BLANCO OLIVER , Antonio Jesús

This paper analyzes the impact of the banking system reform implemented through the banking consolidation (mergers and acquisitions) carried out in Spain to address the collapse of savings banks. The 2008 global financial crisis triggered a sovereign debt crisis in Europe and the burst of a real estate bubble in Spain, and forced a government...

No existe consenso sobre la idoneidad de la implementación de los modelos de credit scoring para evaluar la solvencia del solicitante de un microcrédito. En este trabajo, se propone una metodología que permite decidir, a priori, en función del enfoque estratégico que tenga una Institución Microfi nanciera (IMF), si le sería útil o no dicha...

Analizar los factores que influyen en la sostenibilidad es clave para llegar a alcanzarla. En base a la Teoría de los Recursos y las Capacidades (Grant, 1991), desarrollamos un modelo de gestión que determina los factores explicativos de la sostenibilidad de las instituciones microfinancieras (IMF). El modelo empírico se desarrolla aplicando...

Agency theory posits that the profit orientation of firms influences their social and organisational performance. However, due to the extensive heterogeneity of lending organisations operating in the microfinance industry, there is no general agreement in the literature on how profit orientation affects social and organisational outcomes of...

This study explores the role played by gender in lending trans-actions and specifically its effects on the loan portfolio credit risk of microfinance institutions (MFIs). Using a multicountry data set of developing countries, where MFIs mainly operate, the analy-sis shows that a higher proportion of female loan officers increases ...

The use of non-parametric methodologies, the introduction of non-financial variables, and the development of models geared towards the homogeneous characteristics of corporate sub-populations have recently experienced a surge of interest in the bankruptcy literature. However, no research on default prediction has yet focused on...

Malgré le rôle important que joue le micro-entreprenariat dans le développement économique, et le taux élevé d'échec des nouvelles micro-entreprises dans leurs premières années d'existence, très peu d'études ont élaboré un modèle pour détecter les difficultés financières des micro-entrepreneurs. De plus, étant donné l'absence de travaux de...

This paper aims to predict the relationship quality (satisfaction, trust, and commitment) of a customer with a Spanish saving bank by using both the quality of service operations and the usage of e-banking, on the relationship quality (satisfaction, trust, and commitment) of a customer with a Spanish saving bank. A competitive strategy follows...

Following the calls from literature on bankruptcy, a parsimonious hybrid bankruptcy model is developed in this paper by combining parametric and non-parametric approaches.To this end, the variables with the highest predictive power to detect bankruptcy are selected using logistic regression (LR). Subsequently, alternative non-parametric...

La importancia de las micro-entities como generadoras de empleo y propulsoras de la actividad económica conlleva, unida a sus mayores tasas de quiebra y a su dificultad para acceder a las fuentes de financiación, la necesidad de dise~nar métodos apropiados que anticipen sus quiebras. Con este fin, en este trabajo se desarrolla un modelo híbrido...

La pequeña y mediana empresa es uno de los principales motores de las economías europeas. De entre ellas, un alto porcentaje son microempresas las cuales generan la mayor parte del empleo. En la actualidad este segmento empresarial está sufriendo en mayor medida la situación de crisis financiera, con la consecuente elevación de la tasa de...

The use of non-parametric statistical methods, the development of models geared towards the homogeneous characteristics of corporate sub-populations, and the introduction of non-financial variables, are three main issues analysed in this paper. This study compares the predictive performance of a non-parametric methodology,...

Las microempresas (MEs) representan más del 75% del tejido empresarial de la Unión Europea, acaparando más del 30% del empleo. No obstante, desde el inicio de la crisis económica en el año 2008, este segmento empresarial viene sufriendo elevadas tasas de quiebras y cierres empresariales, destruyéndose numerosos puestos de trabajo. La ...

Public sector organisations often make use of management consultants in policy implementation, but we know little about the outcomes. The paper reports one of the first quantitative evaluations of the impact of consulting advice on efficiency of public sector organisations. We employ an extensive dataset covering English NHS acute care hospital...

Financial intermediation theory posits that a smaller loan size triggers a higher cost per dollar lent. This leads to question whether microfinance can become a self-sustainable industry. Hence, in microfinance innovations like loans without collateral, progressive loans, solidarity groups and relational lending are employed to reduce...

The growing use of external management consultancy services by public sector organizations has generated controversy. Some claim that users have become overreliant on, or even addicted to, this source of knowledge. However, our understanding of this phenomenon and the precise nature of its risks is underdeveloped. In this article, we address...

Increasing operational efficiency is an objective relevant for all institutions, but it is essential in public entities and even more in public health systems because of the number of resources they consume and their impact on general welfare. This research analyses the effect that CEOs' gender has on the operational efficiency of the entities...

Este trabajo recoge la experiencia de tres profesores noveles y una profesora mentora tras su participación en el proyecto "Formación del Profesorado Novel", organizado por el Instituto de Ciencias de la Educación (ICE) de la Universidad de Sevilla durante el curso académico 2011-2012. La incorporación de las redes sociales a la metodología...