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Datos digitales en los score de crédito: herramienta para la inclusión financiera del crédito en Colombia
dc.rights.license | Atribución-NoComercial-SinDerivadas 4.0 Internacional |
dc.contributor.advisor | Díaz Pinzón, Beatriz Helena |
dc.contributor.author | García Simbaqueva, Yeimy Lorena |
dc.date.accessioned | 2021-02-01T17:38:05Z |
dc.date.available | 2021-02-01T17:38:05Z |
dc.date.issued | 2020-08-12 |
dc.identifier.citation | García Simbaqueva, Y. L. (2020).Datos digitales en los score de crédito: herramienta para la inclusión financiera del crédito en Colombia [Tesis de maestría, Universidad Nacional de Colombia]. Repositorio Institucional. |
dc.identifier.uri | https://repositorio.unal.edu.co/handle/unal/79013 |
dc.description.abstract | This final master's thesis analyzes how digital data sources have allowed the creation of alternative credit scores that enable the financial inclusion of credit in Colombia. A theoretical framework provided an understanding of key concepts for the research and guided the detailed exploration of 6 documents that were analyzed and serves like an input for final tables about the use of various alternative variables in credit scores. In addition to this, some success stories and new players in the market were explored. These conceptual inputs allowed the construction of 4 summary tables i) Causes of financial exclusion ii) Alternative variables used in credit scores iii) Benefits of using alternative data and iv) Challenges of using alternative data, which were validated with experts at through the Delphi method, with whom a consensus was sought on these issues and an opinion of the Colombian context, some final conclusions were finally issued. |
dc.description.abstract | El presente trabajo final de maestría analiza cómo las fuentes de datos digitales han permitido la creación de score de crédito alternativo que habilita la inclusión financiera del crédito en Colombia. Se construyó un marco teórico que brindó un entendimiento de conceptos claves para la investigación y guiaron la exploración detallada de 6 documentos que fueron analizados y dan cuenta del uso de diversas variables alternativas en los score de crédito, a la vez se exploraron algunos casos de éxito y nuevos jugadores en el mercado. Estos insumos conceptuales permitieron la construcción de 4 tablas de resumen i) Causas de exclusión financiera ii) Variables alternativas usadas en score de crédito iii) Beneficios del uso de datos alternativos y iv) Desafíos del uso de datos alternativos, que fueron validadas con expertos a través del método Delphi, con quienes se buscó un consenso en estos temas y una opinión del contexto colombiano, finalmente se emitieron algunas conclusiones finales. |
dc.format.extent | 79 |
dc.format.mimetype | application/pdf |
dc.language.iso | spa |
dc.rights | Derechos reservados - Universidad Nacional de Colombia |
dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/4.0/ |
dc.subject.ddc | 332 - Economía financiera |
dc.title | Datos digitales en los score de crédito: herramienta para la inclusión financiera del crédito en Colombia |
dc.type | Otro |
dc.rights.spa | Acceso abierto |
dc.type.driver | info:eu-repo/semantics/other |
dc.type.version | info:eu-repo/semantics/acceptedVersion |
dc.publisher.program | Bogotá - Ciencias Económicas - Maestría en Contabilidad y Finanzas |
dc.contributor.researchgroup | GISTIC |
dc.description.degreelevel | Maestría |
dc.publisher.department | Escuela de Administración y Contaduría Pública |
dc.publisher.branch | Universidad Nacional de Colombia - Sede Bogotá |
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dc.rights.accessrights | info:eu-repo/semantics/openAccess |
dc.subject.proposal | Financial inclusion |
dc.subject.proposal | Inclusión financiera del crédito |
dc.subject.proposal | Score de crédito |
dc.subject.proposal | Credit scoring |
dc.subject.proposal | Alternative data |
dc.subject.proposal | Datos alternativos |
dc.type.coar | http://purl.org/coar/resource_type/c_1843 |
dc.type.coarversion | http://purl.org/coar/version/c_ab4af688f83e57aa |
dc.type.content | Text |
oaire.accessrights | http://purl.org/coar/access_right/c_abf2 |
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