En los últimos años, el sistema financiero peruano ha logrado constituirse en uno de los pilares del crecimiento económico del Perú. Nuestro país ha superado todas las expectativas en Latinoamérica, puesto que los índices macroeconómicos han evidenciado una notable mejora respecto a décadas anteriores. Pieza fundamental del tejido empresarial de Perú, como de cualquier país desarrollado o en desarrollo, es la pyme, una organización de limitado tamaño que anhela el sólido desarrollo y la competitividad. En el sector agrícola, la pyme es el conjunto de pequeñas y medianas empresas que generan empleos y permiten abastecer la demanda de productos agrícolas en el mercado. La pyme realiza gestión administrativa, donde el proceso de planeación se ejecuta, de este modo, en todos los niveles define las funciones y responsabilidades de todos los involucrados en la organización y los administradores resultan ser gestores de campo y responsables de generar productos apropiados para su público objetivo. En el presente trabajo, el objetivo de evaluar la relación del acceso al crédito con el desarrollo y la competitividad de la pyme agrícola viene abordado desde tres aspectos: a) El acceso al crédito que permite a las pymes tener mayor capacidad de desarrollo, realizar nuevas y más eficientes operaciones y ampliar el tamaño de la infraestructura; b) El desarrollo de las pymes, apoyado mediante un marco de apoyo fiscal, permite que las empresas se mantengan, crezcan y progresen en un entorno dinámico, siguiendo estrategias que le permitan alcanzar sus metas. Las pymes constituyen un elemento importante en el esquema productivo nacional, jugando un papel primordial en el crecimiento económico del país; c) La competitividad de la pyme, como la capacidad de alcanzar una posición destacada y sostenida en el mercado, permite a la empresa una mejora en la calidad de sus productos, la eficiencia de procesos y un incremento en la producción de las empresas. Así, la pyme acrecienta sus beneficios y, bajo condiciones de libre mercado, un país puede producir bienes y servicios que pasen el test de la competencia internacional. De este modo y en concordancia con las características de las empresas seleccionadas para abordar el tema de manera específica, se llegó al planteamiento del siguiente tema para su desarrollo: el acceso al crédito y su relación con el desarrollo y la competitividad de las pymes del sector agrícola de Lima-Perú en 2015. La respuesta a este planteamiento se dará a través del alcance de objetivos puntuales detallados en los objetivos específicos, que permitirá brindar una mirada general al efecto del acceso al crédito en las pymes del sector agrícola. En el presente estudio se realizó una encuesta a una muestra de 120 pymes del sector agrícola de Lima - Perú. Los elementos de la muestra han tenido acceso al crédito en 2015. Durante 1 mes, se realizó la encuesta que tiene un cuestionario de 29 preguntas en escala de Likert y presenta 5 niveles (desde totalmente de acuerdo hasta totalmente en desacuerdo). La hipótesis general tuvo como método de análisis la correlación de Spearman. El resultado del análisis estadístico indicó que el acceso al crédito afecta positivamente en el desarrollo empresarial de las pymes (p=0.000). La relación es directa y de nivel bajo (Rho=0.372) con un tamaño de efecto de 13.8%. De igual modo, el resultado del análisis estadístico indica que el acceso al crédito afecta positivamente en la competitividad de las pymes (p=0.000). La relación es directa y de nivel bajo (Rho=0.329) con un tamaño de efecto de 10.8%. Sobre la base de los resultados obtenidos, podemos afirmar que el acceso al crédito se relacionó de manera positiva con el desarrollo y la competitividad de las pymes del sector agrícola de Lima – Perú en 2015. / In the last years, the financial Peruvian system has achieved to be constitute in one of the pillars of the Economical growth of Peru. Our country has exceeded all Latin America expectations, due to the remarkable improvement that has been evidence into the macroeconomic index to the previous years. One of the most important pieces in the Peruvian business, like in any other country is the SME (Small Medium Enterprise), it is a limited sized organization that longs for a solid growth and competitivity. In the agricultural sector, the SME is the group of small and medium businesses that generates jobs and allows to supply agricultural products to the market. The SME makes administrative management, where the planning process runs, thereby, in all the levels it defines the functions and responsibilities of the people involved in the organization and the administrators are field managers and responsible to generate appropriate products to target audience. In this present work, the objective is to evaluate the relationship of access to credit with the development and competitiveness that the agricultural SME comes from three aspects: a) the access to credit that allows the SMEs to have higher growth capacity to make new and more efficient operations, also to expand the size of infrastructure; b) the development of the SME, helping through a fiscal support, that allows the enterprises to maintain, grow and progress in a dynamic environment, following strategies that permit them to achieve their goals. The SME constitute an essential element in the national productive scheme, playing a key role in the country’s economic growth; c) the competitivity of the SME, like reaching the capacity of an outstanding and permanent position into the market, allowing the improvement of their products, the efficiency of the process and a raise in the production of the enterprises. Therefore, the SME increase their benefits under free market conditions. A country can produce goods and services that pass the test of international competition. In this way and in accordance with the characteristics of the selected companies to address the issue specifically, the approach to the following topic for its development is reached: the access to credit and its relationship with the development and competitiveness of the SMEs in the agricultural sector of Lima-Peru in 2015. The answer to this approach will be given through the scope of punctual objectives detailed in specific objectives which will provide a general overview of the effect of access to credit in SMEs in the agricultural sector. In the present study a survey was conducted on a sample of 120 SMEs of the agricultural sector in Lima – Peru. The elements of the sample have had access to credit in 2015. For one month, a survey of entrepreneurs was conducted. The survey has a questionnaire of 29 questions on Likert scale and has 5 levels (from Totally agree to Totally disagree). The general hypothesis was evaluated by the Spearman Correlation as a method of analysis. The result of the statistical analysis indicated that the access to credit positively affects the business development of the SMEs (p=0.000) the relationship is direct and low level (Rho=0.372) with an effect sized of 13.8%. In the same way, the statistical analysis result indicated that the access to credit positively affects competitiveness of SMEs (p=0.000) the relationship is direct and low level (Rho=0.329) with an effect sized of 10.8%. Based on the results obtained, we can assure that the access to credit is positively related on the development and competitiveness of SMEs of the agricultural sector in Lima – Peru in 2015. / Tesis

O gerenciamento de portfólios de projetos é adotado por organizações para garantir que sejam priorizados e realizados os melhores projetos para atingir os objetivos estratégicos da organização e para haver um melhor planejamento do uso dos diversos recursos da organização para a execução dos projetos. O setor público tem características que o distingue do setor privado, o que reflete em como as organizações dos dois setores são gerenciadas. O objetivo deste trabalho, além de realizar uma revisão bibliográfica sobre o gerenciamento de portfólio no setor público, é estudar as características e ferramentas utilizadas no gerenciamento de portfólio de projetos no setor público em comparação com o setor privado. Para a realização deste estudo foram realizados estudos de caso em quatro empresas privadas de diversos setores e em quatro organizações públicas de diversas esferas de governo e de atuação. Nos estudos de caso, além da análise de documentação, foram realizadas entrevistas com profissionais de todas as organizações as quais foram transcritas e analisadas com auxílio do NVivo, um programa de análise qualitativa de dados. A análise dos dados levantados frente às proposições de pesquisa permitiu constatar que em ambos os setores o gerenciamento de portfólio de projetos tem como um de seus objetivos principais gerar um alinhamento entre os projetos realizados e os objetivos estratégicos pretendidos pela organização; as organizações do setor público, ao contrário do sugerido pela análise da literatura, possuem uma maior formalização dos seus processos de gerenciamento de portfólio de projetos; existe um indicativo que as ferramentas utilizadas em ambos os setores são semelhantes, sendo que a ferramenta de pontuação e ordenamento é uma das mais utilizadas nas organizações pesquisadas; as classes de critérios mais utilizadas para a seleção e priorização do portfólio no setor público são diferentes das classes de critérios utilizadas no setor privado; a classe de critérios \"financeira\" é a que possui maior quantidade de critérios no setor privado e menor quantidade no setor público, situação que se inverte com a classe \"social e ambiental\" que tem maior quantidade de critérios no setor público e menor número no setor privado; o setor público tem menor atenção ao gerenciamento de riscos do que o setor privado. Não foi possível concluir se há diferença entre a influência das partes interessadas internas e externas à organização no gerenciamento de portfólio nos setores analisados. / Project portfolio management is used by organizations to ensure that they prioritize and execute the best projects available to achieve the organization\'s strategic objectives and to better plan the use of their resources. The public sector has some characteristics that distinguish it from the private sector that influences how organizations in both sectors are managed. This work aims to carry out a bibliographic review on portfolio management in the public sector and also to compare the characteristics and tools of project portfolio management processes used in the public and private sector. In order to carry out this study, eight case studies were carried out, four in private companies from different sectors and four in public organizations from different government´s responsibility and regions. During the case studies, in addition to documentation analysis, interviews were conducted with organizations´ professionals, that were transcribed and analyzed using NVivo, a qualitative data analysis software. The analysis of the data collected in comparison to the research proposals showed that in both sectors the main goal of project portfolio management is to generate an alignment between the projects carried out and the strategic objectives pursued by the organization; on the contrary that were indicated by the literature review, public sector organizations have more formalized project portfolio management processes than private sector companies; there is an indication that organizations in both sectors use similar tools and the scoring and classification´s type is the most commonly used; the selection and prioritization criteria most used by public sector organizations are from different class than the most used by private sector organizations; the \"financial\" class of criteria is the one that has the biggest amount of criteria in the private sector and the smallest amount in the public sector, the opposite situation occurs in the \"social and environmental\" class that has the biggest amount of criteria in the public sector and the smallest amount in the private sector; public sector organizations are less concerned about risk management than private sector organizations. It wasn´t possible to infer if there is a difference in the influence\'s level between internal and external stakeholders in the project portfolio management\'s practices in the analyzed sectors.

Asylum and integration policies are important components of a country's migration policy. Firstly because of their very nature, as they deal with international protection and integration of foreigners into society. However, as it is indicated in this thesis, the functioning of these policies may affect not only how asylum or integration processes are taking place after the foreigners cross the country's borders but it may to some extent influence who comes into the country. This can be caused by how the country is perceived and whether people will consider it a suitable "refuge" and seek asylum there. Also, governments can determine how many people will come to their territory based on various relocation mechanisms. In order to understand the impact and functioning of asylum and integration policies, it is necessary to explore their different levels: discourse, policy on paper and its real implementation. This thesis describes how these levels interact and influence each other. Studying these three policy lines is especially interesting today because the phenomenon of migration was not significant for the public in Slovakia until a few years ago, but in 2015, with the culmination of the so-called migration crisis, it became one of the most important issues in Slovakia, despite the fact that the...

The aim of this dissertation thesis is an analysis and comparison of the wages and the wage differentials between public and private sectors in the Czech Republic for the years 2008 and 2009, including an analysis of influence of the individual factors (education, length of experience, age and region) on the level of wages in public and private sectors and how the wage differentials affect the size of wage differentials between workers with tertiary and secondary education and the private rate of return on investment in education in the public and private sectors. The thesis is divided into three chapters. The first chapter provides an overview of economic theories and research on human capital, wage differentials and the private rate of return on investment in education. The second chapter is focused on analysis and comparison of the public and private sectors wages for the years 2008 a 2009 using descriptive statistics, the ANOVA analysis, Tukey's multiple comparison and regression analysis. The third chapter is concentrated on the calculation of wage differentials and on the calculation of private rate of return to investment in education of public and private sector using Mincer equation and Elaborated method. The result of this dissertation thesis is the finding that the influence of individual factors on the level of wages in the public sector is different from the private sector and that the private rate of return to investment in tertiary education in the public sector is smaller than in the private sector.

The Diploma thesis is dealing with the usage of the private-public partnerships in the form of PPP projects. The main aim of this work is an evaluation of the PPP method whilst providing the public good as one of the main tools of financial projects from the public sectors. The thesis is briefly introducing the principles of public sector, its role and functions along with securing public good and their financing. The first part discusses the history of PPP projects, its characteristics and typology, as well as various advantages and disadvantages compared to traditional public contract model. The analytical part is dedicated to the implementation of the private projects and to public partnership in Czech Republic. The pilot projects are the D3 motorway and judicial complex in Usti nad Labem. Foreign projects are represented by M1/M15 motorway in Hungary and its comparison with the D3 motorway. The main section of the analytical part then focuses onto the analysis of the PPP projects, in terms of their effectiveness, financial aspects and the overall merits. In particular, a critical stance on the subject guarantees its objective evaluation. The conclusion of the thesis is evaluated whether it has indeed an effective method as it's sometimes called.

In an age of austerity, specifying how governance and innovation interact is an important issue on the agenda of policymakers and scholars when discussing the role of government in dealing with 'wicked problems'. This trend of public sector spending cuts continues unabated in G20 countries, such as the US, Brazil and Saudi Arabia, and is driven by the concurrence of austerity measures and increasing citizen demands for quality public services. As a way to tackle this dilemma, governments have specifically sought, explicitly or implicitly, to urge public sector organisations to become more effective, which calls for innovation in public organisations, which is inextricably linked to performance. For example, Saudi Arabia launched an unprecedented major economic transformation, Vision 2030, which is considered a huge challenge to the public sector, which employs over two-thirds of Saudi nationals, to be innovative. Although several scholars have tried to prescribe ways to make the public sector more innovative, the theoretical frameworks used explained the effects of governance in unexpectedly parochial terms, and also neglected human capital dynamics, offering scarce insights into why some organisations thrive through innovativeness while others struggle. This study, which extends beyond the traditional high-performance models, examines whether the emphasis on the complementarities between a holistic approach of governance (rather than HRMP) and human capital can drive up human capital's value to produce a relative advantage; in this case, innovativeness. This study breaks from the traditional, agency conflict between stakeholders and managers and uses a combination of theories (social capital theory, stakeholder theory and institutional theory) to describe where and how organisations' governance drives human capital value creation towards innovativeness. This study suggests that different governance mechanisms may work together in a complementary manner, rather than as substitutes, towards higher organisation performance. The conceptual framework uncovers previously overlooked circumstances, such as underestimating the strategic value of the public organisations' human capital, and offers a new approach to the conceptualisation of governance by developing a cooperation (rather than conflict) model, whereby multi governance mechanisms are intertwined. This research adopts a quantitative methodology, along with the positivist philosophical approach, to investigate the hypothetical relationships within the conceptual framework. To analyse and validate the data, this study applies the structure equation model by using the Statistical Package for the Social Sciences (SPSS) AMOS V. 23. Based on data gathered from 713 public employees in Saudi Arabia, the findings indicate that public employees' innovativeness is driven by an organisation's complementarities between governance and human capital. In particular, the findings show that the amount of damage caused to trust within public organisations by a poor ethical work climate is greater, whereas good ethical work climate contributes to employees' trust which in turn positively facilitates the effect of psychological ownership on subsequent innovativeness. The findings also suggest that satisfied internal needs are key capabilities that organisations must possess in order to increase the capacity for innovation. Moreover, this study finds a variety of networks modes which provide opportunities for public employees to innovate. These research outcomes yield several theoretical and practical implications. As a preliminary study, designed to address a complicated phenomenon in the public sector, the results of this study should be considered in the light of some limitations.

This paper examines the performance of Indian banks by studying the effects of recent reforms and macroeconomic events. Indian banks went through a period of reforms in the past twenty years. The impact of these reforms and major macroeconomic events has been examined using time-series analysis. Event studies offer additional perspective on the short-run effect of the events on different types of Indian banks. Although, the event dates are not all statistically significant in the time-series regressions, the demonetization of 2016 is significant in the event study analysis. Thus, while reforms and events have immediate impact on the performance of Indian banks, the effects did not always persist over the larger time-period.

En el Perú, la calidad de los servicios de salud es un requisito constante para la población como también una prioridad. “El 49% de los peruanos considera que los servicios de salud son muy malos, mientras que el 47% piensa que son regulares y únicamente el 4% asegura que sí son buenos”. (Datum Internacional S.A, 2017) Por ello, se considera que los grandes problemas del sector salud están en la prestación de servicios y no realmente en el financiamiento del sector; esto produce que los procesos de atención médica sean poco sostenibles. Adicional a ello, La Encuesta Nacional de Satisfacción de Usuarios en Salud del 2015 reveló que existen problemas muy críticos que resolver, como por ejemplo manifiesta que “El tiempo de espera para ser atendido en un consultorio, ha aumentado con respecto a 2014 cuando se registró un tiempo promedio de 81 minutos de espera, ahora el tiempo es de 104 minutos”. (Gestión, 2016) En base a la información mencionada anteriormente, se propone mejorar el servicio de atención ambulatoria mediante un modelo tecnológico de servicio de información farmacológica ambulatoria utilizando una plataforma cloud; esta propuesta permitirá brindar información, administrar los datos de enfermedades comunes y migrarlos a la nube para integrarlos mediante una interfaz desarrollada en una plataforma cloud. Con esta solución se estima reducir la asistencia a los servicios de salud y minimizar los tiempos de espera a una respuesta de una enfermedad común, ya que la información será expuesta en una aplicación móvil. / In Peru, the quality of health services is a constant requirement and a priority for the population. "49% of Peruvians believe that health services are very bad, while 47% think they are good." (Datum International S.A., 2017) Therefore, we confirm that the main problems in the health sector are in the quality of services and not how much can they spend in the sector; this makes health care processes unsustainable. In addition, the National Health Users Satisfaction Survey of 2015 revealed that there are very critical problems that need to be resolved, for example, by stating that "the waiting time to be treated in a clinic has increased compared to 2014 when an average of time of 81 minutes waiting, now the time is 104 minutes. "(Gestión, 2016) Based on the information mentioned above, the best ambulatory care service is offered through an ambulatory mobile pharmacological information service application using the platform cloud; this proposal is useful because we can manage common disease data and migrates to the cloud to integrate into a platform developed in platform cloud. With this solution, it is possible to reduce attendance to health services and minimize waiting times for the response of a common disease, since the information was exposed in a mobile application. / Tesis

Voluntary Sector Organisation Public Partnerships (IOPs) are a new form of collaboration for voluntary and public organisations, which aim to give financial support ta a welfare service provided by the voluntary actor. The aim of this study is to examine the importance of voluntary organisations in the modern welfare state. The importance they have as welfare producers. In this study i have chosen to look at how Karlstad municipality works with IOP cooperation. My theoretical starting point of this study have been the concept of social capital and how IOP collaboration works from a trust perspective. I have used both document study and interviews to answer my purpose. I have interviewed both officials in Karlstad municipality and representatives of the voluntary organisations that have IOP cooperation with the municipality in Karlstad. The conclusion I have found here is that Karlstad municipality and the three voluntary organisations I met, have a good collaboration with a high level of trust between them. But there is also some dissatisfaction that it is the municipality that benefits most from the cooperation. Another conclusion is that IOP collaboration has a great impact on the individuals who get help through the voluntary organisations. The study shows that many of these individuals would be completely helpeless unless the voluntary organisations improve their work.

El sector servicio, específicamente el sector automotriz, ha tenido un gran crecimiento en la economía y se ha mantenido en la constante búsqueda de métodos para mejorar sus índices de calidad con sus clientes; sin embargo, en esta actividad terciaria es constante la existencia de errores en las reparaciones generales. Este documento aborda un estudio práctico para medir la efectividad del modelo Lean Service Quality (LSQ), que combina el desarrollo de una escala de elementos múltiples para medir la calidad del servicio (SERVQUAL) y un modelo conceptual/práctico Lean Service, con el objetivo de reducir el número de reparaciones técnicas defectuosas en un concesionario automotriz de Lima. El principal resultado de la investigación, se logró definir una guía práctica para la replicación del modelo LSQ y como primera aproximación del modelo se pudo evidenciar que dentro del concesionario en estudio se logró reducir en 5.17% el índice de reparaciones mal realizadas. / The service sector, specifically the automotive sector, has witnessed significant growth in the economy and is constantly searching for methods to improve its quality indexes with its customers; however, errors in general repairs are ever present in this tertiary activity. This document undertakes a practical study to measure the effectiveness of the Lean Service Quality (LSQ) model, which combines the development of a multi-elemental scale to measure service quality (SERVQUAL) and a conceptual/practical Lean Service model, with the aim of reducing the number of poorly performed technical repairs at a Toyota automobile dealership. The main result of the research was defining a practical guide to replicate the LSQ model. In addition, as the model’s first approach, the study demonstrated that, for the dealership under study, the rate of bad repairs was ultimately reduced by 5.17%. / Tesis