Impact of the BCRP Interest Rate Reduction on the Price of the Dollar
The Central Reserve Bank of Peru (BCRP) has reduced the benchmark interest rate from 6% to 5.75% to stimulate the economy. This implies that loans will be cheaper and more accessible, encouraging spending and investment. However, it may also influence the value of the dollar in Peru. When the interest rate falls, investors may look […]
Risks of Financing Your Working Capital with Debt
Financing your working capital with debt can carry several risks. It increases your payment obligations, affecting cash flow. If your sales decrease or costs increase, you may have difficulty meeting debt payments. In addition, interest on loans reduces your profits. High indebtedness can limit your ability to obtain future credit and increase your financial risk. […]
Liquidity Problems in Microenterprises: Why Do They Occur?
Low Sales: Insufficient income to cover expenses and debts.Poor Cash Management: Inadequate use of available income.High Fixed Costs: High fixed costs that cannot be easily reduced.Unpaid Receivables: Customers who do not pay on time or default on their payments.Low Cash Reserves: Lack of savings or emergency funds.It is crucial for microenterprises to carefully manage their […]
Partners and Capital: Key Aspects for your Business
When looking for partners for your company, especially a closely held corporation (SAC), keep in mind these legal aspects: Term and Frequency of Contributions: There is no specific term for contributing capital. The frequency and amount of contributions are established in the agreements between partners and bylaws.Initial and Subsequent Contributions: The partners usually contribute at […]
Develop Your Business Idea Successfully: Five Key Tips
Understand the Market: Research what your target audience needs. This will help you create a product or service that really solves their problems.Offer Unique Value: Design a proposal that not only meets those needs, but also stands out from what already exists in the market.Test your Idea: Before going too far, present your concept to […]
