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La presente investigación tiene como finalidad el análisis del sector financiero, con énfasis en la financiera MAPRIF S.A. Siendo las financieras una de las principales captadoras de recursos financieros para luego otorgar créditos al público en general. El objetivo de dicha investigación es analizar el comportamiento de la cartera crediticia de la financiera MAPRIF S.A, de manera a entender las políticas de recuperación de crédito entre el periodo de 2018-2021. Esta investigación se realizará principalmente por ser un requisito para optar al título de licenciatura en Banca y Finanzas. La investigación está caracterizada con una metodología mixta con el objetivo de realizar un análisis más íntegro del comportamiento de la estructura de crédito, políticas, riesgos y recuperación de la cartera, en un periodo de tiempo específico de cuatro años siendo una investigación retrospectiva, con un reforzamiento del método cualitativo con lineamiento cuantitativo para una mayor comprensión en la interpretación de los resultados. MAPRIF es una de las entidades financieras de capital propio con más de 20 sucursales a través de todo el territorio nacional, ofertando una amplia de red créditos y servicios para la población en general. Dicho análisis es para saber que tan rentable ha sido la cartera de dicha financiera en el periodo establecido. Como resultado tenemos que en Nicaragua el comercio se ha diversificado principalmente en pequeñas y medianas empresas que han aportado a sus dueños grandes beneficios, por ello las empresas quieren invertir en proyectos a largo plazo y disminuir su riesgo en la inversión, es necesario que realicen evaluaciones de la situación presente y como afectara en un futuro la toma de decisiones a los inversionistas y la empresa. Palabras Claves: Finanzas, crédito, financieras, políticas crediticias, recuperación de cartera.

Using quantitative and qualitative data from studies in New England and Puerto Rico, we compare the chronic pain experiences of Anglo-Americans and native Puerto Ricans. We also compare adaptation to chronic pain between and within these two groups. Positive adaptation is defined as the process of adjustment in behavior and attitudes which facilitates resumption and continuation of a life defined by the subject as meaningful and worthwhile. Our case studies and quantitative analyses demonstrate that successful adaptation is associated with a reduction in depression, tension, and worry; and the realistic continuation of family, social, and work roles. Our analyses also demonstrate that the factors most often associated with adaptation are cultural (meanings and standards), psychosocial (social support, age, socioeconomic status, psychological coping style), the cultural context of care (providers' world views), and the political and economic circumstances under which compensation and rehabilitation are sought. Our quantitative analyses show significant inter- and intra-cultural group differences in pain intensity and emotional responses to the pain. However, despite higher pain intensity and more emotional responses among Puerto Ricans, there was no significant difference between the two groups regarding interference in daily activities. The two groups simply appear to experience chronic pain differently. We propose that the difference is not positive or negative in itself--it is simply a different reality which should be evaluated from an emic perspective and not through the cultural lens of the outside provider or researcher. Intra-group analyses are essential because they provide insight into the standards, norms, and variations within specific cultural groups.

Using quantitative and qualitative data from studies in New England and Puerto Rico, we compare the chronic pain experiences of Anglo-Americans and native Puerto Ricans. We also compare adaptation to chronic pain between and within these two groups. Positive adaptation is defined as the process of adjustment in behavior and attitudes which facilitates resumption and continuation of a life defined by the subject as meaningful and worthwhile. Our case studies and quantitative analyses demonstrate that successful adaptation is associated with a reduction in depression, tension, and worry; and the realistic continuation of family, social, and work roles. Our analyses also demonstrate that the factors most often associated with adaptation are cultural (meanings and standards), psychosocial (social support, age, socioeconomic status, psychological coping style), the cultural context of care (providers' world views), and the political and economic circumstances under which compensation and rehabilitation are sought. Our quantitative analyses show significant inter- and intra-cultural group differences in pain intensity and emotional responses to the pain. However, despite higher pain intensity and more emotional responses among Puerto Ricans, there was no significant difference between the two groups regarding interference in daily activities. The two groups simply appear to experience chronic pain differently. We propose that the difference is not positive or negative in itself--it is simply a different reality which should be evaluated from an emic perspective and not through the cultural lens of the outside provider or researcher. Intra-group analyses are essential because they provide insight into the standards, norms, and variations within specific cultural groups.