Suchergebnisse

Competition is often praised for enhancing efficiency in the process of resource-allocation. However, it could also put at risk the sustainability of firms operating within certain industries such as the financial sector. This could have further managerial implications when it comes to social enterprises such as microfinance institutions (MFIs). Using data from Superintendencia de Economía Popular y Solidaria over the period 2016-2019, this study aims at analyzing the aspects of competition on sustainability of Ecuadorian MFIs. More specifically, the research focuses on savings and credit cooperatives (SACCOs). Relying on both the structural and non-structural approach to measure competition at a firm level, findings are in line with an important portion of the microfinance literature claiming that competition is negatively associated with the main measures of financial sustainability and portfolio quality.

The purpose of the article is to reflect the evolution of the development of seventeen Spanish public portals in relation to the availability of elements that enhance a democratic use and access of information by citizens, before and after the Spanish Transparency Law. The results show that, in this period, a slight decrease has occurred in the democratic development of the evaluated portals. ; El objetivo del artículo es reflejar la evolución del desarrollo de diecisiete portales públicos españoles con respecto a una disposición en los mismos de elementos organizativos que potencien un uso y acceso democrático de la información por los ciudadanos, teniendo en cuenta el análisis realizado antes y después de la Ley española de transparencia. La experiencia ha mostrado que, en el periodo señalado, se ha producido una ligera disminución en el desarrollo democrático de los portales evaluados.

Objectives: To point out the technological advances registered in the Brazilian Judiciary System in the digital age, mainly the benefits that the engineering has provided in the improvement of artificial intelligence tools which reflect in the speed of judgments, as well as defining the limits of the use of such resources in view of the of the peculiarities of the judging activity in an immersive and sometimes exclusive demand, in the dynamics between texts and contexts. Methodology: The methodology of this study is deductive coupled with techniques of bibliographical research by way of reviewing doctrine, journals, scientific articles and legislation. The study was strategically divided into a detailed investigation of themes that closely relate to the judicial system, the use of technologies and the effectiveness of Justice. Results: Despite all technological advances, considering the specialties of linguistic resources, whether of an ontological or semantic nature, added to the peculiarity of the jurisdictional services and the completeness of social relations, it is concluded that such technologies, however developed they may be, they are not above the magistrates, but at their side as tools to support jurisdictional practice. The scientific intimate must definitely remain under the human domain, the only one capable of transforming the text by context into a legal norm capable of guaranteeing, at any time, the effectiveness of Justice in the midst of a society as dynamic and transformative as it is today. Contributions: The discussion of working together between lawyers in the rational implementation of digital tools at their disposal and software engineers to simplify the legal world, through the development of intelligent systems, with the aim of understanding and applying their knowledge in the best way to solving questions about the administrative and technical complexity of the legal system, adequately responding to the demands of society.