{"id":1475,"date":"2020-07-06T10:49:39","date_gmt":"2020-07-06T15:49:39","guid":{"rendered":"https:\/\/www.aldia.unah.edu.pe\/?p=1475"},"modified":"2020-07-06T10:49:41","modified_gmt":"2020-07-06T15:49:41","slug":"manejo-financiero-en-empresas-turisticas","status":"publish","type":"post","link":"https:\/\/aldia.unah.edu.pe\/?p=1475","title":{"rendered":"Manejo financiero en empresas tur\u00edsticas"},"content":{"rendered":"\n
\"\"
Idelia Mirta Cristobal Lobaton<\/span>
icristobal@unah.edu.pe<\/figcaption><\/figure>\n
\n

\u201cTardamos 12 a\u00f1os en construir Airbnb y lo perdimos casi todo en 6 semanas\u201d Brian Chesky, fundador de Airbnb, sobre los efectos del COVID- 19 en su empresa, cerraron locales, despidieron personas, eliminaron gastos de marketing y lanzaron productos online.<\/span><\/p>\n

\n

Otra salida fue diversificar la estructura de ingresos, las operaciones tienen que ir de mano con la financiaci\u00f3n dos mundos paralelos que interact\u00faan para tener solidez y rentabilidad (dinero inteligente\/ \u201cSmart money\u201d).<\/span><\/p>\n

Tambi\u00e9n se hace necesario el Plan de recuperaci\u00f3n, <\/strong>nos preguntamos quieres ser \u00bfPresa o Aliado de Caza? Debemos ser cazadores, emprendedores, alistar protocolos, activos que no sirven venderlos, el mundo gira en torno al EFE \u201cefectivo\u201d, cumplir con los acuerdos, aliarnos. El plan de recuperaci\u00f3n A, B y C debe considerar:<\/span><\/p>\n

\n

Etapa 1. Sobrevivir:<\/span><\/strong><\/p>\n

\n
    \n
  • Cercan\u00eda a nuestros clientes<\/span><\/li>\n
  • Canales de venta y distribuci\u00f3n<\/span><\/li>\n
  • Nuestros colaboradores<\/span><\/li>\n
  • Eficiencia de las operaciones<\/span><\/li>\n
  • Reprogramar obligaciones<\/span><\/li>\n
  • Flujo de caja<\/span><\/li>\n<\/ul>\n
    \n

    Etapa 2. Sostenibilidad:<\/span><\/strong><\/p>\n

    \n
      \n
    • Valor a construir y destruir<\/span><\/li>\n
    • Productividad<\/span><\/li>\n
    • Talento<\/span><\/li>\n
    • Digitalizar con sentido \u201cnadie quiere descargar Apps, m\u00e1s en su celular\u201d<\/span><\/li>\n
    • Transformaci\u00f3n de negocios<\/span><\/li>\n
    • Nuevos socios<\/span><\/li>\n<\/ul>\n
      \n

      Claves de sostenibilidad:<\/strong><\/span><\/p>\n

      \n
        \n
      • Empate producto\/mercado= ingresos<\/span><\/li>\n
      • Redefinir servicio<\/span><\/li>\n
      • Procesos de creaci\u00f3n del servicio<\/span><\/li>\n
      • Cambios de regulaci\u00f3n del servicio<\/span><\/li>\n
      • Inversi\u00f3n en la reconversi\u00f3n<\/span><\/li>\n
      • Costeo del nuevo servicio<\/span><\/li>\n
      • Financiamiento<\/span><\/li>\n<\/ul>\n

        En nuestro pa\u00eds son programas de financiamiento: Reactiva Per\u00fa, Fondo Crecer, FAE MYPE y recientemente El FAE- Turismo como decreto de urgencia N\u00b0076-2020 con condiciones distintas de FAE- MYPE, promueve el financiamiento de las micro y peque\u00f1as empresas del sector turismo a trav\u00e9s de cr\u00e9ditos para capital de trabajo, a fin de recuperar el flujo de sus operaciones habituales ante un escenario de dr\u00e1stica reducci\u00f3n de la actividad econ\u00f3mica y una significativa disminuci\u00f3n de las liquidez. Beneficiarios de S\/- 500 000 000: <\/span><\/p>\n

        Hospedajes, Transportes interprovinciales terrestres de pasajeros, Trasporte tur\u00edstico, Agencias de viajes, Restaurantes, Actividades de Esparcimiento, Organizaciones de Congresos , Convenciones y Eventos, Producci\u00f3n y Comercializaci\u00f3n de artesan\u00edas. Sobre la cobertura de pr\u00e9stamo el fondo garantiza a COFIDE al 100%, equivale a 3 x el promedio mensual de deuda de capital de trabajo 2019, Alternativamente, 4 x el promedio mensual de ventas 2019 (SUNAT)<\/span><\/p>\n

        \n

        Plazo m\u00e1ximo de pr\u00e9stamo: 60 meses, Periodo de gracia m\u00e1x. 18 meses y plazo de uso: 31\/dic\/2020. COFIDE financia el 100% del cr\u00e9dito. Hasta S\/ 90 000 con garant\u00eda (98 %), De S\/ 90 001 a S\/ 750 000 (95%).<\/span><\/p>\n

        \n

        Elegibilidad del deudor:<\/strong><\/span><\/p>\n

        \n
          \n
        • Destino: Cr\u00e9dito para capital de trabajo<\/span><\/li>\n
        • Tama\u00f1o del deudor: Micro empresas o peque\u00f1as empresas<\/span><\/li>\n
        • Clasificaci\u00f3n de riesgo a esa fecha: haber estado en Normal durante los 12 meses previos. Para COOPAC, se elige seg\u00fan su reglamento operativo<\/span><\/li>\n
        • Reglamento sobre mecanismo o verificaci\u00f3n de permanencia al sector turismo pendiente (MINCETUR)<\/span><\/li>\n<\/ul>\n
          \n

          NO elegibilidad del deudor:<\/strong><\/span><\/p>\n

          \n
            \n
          • No elegible: Vinculadas, pendiente de reparaci\u00f3n civil al estado por corrupci\u00f3n y delitos conexos y no estar habilitado.<\/span><\/li>\n
          • Los que hayan recibido cr\u00e9dito REACTIVA o FAE-MYPE<\/span><\/li>\n
          • Los acogidos al PARC- Procedimiento Acelerado de Refinanciaci\u00f3n Concursal o solicitud en curso<\/span><\/li>\n
          • Inhabilitados por tribunal de contrataciones del estado<\/span><\/li>\n
          • Otros a establecerse en el Reglamento Operativo (MINCETUR) que tienen diez d\u00edas h\u00e1biles desde el 30 de Junio del 2020.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

            \u201cTardamos 12 a\u00f1os en construir Airbnb y lo perdimos casi todo en 6 semanas\u201d Brian Chesky, fundador de Airbnb, sobre los efectos del COVID- 19 en su empresa, cerraron locales, despidieron personas, eliminaron gastos de marketing y lanzaron productos online. Otra salida fue diversificar la estructura de ingresos, las operaciones tienen que ir de mano […]<\/p>\n","protected":false},"author":1,"featured_media":1476,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-1475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idelia-m-cristobal-lobaton"],"yoast_head":"\nManejo financiero en empresas tur\u00edsticas - UNAH ALDIA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aldia.unah.edu.pe\/?p=1475\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Manejo financiero en empresas tur\u00edsticas - UNAH ALDIA\" \/>\n<meta property=\"og:description\" content=\"\u201cTardamos 12 a\u00f1os en construir Airbnb y lo perdimos casi todo en 6 semanas\u201d Brian Chesky, fundador de Airbnb, sobre los efectos del COVID- 19 en su empresa, cerraron locales, despidieron personas, eliminaron gastos de marketing y lanzaron productos online. 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