https://ensayos.uanl.mx/index.php/ensayos/issue/feed Ensayos Revista de Economía 2022-05-19T00:34:55-05:00 Dr. Edgar M. Luna Domínguez ensayos@uanl.mx Open Journal Systems <div id="MathJax_Message" style="display: none;"> </div> <p>Ensayos Revista de Economía (Ensayos Journal of Economics) is a specialized journal that publishes original research papers of highly academic rigor in the fields of economics, statistics, and social science. The journal is published semiannually in May and November, its full content is open access. We don't charge any fees for submitting or processing the articles. The peer-review process is double-blinded. We adhere to the COPE ethical code of conduct.</p> https://ensayos.uanl.mx/index.php/ensayos/article/view/231 Modelo de puntuación crediticia para tarjeta de crédito en México: una aproximación logística 2022-05-19T00:34:55-05:00 Marco Antonio Reyes Morales marco_antonio1125@hotmail.com Miriam Sosa msosac87@hotmail.com <p>Credit risk is one of the main concerns of the financial institutions and supervision and regulation organisms. Thus, it is proposed a credit scoring model based on logit approach to analyze the default risk for a credit card portfolio in a Mexican financial institution. Findings show that the model proposed has a high level of prediction and stability, in and out of the sample. The monotonicity property evidences that the model has a high level of precision. The originality lies in the fact that, there is scarce literature on credit scoring models for Mexico. &nbsp;Results of the model are highly accurate in terms of predictability and the evidence is presented in a scoring table that is easy to interpret for all bank employees. We conclude that the model is reliable and highly accurate.</p> 2022-05-18T00:00:00-05:00 Copyright (c) 2022 Marco Antonio Reyes Morales, Miriam Sosa https://ensayos.uanl.mx/index.php/ensayos/article/view/184 Impacto del riesgo-país en la inversión extranjera directa en México 2022-05-03T00:04:56-05:00 Héctor Paulino Elizalde Guzmán elizalde.hector@colpos.mx Miguel Angel Martinez Damian angel01@colpos.mx Jose de Jesus Arana Coronado jarana@colpos.mx Martha Elva Ramirez Guzman martharg@colpos.mx <div><span lang="ES">Un mayor flujo de inversión extranjera directa (IED) en México puede servir de financiamiento para la fabricación de bienes y servicios que contribuyan al crecimiento económico; sin embargo, los inversionistas enfrentan riesgos que pueden llevarlos a bajos niveles de ganancias o incluso pérdidas. A través de un modelo de transferencia, este documento tiene como objetivo revelar la relación entre el Índice de Riesgo-País (IRP) y la IED en México, y con ello </span><span lang="ES-MX">contribuir al conocimiento sobre el comportamiento de los capitales extranjeros</span><span lang="ES">. Los resultados confirmaron la relación inversa entre estas variables; así mismo, la función de correlación cruzada indica que el IRP tiene un efecto retardado cuatro trimestres sobre la IED.</span></div> <div><span lang="ES-MX"> Por tanto, si este país quiere colocarse como una alternativa viable para los capitales extranjeros y beneficiarse de las inversiones a largo plazo, se deberán implementar políticas que lo coloquen como una economía de bajos índices de riesgo.</span></div> <div> </div> <div><span lang="ES-MX">Abstract</span></div> <div> </div> <div> <p style="font-weight: 400;">A greater flow of foreign direct investment (FDI) in Mexico can serve as financing for the manufacture of goods and services that contribute to economic growth; however, investors face risks that can lead to low levels of profits or even losses. Through a transfer model, this document aims to reveal the relationship between the Country Risk Index (IRP) and FDI in Mexico, and thereby contribute to knowledge about the behavior of foreign capital. The results confirmed the inverse relationship between these variables; Likewise, the cross-correlation function indicates that the IRP has a lagged effect of four quarters on FDI. Therefore, if this country wants to position itself as a viable alternative for foreign capital and benefit from long-term investments, policies that place it as a low-risk economy should be implemented.</p> </div> <div> </div> <p> </p> 2022-05-02T00:00:00-05:00 Copyright (c) 2021 Héctor Paulino Elizalde Guzmán, Miguel Angel Martinez Damian, Jose de Jesus Arana Coronado, Martha Elva Ramirez Guzman