MARKETING RELACIONAL Y FIDELIZACIÓN DE LOS CLIENTES DE LA EMPRESA LUDIDACTICOS S.A.C - SAN JUAN DE LURIGANCHO - AÑO 2016

El Marketing relacional y la fidelización del cliente y de cómo el Marketing relacional afecta la lealtad de los clientes hacia la empresa. Definimos nuestra problemática a partir de hechos observados hacia los clientes de la Empresa Ludidácticos S.A.C del distrito de S.J.L, en donde se logró comprobar las deficiencias que presentan la empresa con respecto a la implementación del marketing relacional. Planteamos nuestros objetivos de la investigación para determinar la relación de Marketing relacional y la fidelidad de los clientes de la empresa. En nuestra investigación se menciona definiciones básicas de las variables planteadas tomando como teóricos a los autores Burgos para Marketing relacional y Alcaide para fidelización de cliente. Se aplicó un paradigma cuantitativo ya que se llevara a cabo encuestas a una muestra significativa para obtener información acerca de la opinión y características de las variables de estudio, cabe resaltar que la encuesta se aplicara solo a clientes. La hipótesis señaló que existe una relación entre Marketing relacional y fidelización de cliente, determinado la existencia de similitud con las dimensiones de estudi

Factores que afectan la tenencia de productos financieros en Colombia

En este artículo se indaga sobre las variables que determinan que las personas decidan no incluir en su portafolio productos y servicios financieros, a pesar de conocer su existencia. Con base en los resultados para Colombia de la Encuesta de medición de capacidades financieras en los países andinos de la CAF, se estima la dependencia entre la condición de conocimiento y tenencia de productos financieros y las variables relacionadas con las características sociodemográficas del encuestado, las aptitudes financieras de los hogares, entre otras; adicionalmente, se busca medir su nivel o fuerza de asociación

Unusual presentation of hepatitis B serological markers in an Amerindian community of Venezuela with a majority of occult cases

<p>Abstract</p> <p>Background</p> <p>Occult hepatitis B infection (OBI) is characterized by the presence of hepatitis B virus (HBV) DNA in the absence of HBsAg in the serum of patients. The aim of this study was to characterize HBV infection among a Piaroa community, an Amerindian group which exhibits significant evidence of exposure to HBV but relatively low presence of HBsAg, and to explore the presence of OBI in this population.</p> <p>Results</p> <p>Of 150 sera, with 17% anti-HBc and 1.3% HBsAg prevalence, 70 were tested for the presence of HBV DNA. From these, 25 (36%) were found positive for HBV DNA by PCR in the core region. Two of these 25 sera were HBsAg positive, indicating an overt infection. Of the remaining 68 sera tested, 23 exhibited OBI. Of these, 13 were HBV DNA out of 25 anti-HBc positive (52%) and 10 HBV DNA positive, out of 43 anti-HBc negative (23%), with a statistical significance of <it>p </it>= 0.03. Viral DNA and HBsAg were present intermittently in follow up sera of 13 individuals. Sequence analysis in the core region of the amplified DNA products showed that all the strains belonged to HBV genotype F3. The OBI isolates displayed 96-100% nucleotide identity between them. One isolate exhibited the co-circulation of a wild type variant with a variant with a premature stop codon at the core protein, and a variant exhibiting a deletion of 28 amino acids.</p> <p>Conclusions</p> <p>The frequency of OBI found in this Amerindian group warrants further studies in other communities exhibiting different degrees of HBV exposure.</p

K121Q polymorphism in the Ectonucleotide Pyrophosphatase/Phosphodiesterase 1 gene is associated with acute kidney rejection

The identification of risk factors for acute rejection (AR) may lead to strategies to improve success of kidney transplantation. Ectonucleotidases are ectoenzymes that hydrolyze extracellular nucleotides into nucleosides, modulating the purinergic signaling. Some members of the Ectonucleotidase family have been linked to transplant rejection processes. However, the association of Ectonucleotide Pyrophosphatase / Phosphodiesterase 1 (ENPP1) with AR has not yet been evaluated. The aim of this study was to evaluate the association between the K121Q polymorphism of ENPP1 gene and AR in kidney transplant patients. We analyzed 449 subjects without AR and 98 with AR from a retrospective cohort of kidney transplant patients from Southern Brazil. K121Q polymorphism was genotyped using allelic discrimination-real-time PCR. Cox regression analysis was used to evaluate freedom of AR in kidney transplant patients according to genotypes. Q allele frequency was 17.6% in recipients without AR and 21.9% in those with AR (P = 0.209). Genotype frequencies of the K121Q polymorphism were in Hardy-Weinberg equilibrium in non-AR patients (P = 0.70). The Q/Q genotype (recessive model) was associated with AR (HR = 2.83, 95% CI 1.08–7.45; P = 0.034) after adjusting for confounders factors. Our findings suggest a novel association between the ENPP1 121Q/Q genotype and AR in kidney transplant recipients

Protección osteoarticular de Zea mays L. variedad morada (maíz morado) en artritis experimental en ratas

Objetivos. Evaluar el efecto protector de Zea mays L. variedad morada (maíz morado) frente a la respuesta inflamatoria y daño osteoarticular en ratas con artritis experimental. Materiales y métodos. Se emplearon 65 ratas Holtzman, asignadas en siete grupos: G1 (n=5): control, G2 (n=10): pristane (PIA) + agua destilada, G3 (n=10): PIA + metotrexate 0,1 mg/kg, G4 (n=10): PIA + indometacina 0,6 mg/kg, G5 (n=10): PIA + Zea mays 100 mg/kg, G6 (n=10): PIA + Zea mays 1000 mg/kg y G7 (n=10): PIA + metotrexate 0,1 mg/kg + Zea mays 1000 mg/kg. Los tratamientos fueron administrados mediante cánula orogástrica diariamente durante 21 días; el pristane se administró vía subdérmica solo el día 1. Se registró el volumen de pata trasera con un pletismometro digital. El análisis radiológico de las patas se evaluó según los criterios de Clark modificado. Resultados. El porcentaje de inflamación al final del experimento fue: (G1) 1,50 ± 0,5, (G2) 13,73 ± 8,4; (G3) 14,76 ± 8,8; (G4) 14.22 ± 9,0; (G5) 10,81 ± 9.1; (G6) 5,31 ± 1.4; (G7) 6,38 ± 0,5. Los puntajes radiológicos de las áreas afectadas fueron: (G1) 0,6; (G2) 3,5; (G3) 0,6; (G4) 1,7; (G5) 1,9; (G6) 1,4; (G7) 1,0. Solo los grupos Zea mays L. 1000 mg/kg y metotrexate + Zea mays L. 1000 mg/kg mostraron una respuesta inflamatoria significativamente menor (p0,05) y mostraron puntajes articulares significativamente bajos en relación a PIA. Conclusiones. El Zea mays L. (maíz morado) reduce el proceso inflamatorio y las modificaciones radiológicas de la artritis inducida por PIA en ratas de modo dosis dependiente

Caracterización clínica y epidemiológica del cáncer de mama en el Policlínico Docente "7 de noviembre", 2020

Introducción: dentro del universo oncológico, irrumpe el cáncer mamario como uno de los tumores malignos de mayor presencia en el orbe. Es el tumor maligno más frecuente en las mujeres. La edad es uno de los factores de riesgo conocidos así como los estrógenos que juegan un papel importante en la aparición del cáncer de mama. La reducción de la mortalidad depende del diagnóstico temprano.Objetivo: caracterizar las pacientes con cáncer de mama atendidas en la consulta de OncologíaMétodos: se realizó un estudio transversal descriptivo sobre todas las pacientes con diagnóstico de cáncer de mama de la consulta de oncología del Policlínico Docente “7 de Noviembre”, en el período de enero 2020 a diciembre del mismo año. Se utilizó un modelo de registro de la información, que recogió las variables dependiente: tipo de cáncer de mama y variables independientes: edad y sexo, escolaridad, factores de riesgo, manifestaciones clínicas de cáncer de mama, tiempo de evolución de la enfermedad, tratamiento quimioterapéutico o quirúrgico realizado. Desde el punto de vista estadístico los datos recogidos fueron procesados en números en frecuencias absolutas y por cientosResultados: predominaron las pacientes de 29-59 años de edad (53.7%)  con un nivel de escolaridad Nivel medio (43.4%) lo que se correlaciona con la edad como principal factor de riesgo en las mismas para 31 pacientes (46.3) y la principal manifestación clínica que se pudo estudiar fue la masa palpable por las propias pacientes seguido de secreción del pezón sumando en total de 45 (67.2%) pacientes donde un gran número de ellas evolucionaron en un periodo de tres a cinco años por tardía consulta, favorecida por desconocimiento y la mayoría obtuvo buenos resultados solo con el tratamiento quirúrgico (32.8%).Conclusiones: se caracterizó el cáncer de mama evidenciándose que este tipo de cáncer constituye un tema de relevante importancia en la sociedad por la necesidad de conocer todo lo referente a él, manifestándose en pacientes en edad laboral

Financial Stability Report - September 2015

From this edition, the Financial Stability Report will have fewer pages with some changes in its structure. The purpose of this change is to present the most relevant facts of the financial system and their implications on the financial stability. This allows displaying the analysis more concisely and clearly, as it will focus on describing the evolution of the variables that have the greatest impact on the performance of the financial system, for estimating then the effect of a possible materialization of these risks on the financial health of the institutions. The changing dynamics of the risks faced by the financial system implies that the content of the Report adopts this new structure; therefore, some analyses and series that were regularly included will not necessarily be in each issue. However, the statistical annex that accompanies the publication of the Report will continue to present the series that were traditionally included, regardless of whether or not they are part of the content of the Report. In this way we expect to contribute in a more comprehensive way to the study and analysis of the stability of the Colombian financial system. Executive Summary During the first half of 2015, the main advanced economies showed a slow recovery on their growth, while emerging economies continued with their slowdown trend. Domestic demand in the United States allowed for stabilization on its average growth for the first half of the year, while other developed economies such as the United Kingdom, the euro zone, and Japan showed a more gradual recovery. On the other hand, the Chinese economy exhibited the lowest growth rate in five years, which has resulted in lower global dynamism. This has led to a fall in prices of the main export goods of some Latin American economies, especially oil, whose price has also responded to a larger global supply. The decrease in the terms of trade of the Latin American economies has had an impact on national income, domestic demand, and growth. This scenario has been reflected in increases in sovereign risk spreads, devaluations of stock indices, and depreciation of the exchange rates of most countries in the region. For Colombia, the fall in oil prices has also led to a decline in the terms of trade, resulting in pressure on the dynamics of national income. Additionally, the lower demand for exports helped to widen the current account deficit. This affected the prospects and economic growth of the country during the first half of 2015. This economic context could have an impact on the payment capacity of debtors and on the valuation of investments, affecting the soundness of the financial system. However, the results of the analysis featured in this edition of the Report show that, facing an adverse scenario, the vulnerability of the financial system in terms of solvency and liquidity is low. The analysis of the current situation of credit institutions (CI) shows that growth of the gross loan portfolio remained relatively stable, as well as the loan portfolio quality indicators, except for microcredit, which showed a decrease in these indicators. Regarding liabilities, traditional sources of funding have lost market share versus non-traditional ones (bonds, money market operations and in the interbank market), but still represent more than 70%. Moreover, the solvency indicator remained relatively stable. As for non-banking financial institutions (NBFI), the slowdown observed during the first six months of 2015 in the real annual growth of the assets total, both in the proprietary and third party position, stands out. The analysis of the main debtors of the financial system shows that indebtedness of the private corporate sector has increased in the last year, mostly driven by an increase in the debt balance with domestic and foreign financial institutions. However, the increase in this latter source of funding has been influenced by the depreciation of the Colombian peso vis-à-vis the US dollar since mid-2014. The financial indicators reflected a favorable behavior with respect to the historical average, except for the profitability indicators; although they were below the average, they have shown improvement in the last year. By economic sector, it is noted that the firms focused on farming, mining and transportation activities recorded the highest levels of risk perception by credit institutions, and the largest increases in default levels with respect to those observed in December 2014. Meanwhile, households have shown an increase in the financial burden, mainly due to growth in the consumer loan portfolio, in which the modalities of credit card, payroll deductible loan, revolving and vehicle loan are those that have reported greater increases in risk indicators. On the side of investments that could be affected by the devaluation in the portfolio of credit institutions and non-banking financial institutions (NBFI), the largest share of public debt securities, variable-yield securities and domestic private debt securities is highlighted. The value of these portfolios fell between February and August 2015, driven by the devaluation in the market of these investments throughout the year. Furthermore, the analysis of the liquidity risk indicator (LRI) shows that all intermediaries showed adequate levels and exhibit a stable behavior. Likewise, the fragility analysis of the financial system associated with the increase in the use of non-traditional funding sources does not evidence a greater exposure to liquidity risk. Stress tests assess the impact of the possible joint materialization of credit and market risks, and reveal that neither the aggregate solvency indicator, nor the liquidity risk indicator (LRI) of the system would be below the established legal limits. The entities that result more individually affected have a low share in the total assets of the credit institutions; therefore, a risk to the financial system as a whole is not observed. José Darío Uribe Governo

Reporte de Mercados Financieros - primer trimestre de 2013

Este reporte hace una descripción de la dinámica del mercado financiero a nivel local, apoyándose en comparaciones internacionales. El entendimiento del comportamiento de los diferentes mercados es esencial para las entidades encargadas de la supervisión, para los participantes de dichos mercados y para las autoridades encargadas de establecer el marco regulatorio de los mismos

Reporte de Mercados Financieros - segundo trimestre de 2013

Este reporte hace una descripción de la dinámica del mercado financiero a nivel local, apoyándose en comparaciones internacionales. El entendimiento del comportamiento de los diferentes mercados es esencial para las entidades encargadas de la supervisión, para los participantes de dichos mercados y para las autoridades encargadas de establecer el marco regulatorio de los mismos