Suchergebnisse

Facultad de Contaduría y Ciencias Administrativas. Maestría en Administración ; The intention of this one thesis work, was to analyze the situation of the informal saving of the workers of the SEPLADE (Secretaría de Planeación y Desarrollo Estatal), according to the situation that lives each one on the workers. At the present time due to the low pays that have the workers of the Government of the State, they do not have access to the banking systems which they are established and legalized formally, reason why have been seen in the necessity to have a saving plan by means of the calls "turns", or "savings banks", that informally are created within the same Dependency, with small groups of workers, who save from $50,00 to $300,00 biweekly ones, but that as well does not have any guarantee that support the investment that does each one of the economizers. If they are turns that is one of the most usual mechanisms, exists a responsible for the turn that takes charge of receiving the quotas and to deliver them the person that corresponds, generally who organizes is it that person that has to cover a need almost immediately since always or almost always the first shift corresponds to this, a savings for the members is considered that They have the last shifts, since they receive the total total to having it "placed", and is a system of credit for the first shifts, therefore they receive it for anticipated, besides without paying interests. From time to time they come they do turns not alone of money but also of computers, electrical appliances, clocks, among others. ; El propósito de éste trabajo de tesis, fue el analizar la situación del ahorro informal de los trabajadores de la SEPLADE (Secretaría de Planeación y Desarrollo Estatal), de acuerdo a la situación que vive cada uno de los trabajadores. En la actualidad debido a los bajos sueldos que tienen los trabajadores del Gobierno del Estado, no tienen acceso a los sistemas bancarios que se encuentran formalmente establecidos y legalizados, por lo que se han visto ...