Solve the main operational problems of your SME

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Gerardo Trujillo C., president of the Mexican Association of Asset Management Professionals (AMGA), points out that at a national level, some of the problems that affect companies at an operational level are:

  • Lack of alignment to corporate objectives
  • Organizational silos (isolation between areas or departments)
  • Short-term vision

The manager emphasizes the importance of keeping the objectives aligned since he considers that in most of the companies maintenance (process and area) is seen as the only one responsible for the reliability of the processes and a necessary expense.

Stresses that conflicts between maintenance and purchasing areas are common. This results in fixed assets such as equipment or machinery working above their operational limit since purchases are based on price, and are not standardized.

Trujillo recommends establishing an Asset Management System (SGA), in which the different areas are aligned with the objectives of the organization. The EMS is to establish a policy and objectives to ensure the availability of resources (assets), skills, communication, documents, and information requirements to achieve the value that assets must deliver.


Design your strategy to optimize

Laura Esther Zapata Cantú, director of the MBA of EGADE Business School Monterrey, says that a good operational level, together with a strategy that optimizes resources and operations, will offer companies (especially SMEs) the level of competitiveness for highlight at the national level and escalate to international competitiveness.

To achieve this, it is necessary to focus on two points:

  1. Incorporate new strategies. These should generate competitive advantages to adapt to a dynamic environment.
  2. Use specialized consulting tools. These can be applied in the processes and key activities of the administrative management, in the identification of resources and distinctive capacities, as well as their transformation and renewal. The objective is to generate long-term value to ensure its permanence in the market.

Considers that competitiveness goes beyond improving profitability, implies having the ability to anticipate or timely face the constant changes in the environment.


Solutions for your business

The optimization of resources and equipment is essential for the proper functioning of a company. In this sense, the financial leasing offers to lighten the load to areas such as maintenance and purchases, both economic and operational.

Having a renewed team allows companies to anticipate changes that may arise in the market, such as increasing the demand for a product or service, or renewing their equipment in response to new sustainability requirements by the competent authorities.

Do you want your company to reach optimal levels of development? Lighten your financial and fiscal burden through financial leasing, which allows you to obtain the equipment, vehicles, machinery and even furniture necessary to achieve your goals.

How to access this service?

  1. Choose the supplier and the supplies you need
  2. Request a quote
  3. Present it to the landlord-along with the necessary documents-
  4. Get the machinery, vehicles or equipment necessary to raise the productivity of your SME

Bridge Payday offers the financial loan service. Check with any of our advisors about the options we have for you.

Oops, the IMF was wrong about austerity

Its effects on European economies have been underestimated, according to two economists of the institution

That austerity policies are bad for growth and jobs is now accepted by most economists. But that they are even more than we thought, this is what discovered two of them, not least: Olivier Blanchard, a French chief economist at the IMF, and Daniel Leigh, an economist in the same institution. According to them, the use of a bad calculation coefficient has led to an underestimation of the negative effects of austerity in Europe.

The two economists detail their thesis in an article published on January 3 on the IMF website, but in a section where the texts do not represent the official position of the organization. “We show that in developed economies, stronger fiscal consolidation has gone hand in hand with lower growth than expected,” they write. A natural explanation is that the tax multipliers were significantly higher than the forecasts implicitly estimated. ”

The multiplier that divides

The “multiplier” in question is the coefficient linking the evolution of public expenditures (or taxes) to the growth rate of the economy. When this coefficient is 0.5, for example, this means that one point of public expenditure less, or tax, in addition, leads to a 0.5 point decrease in activity. “There are two ways to calculate it,” says Xavier Timbeau, OFCE economist. Either by doing historical analysis, looking at the links between budget policies and activity; either by building an economic model and by studying the relationships between its different components. In both cases, they are not neutral models: their construction always contains a part of a priori, which correspond to ideologies. ”

However, according to Blanchard and Leigh, the “crisis” multiplier could be up to three times higher than the “normal” period, used until now. The two economists had already written in the very official annual report of the IMF, published in October 2012 (page 41): “Many documents, including some from the IMF, suggest that the tax multipliers used in forecasts are around 0.5. Our results indicate that these multipliers have actually been between 0.9 and 1.7 ” since the beginning of the crisis. Clearly, the impact of austerity would be, depending on the case, two to three times larger than expected.

“Until now, we have applied the multiplier of normal periods to crisis time,” says Timbeau. But in a crisis, everyone panics. People do not behave the same way and no one can anticipate the future. Moreover, if austerity is much more recessive than we thought, it also means that a stimulus policy would be much more effective than we imagine! ”

“There are two IMFs”

Blanchard and Leigh’s article has made economist Paul Krugman, 2008 Nobel economist, react. “The IMF was less enthusiastic about austerity than other big players, ” he says. his blog. If he himself says he was wrong, it means that all the others […] are even more mistaken. And he has the merit of wanting to rethink his position in light of the facts. The real bad news is that very few other actors are doing the same thing. European leaders, who have created suffering worthy of the 1929 crisis in the indebted countries without restoring financial confidence, persist in saying that the solution will come from even more suffering. ”

Do not deduce, however, that the IMF calls into question austerity in principle. How could this institution, which participated, in particular, in the development of the very severe Greek program? It is rather the intensity of the austerity policies challenged by the Fund since their effects are greater than expected. This is in line with the official position of the IMF: its Managing Director, Christine Lagarde, regularly reiterates her calls for “softer” trajectories to reduce debt.

“There are two IMF, the head, and the body, however, considers Xavier Timbeau. In Greece, he is the strongest on austerity, even more so than the Commission and the ECB. Whatever Blanchard or Lagarde say, in the field, the Fund applies the plan decided between the country and its creditors. It will take time for change to take place in the institution and in Europe. There is also the risk that he remains confined to the higher echelons of the IMF, without percolating into the field. ”

Europe seems to be moving in this direction. At the end of 2012, Greece obtained additional time from its creditors. And if the French government stubbornly clings to its target of 3% budget deficit for 2013, which it is the only one to believe, this is despite the advice of the IMF and Brussels, who now advocate a “softer adjustment” “for the Old Continent. After spinning.

Several Vocabulary Basics For Fx Trading

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Forex trading is far more or less a game regarding hit-and-miss. But, of course, you need to make as many hits as is possible for you. As trends might be fickle, it is very important than which you have a plan as you enter the associated with Forex. But is investing really for you? You should know above all what foreign exchange is all about.

The precious metal has been the currency associated with nations long before fiat cash such as the greenback was presented. As commodity money, the cost of gold coins depended on the quantity of gold they actually included. Now that the ‘gold standard’ has been removed, no precious metal can be redeemed for lawful tender. The use of gold has become limited to circuits in consumer electronics and jewelry. Centuries back, to control international transactions plus establish stable forex exchange rate, the precious metal was used as one standard. Today the average guy recognizes only the dollar costs and the checking account as cash.

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People choose to enter gold trading because it is simpler to predict the fluctuations associated with gold than it is for that many currencies are part of the forex foreign exchange rates market. The cost of gold does not fluctuate just as much as the value of currencies.

The secret to becoming wealthy is to have your money spending so much time with you. In the Forex market, you are able to let your money work a lot harder than you! It is far from uncommon for people to make their own money earn them from 60% to 120% (or more) returns per year!

There is a lot of suggestions out there about succeeding inside forex market. Some of the advice tremendous and some of it is awful. Make sure to learn for yourself this ins and outs of forex trading in order to be prepared to see what ideas you should take and what it is best to leave behind.

How To Buy A Luxury Automobile

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Begin to think of what you wish to give your customers to be holiday gifts. You might want to consider something an individual create or a thing you grow. Preparing and starting right now will put your approach ahead of the holiday run and spreading the fee over several months surpasses one big end-of-the-year expense. (I develop narcissus bulbs throughout inexpensive pots plus they are always a great gift).

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