Comportamiento de la cartera comercial de los bancos privados del ecuador, 2010-2018

The objective of this study is to determine the behavior of the commercial portfolio of the private banking system of Ecuador during the period 2010-2018, the factors considered correspond to unproductive portfolio, late payment Rate, Gross Domestic Product (GDP), consumer price index , country risk, variation of public debt and liquidity. The data were obtained from the Superintendence of Companies, Central Bank of Ecuador and Superintendence of Banks. The methodology proposes two econometric models, the first the Mobile Media Integrated Autoregressive Univariate (ARIMA) by the estimates of the short-term variables and the second Multivariate of the covariance analysis (ANCOVA) allows to relate variables with the behavior of the commercial portfolio. The main results determine that the study factors cause alterations in the commercial portfolio, therefore, the conclusions are deduced to a banking system sensitive to economic crises, especially to external factors such as the price of oil and economic policy approaches.   Keywords: Commercial portfolio; late payment; liquidity; private banks; Ecuador.  El presente estudio tiene como objetivo determinar el comportamiento de la cartera comercial del sistema bancario privado del Ecuador durante el período 2010-2018, los factores considerados corresponden a cartera improductiva, tasa de morosidad, Producto Interno Bruto (PIB), Índice de precios del consumidor, riesgo país, variación de la deuda pública y liquidez. Los datos fueron obtenidos de la Superintendencia de Compañías, Banco Central del Ecuador y Superintendencia de Bancos. La metodología plantea dos modelos econométricos, el primero el Univariante Autoregresivo Integrado Media Móvil (ARIMA) por las estimaciones de las variables a corto plazo y el segundo Multivariante del Análisis de la Covarianza (ANCOVA) que permite relacionar variables con el comportamiento de la cartera comercial. Los principales resultados determinan que los factores de estudio provocan alteraciones en la cartera comercial, por lo tanto, las conclusiones se deducen a un sistema bancario sensible ante las crisis económicas, especialmente a factores externos como el precio del petróleo y planteamientos de políticas económicas.   Palabras clave: Cartera comercial; morosidad; liquidez; bancos privados; Ecuador.   ABSTRACT   The objective of this study is to determine the behavior of the commercial portfolio of the private banking system of Ecuador during the period 2010-2018, the factors considered correspond to unproductive portfolio, late payment Rate, Gross Domestic Product (GDP), consumer price index , country risk, variation of public debt and liquidity. The data were obtained from the Superintendence of Companies, Central Bank of Ecuador and Superintendence of Banks. The methodology proposes two econometric models, the first the Mobile Media Integrated Autoregressive Univariate (ARIMA) by the estimates of the short-term variables and the second Multivariate of the covariance analysis (ANCOVA) allows to relate variables with the behavior of the commercial portfolio. The main results determine that the study factors cause alterations in the commercial portfolio, therefore, the conclusions are deduced to a banking system sensitive to economic crises, especially to external factors such as the price of oil and economic policy approaches.   Keywords: Commercial portfolio; late payment; liquidity; private banks; Ecuador

Responsabilidad Social Empresarial en el sector financiero del Ecuador durante el período 2016 - 2019

Corporate social responsibility, an agent of change for the growth and development of the environment and a new form of business action that seeks the well-being of stakeholders, contributing to sustainability. In recent years, corporate social responsibility has become a global trend where companies, through the application of tools and instruments appropriate to their needs, in such a way that their actions carried out with transparency and efficiency have responded to the challenges and opportunities that the organization faced. Consequently, looking at corporate social responsibility from a different perspective, from the perspective of financial institutions takes on significant importance. The article shows a descriptive-correlational research, whose objective was to determine the relationship between corporate social responsibility and business profitability on certain Ecuadorian financial institutions, member companies of the Ecuadorian Consortium for Social Responsibility in the period 2016-2019 by reviewing academic literature, sustainability reports and hypothesis testing (one-factor analysis of variance). Analyzing the results, it was evidenced that corporate social responsibility does not have a major impact on the economic performance of the institutions under study, despite the commitment and socially responsible management of the institutions.La responsabilidad social empresarial, es un agente de cambio para el crecimiento y desarrollo del entorno y una nueva forma de actuación empresarial que busca el bienestar de los grupos de interés contribuyendo a la sostenibilidad. Durante los últimos años la responsabilidad social empresarial se ha convertido en una tendencia global donde las empresas a través de la aplicación de herramientas e instrumentos apropiados a sus necesidades han llevado a cabo acciones con transparencia y eficiencia respondiendo a los retos y oportunidades que se le presenten a la organización. Consecuentemente mirar a la responsabilidad social empresarial desde una perspectiva diferente, desde la óptica de las instituciones financieras cobra una importancia significativa. El artículo muestra una investigación descriptiva-correlacional, cuyo objetivo fue determinar la relación entre la responsabilidad social empresarial y la rentabilidad empresarial sobre determinadas instituciones financieras ecuatorianas, empresas miembros del Consorcio Ecuatoriano para la Responsabilidad Social en el período 2016-2019 mediante la revisión de literatura académica, memorias de sostenibilidad y prueba de hipótesis (Análisis de varianza de un factor). Analizando los resultados, se evidenció que la responsabilidad social empresarial no tiene mayor impacto sobre los rendimientos económicos de las instituciones objeto de estudio, pese al compromiso y gestión socialmente responsable de las instituciones

LA U INVESTIGA: Revista Científica. Facultad Ciencias de la Salud. Volumen 3. Número 1

Los ámbitos de investigación expuestos en este número corresponden a salud, educación, comunicación; temática relacionados íntimamente con la problemática social, que trata de visibilizarla a través de la difusión científica. Desde una visión de caso clínico, como son aquellos artículos investigados en los centros asistenciales del país; o de análisis colectivo evidente en los artículos elaborados por académicos de la Universidad Técnica del Norte.• Adenoma pleomorfo metastásico a mama y pulmón. • Evaluación clínica y atención temprana de la potencialidad cerebromotriz innata en los recién nacidos vivos con factores de riesgo neonatal del hospital general San Vicente de Paúl. • Embarazo ectopico cervical a proposito de un caso • Ganglio centinela en cáncer de mama uso de azul patente en unidades de segundo nivel. • Morbimortalidad en recién nacidos pretérminos menores de 36 semanas, hospital IESS Ibarra año 2014. • Ruptura esplénica asociada con preeclampsia severa presentacion de un caso. • Enfermedad de Addison de etiología tuberculosa: presentación de caso clínico. • Estado de la independencia funcional en personas con discapacidad del cantón Otavalo. • Síntesis analítica sobre las bondades medicinales de la jícama (smallanthus sonchifolius) 2015. • Prevención de infecciones puerperales con Churiyuyo (kalanchoe pinnata), una experiencia de las parteras tradicionales en Napo Ecuador. • Valoración de las habilidades comunicativas en la relación fisioterapeuta paciente. • Objeto de aprendizaje móvil en el aula, para estudiantes de la carrera de Nutrición y salud comunitaria, Universidad Técnica del Norte. • Infecciones de vías urinarias asociadas a catéter vesical en mujeres embarazadas. Hospital San Vicente de Paúl, 2015. • Proceso enfermero en la satisfacción de las necesidades básicas en usuario colecistectomizado. • Satisfacción laboral de los profesionales de enfermerí

Robust estimation of bacterial cell count from optical density

Optical density (OD) is widely used to estimate the density of cells in liquid culture, but cannot be compared between instruments without a standardized calibration protocol and is challenging to relate to actual cell count. We address this with an interlaboratory study comparing three simple, low-cost, and highly accessible OD calibration protocols across 244 laboratories, applied to eight strains of constitutive GFP-expressing E. coli. Based on our results, we recommend calibrating OD to estimated cell count using serial dilution of silica microspheres, which produces highly precise calibration (95.5% of residuals <1.2-fold), is easily assessed for quality control, also assesses instrument effective linear range, and can be combined with fluorescence calibration to obtain units of Molecules of Equivalent Fluorescein (MEFL) per cell, allowing direct comparison and data fusion with flow cytometry measurements: in our study, fluorescence per cell measurements showed only a 1.07-fold mean difference between plate reader and flow cytometry data

Geoeconomic variations in epidemiology, ventilation management, and outcomes in invasively ventilated intensive care unit patients without acute respiratory distress syndrome: a pooled analysis of four observational studies

Background: Geoeconomic variations in epidemiology, the practice of ventilation, and outcome in invasively ventilated intensive care unit (ICU) patients without acute respiratory distress syndrome (ARDS) remain unexplored. In this analysis we aim to address these gaps using individual patient data of four large observational studies. Methods: In this pooled analysis we harmonised individual patient data from the ERICC, LUNG SAFE, PRoVENT, and PRoVENT-iMiC prospective observational studies, which were conducted from June, 2011, to December, 2018, in 534 ICUs in 54 countries. We used the 2016 World Bank classification to define two geoeconomic regions: middle-income countries (MICs) and high-income countries (HICs). ARDS was defined according to the Berlin criteria. Descriptive statistics were used to compare patients in MICs versus HICs. The primary outcome was the use of low tidal volume ventilation (LTVV) for the first 3 days of mechanical ventilation. Secondary outcomes were key ventilation parameters (tidal volume size, positive end-expiratory pressure, fraction of inspired oxygen, peak pressure, plateau pressure, driving pressure, and respiratory rate), patient characteristics, the risk for and actual development of acute respiratory distress syndrome after the first day of ventilation, duration of ventilation, ICU length of stay, and ICU mortality. Findings: Of the 7608 patients included in the original studies, this analysis included 3852 patients without ARDS, of whom 2345 were from MICs and 1507 were from HICs. Patients in MICs were younger, shorter and with a slightly lower body-mass index, more often had diabetes and active cancer, but less often chronic obstructive pulmonary disease and heart failure than patients from HICs. Sequential organ failure assessment scores were similar in MICs and HICs. Use of LTVV in MICs and HICs was comparable (42·4% vs 44·2%; absolute difference -1·69 [-9·58 to 6·11] p=0·67; data available in 3174 [82%] of 3852 patients). The median applied positive end expiratory pressure was lower in MICs than in HICs (5 [IQR 5-8] vs 6 [5-8] cm H2O; p=0·0011). ICU mortality was higher in MICs than in HICs (30·5% vs 19·9%; p=0·0004; adjusted effect 16·41% [95% CI 9·52-23·52]; p<0·0001) and was inversely associated with gross domestic product (adjusted odds ratio for a US$10 000 increase per capita 0·80 [95% CI 0·75-0·86]; p<0·0001). Interpretation: Despite similar disease severity and ventilation management, ICU mortality in patients without ARDS is higher in MICs than in HICs, with a strong association with country-level economic status

Measurement of the double-differential inclusive jet cross section in proton-proton collisions at s\sqrt{s} = 5.02 TeV

International audienceThe inclusive jet cross section is measured as a function of jet transverse momentum $p_\mathrm{T}$ and rapidity $y$. The measurement is performed using proton-proton collision data at $\sqrt{s}$ = 5.02 TeV, recorded by the CMS experiment at the LHC, corresponding to an integrated luminosity of 27.4 pb$^{-1}$. The jets are reconstructed with the anti-$k_\mathrm{T}$ algorithm using a distance parameter of $R$ = 0.4, within the rapidity interval $\lvert y\rvert$$\lt$ 2, and across the kinematic range 0.06 $\lt$$p_\mathrm{T}$$\lt$ 1 TeV. The jet cross section is unfolded from detector to particle level using the determined jet response and resolution. The results are compared to predictions of perturbative quantum chromodynamics, calculated at both next-to-leading order and next-to-next-to-leading order. The predictions are corrected for nonperturbative effects, and presented for a variety of parton distribution functions and choices of the renormalization/factorization scales and the strong coupling $\alpha_\mathrm{S}$

Measurement of the double-differential inclusive jet cross section in proton-proton collisions at s\sqrt{s} = 5.02 TeV

The inclusive jet cross section is measured as a function of jet transverse momentum $p_\mathrm{T}$ and rapidity $y$. The measurement is performed using proton-proton collision data at $\sqrt{s}$ = 5.02 TeV, recorded by the CMS experiment at the LHC, corresponding to an integrated luminosity of 27.4 pb$^{-1}$. The jets are reconstructed with the anti-$k_\mathrm{T}$ algorithm using a distance parameter of $R$ = 0.4, within the rapidity interval $\lvert y\rvert$$\lt$ 2, and across the kinematic range 0.06 $\lt$$p_\mathrm{T}$$\lt$ 1 TeV. The jet cross section is unfolded from detector to particle level using the determined jet response and resolution. The results are compared to predictions of perturbative quantum chromodynamics, calculated at both next-to-leading order and next-to-next-to-leading order. The predictions are corrected for nonperturbative effects, and presented for a variety of parton distribution functions and choices of the renormalization/factorization scales and the strong coupling $\alpha_\mathrm{S}$

Measurement of the double-differential inclusive jet cross section in proton-proton collisions at s\sqrt{s} = 5.02 TeV

International audienceThe inclusive jet cross section is measured as a function of jet transverse momentum $p_\mathrm{T}$ and rapidity $y$. The measurement is performed using proton-proton collision data at $\sqrt{s}$ = 5.02 TeV, recorded by the CMS experiment at the LHC, corresponding to an integrated luminosity of 27.4 pb$^{-1}$. The jets are reconstructed with the anti-$k_\mathrm{T}$ algorithm using a distance parameter of $R$ = 0.4, within the rapidity interval $\lvert y\rvert$$\lt$ 2, and across the kinematic range 0.06 $\lt$$p_\mathrm{T}$$\lt$ 1 TeV. The jet cross section is unfolded from detector to particle level using the determined jet response and resolution. The results are compared to predictions of perturbative quantum chromodynamics, calculated at both next-to-leading order and next-to-next-to-leading order. The predictions are corrected for nonperturbative effects, and presented for a variety of parton distribution functions and choices of the renormalization/factorization scales and the strong coupling $\alpha_\mathrm{S}$

Measurement of the double-differential inclusive jet cross section in proton-proton collisions at s= \sqrt{s} = 5.02 TeV

The inclusive jet cross section is measured as a function of jet transverse momentum $p_{\mathrm{T}}$ and rapidity $y$. The measurement is performed using proton-proton collision data at $\sqrt{s} =$ 5.02 TeV, recorded by the CMS experiment at the LHC, corresponding to an integrated luminosity of 27.4$\,\text{pb}^{-1}$. The jets are reconstructed with the anti-$k_{\mathrm{T}}$ algorithm using a distance parameter of $R=$ 0.4, within the rapidity interval $|y| <$ 2, and across the kinematic range 0.06 $< p_{\mathrm{T}} <$ 1 TeV. The jet cross section is unfolded from detector to particle level using the determined jet response and resolution. The results are compared to predictions of perturbative quantum chromodynamics, calculated at both next-to-leading order and next-to-next-to-leading order. The predictions are corrected for nonperturbative effects, and presented for a variety of parton distribution functions and choices of the renormalization/factorization scales and the strong coupling $\alpha_\mathrm{S}$.The inclusive jet cross section is measured as a function of jet transverse momentum $p_\mathrm{T}$ and rapidity $y$. The measurement is performed using proton-proton collision data at $\sqrt{s}$ = 5.02 TeV, recorded by the CMS experiment at the LHC, corresponding to an integrated luminosity of 27.4 pb$^{-1}$. The jets are reconstructed with the anti-$k_\mathrm{T}$ algorithm using a distance parameter of $R$ = 0.4, within the rapidity interval $\lvert y\rvert$$\lt$ 2, and across the kinematic range 0.06 $\lt$$p_\mathrm{T}$$\lt$ 1 TeV. The jet cross section is unfolded from detector to particle level using the determined jet response and resolution. The results are compared to predictions of perturbative quantum chromodynamics, calculated at both next-to-leading order and next-to-next-to-leading order. The predictions are corrected for nonperturbative effects, and presented for a variety of parton distribution functions and choices of the renormalization/factorization scales and the strong coupling $\alpha_\mathrm{S}$

Measurement of the double-differential inclusive jet cross section in proton-proton collisions at s\sqrt{s} = 5.02 TeV

International audienceThe inclusive jet cross section is measured as a function of jet transverse momentum $p_\mathrm{T}$ and rapidity $y$. The measurement is performed using proton-proton collision data at $\sqrt{s}$ = 5.02 TeV, recorded by the CMS experiment at the LHC, corresponding to an integrated luminosity of 27.4 pb$^{-1}$. The jets are reconstructed with the anti-$k_\mathrm{T}$ algorithm using a distance parameter of $R$ = 0.4, within the rapidity interval $\lvert y\rvert$$\lt$ 2, and across the kinematic range 0.06 $\lt$$p_\mathrm{T}$$\lt$ 1 TeV. The jet cross section is unfolded from detector to particle level using the determined jet response and resolution. The results are compared to predictions of perturbative quantum chromodynamics, calculated at both next-to-leading order and next-to-next-to-leading order. The predictions are corrected for nonperturbative effects, and presented for a variety of parton distribution functions and choices of the renormalization/factorization scales and the strong coupling $\alpha_\mathrm{S}$