El objetivo del estudio es explicar la conducta financiera de las personas que no tienen cuenta de ahorro formal. El método de medición es el modelo logístico multinomial que se aplica a datos de la Encuesta Nacional de Inclusión Financiera del 2015. La aplicación del modelo responde a la naturaleza de la variable de respuesta que es categórica y no tiene un orden de importancia. Las principales variables que caracterizan a las personas que no ahorran en el sistema financiero formal son: nivel de educación, localidad, registro de gasto, edad y sexo.

Scholars have increasingly recognized how efforts among business schools to attain or maintain accreditation from external agencies (i.e. Association of Advance Collegiate Schools of Business [AACSB]) have engendered myriad consequences on the experiences of academic faculty members.

The purpose of this article is to demonstrate the utility of a mixed methods approach in the examination of one of the best‑known success factors of small and medium‑sized enterprises (SMEs): their structural flexibility (SF), and how this is related to their organisational life cycle (OLC). Previous research has proposed five factors to explain SF in large and medium‑sized organisations. By adopting an explanatory sequential design, this study demonstrates why a mono‑method approach is insufficient to explain this model when put into operation in SMEs.

This paper presents a modification of the Multi Depot Multi Period Vehicle Routing Problem with heterogeneous fleet (MDMPVRPHF) to consider capital expenditures and operating expenses (MDMPVRPHFMR). The aim is to design a product distribution network and minimize the total delivery cost. The MDMPVRPHF only considers transportation costs with transportation restrictions. In this paper, the purpose is to solve a real'life freight distribution problem that considers capital expenditures and operation expenses.