Análisis del rol de Ifinorte como institución financiera para el desarrollo en el departamento de Norte de Santander
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Fecha
2023
Autores
Flórez Dávila, Miguel Ángel
Zuleta Camacho, Mayra Alejandra
Cárdenas Daza, Alex Andrés
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Ediciones Universidad Simón Bolívar
Facultad de Administración y Negocios
Facultad de Administración y Negocios
Resumen
Este estudio investigativo es un análisis del desarrollo económico de los municipios nortesantandereanos y la gestión que realiza el Instituto Financiero Para el Desarrollo de Norte Santander, en adelante IFINORTE, para coadyuvar al fortalecimiento de proyectos y programas.
En Colombia el crecimiento y aporte económico se conceptualiza a través del ingreso bruto producido por cada municipio, además de contar con los aportes fiscales y regalías que hace el gobierno nacional, dependiendo del grado de categorización con el objeto de que puedan cumplir con su funcionamiento y mejorar la calidad de vida de sus habitantes. Debido algunas condiciones particulares ciertos municipios de Colombia no alcanzan a generar los recursos necesarios y deben recurrir a ciertas entidades que les contribuyan con la gestión y el desarrollo de sus territorios. Acorde con la metodología cualitativa y de enfoque descriptivo se analizó el histórico de informes durante los últimos seis años, relacionados con el número de préstamos realizados a entidades y municipios que requirieron capitales. De otra parte, se expuso las exigencias planteadas por IFINORTE, para realizar la prestación de los servicios financieros.
En síntesis, esta investigación tiene como objetivo principal conocer la problemática actual que existe frente al sostenimiento de los municipios y entidades con patrimonios e ingresos bajos y la gestión que lleva a cabo IFINORTE para desarrollar proyectos en los municipios con poca capacidad económica. En las conclusiones del proyecto se identificó la disminución de solicitudes de crédito durante los últimos dos años de los proyectados para el análisis del estudio
This research study is an analysis of the economic development of the municipalities of Norte Santander and the management carried out by the Financial Institute for the Development of Norte Santander, hereinafter IFINORTE, to help strengthen projects and programs. In Colombia, economic growth and contribution is conceptualized through the gross income produced by each municipality, in addition to the fiscal contributions and royalties made by the national government, depending on the degree of categorization, so that they can comply with their operation and improve the quality of life of their inhabitants. Due to some conditions, some municipalities in Colombia are not able to generate the necessary resources and must resort to certain entities that contribute to the management and development of their territories. In accordance with the qualitative methodology and descriptive approach, the history of reports during the last five years was analyzed, related to the number of loans made to entities and municipalities that required capital. On the other hand, the requirements set forth by IFINORTE for the provision of financial services were presented. In summary, the main objective of this research is to know the current problems that exist regarding the support of municipalities and entities with low assets and income and the management carried out by IFINORTE to develop projects in municipalities with low economic capacity. The conclusions of the project identified the decrease in credit applications during the last two years of the five years projected for the analysis of the study.
This research study is an analysis of the economic development of the municipalities of Norte Santander and the management carried out by the Financial Institute for the Development of Norte Santander, hereinafter IFINORTE, to help strengthen projects and programs. In Colombia, economic growth and contribution is conceptualized through the gross income produced by each municipality, in addition to the fiscal contributions and royalties made by the national government, depending on the degree of categorization, so that they can comply with their operation and improve the quality of life of their inhabitants. Due to some conditions, some municipalities in Colombia are not able to generate the necessary resources and must resort to certain entities that contribute to the management and development of their territories. In accordance with the qualitative methodology and descriptive approach, the history of reports during the last five years was analyzed, related to the number of loans made to entities and municipalities that required capital. On the other hand, the requirements set forth by IFINORTE for the provision of financial services were presented. In summary, the main objective of this research is to know the current problems that exist regarding the support of municipalities and entities with low assets and income and the management carried out by IFINORTE to develop projects in municipalities with low economic capacity. The conclusions of the project identified the decrease in credit applications during the last two years of the five years projected for the analysis of the study.
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Desarrollo, Económico, Financieros, Gestión, Municipios, Development, Economic, Financial, Management, Municipalities