-sized companies (MIPYME), which represent 99.5% of the total number of formal companies in the country. However, MIPYME faces specific challenges on a daily basis in order to survive as the main drivers of the Peruvian economy, one of these being the lack of liquidity due to limited access to financing sources. This investigation will delve into the process of collecting payment when they provide a product or service to other companies, which are usually paid within periods of 30, 60, 90 or 120 days. This increases the risk of not being able to comply with payment obligations, and, therefore, threatening the sustainability of their businesses or ventures. To analyse this problem, a literature review focused on the subject was used, as well as the use of the scientific method and agile methodologies to find a solution to best accommodate the needs of MIPYME. This is how Negocia.Pe arises, a collaborative factoring financial platform, which will offer the possibility of self-managing business invoices through a digital platform integrated by all the providers involved in the process. Likewise, it enables other entrepreneurs to be more profitable at competitive rates in the market through the purchase of their invoices.
Link to repository: http://hdl.handle.net/20.500.12404/22043
Discipline: Administración Estratégica de Empresas
Grade or title grantor: Pontificia Universidad Católica del Perú. CENTRUM
Grade or title: Maestro en Administración Estratégica de Empresas
Juror: Sandro Alberto Sanchez Paredes; Pablo Jose Arana Barbier; Lourdes Maritza Ortiz Sosa
Register date: 1-Apr-2022
This item is licensed under a Creative Commons License