<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2448-7678</journal-id>
<journal-title><![CDATA[Investigación administrativa]]></journal-title>
<abbrev-journal-title><![CDATA[Investig. adm.]]></abbrev-journal-title>
<issn>2448-7678</issn>
<publisher>
<publisher-name><![CDATA[Instituto Politécnico Nacional, Escuela Superior de Comercio y Administración]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-76782016000100005</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Financial Companies Regulated of Multiple Purpose in Mexico; an Alternative Model to Manage the Probability of Default of Revolving Loans]]></article-title>
<article-title xml:lang="es"><![CDATA[Empresas financieras reguladas en objetos múltiples en México; un modelo alternativo para gestionar la probabilidad de incumplimiento en créditos revolventes]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Trejo García]]></surname>
<given-names><![CDATA[José Carlos]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Martínez García]]></surname>
<given-names><![CDATA[Miguel Ángel]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Carrillo García]]></surname>
<given-names><![CDATA[Mayra Daniela]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Politécnico Nacional Escuela Superior de Economía ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Instituto Politécnico Nacional Escuela Superior de Economía ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Instituto Politécnico Nacional Escuela Superior de Economía ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2016</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2016</year>
</pub-date>
<volume>45</volume>
<numero>117</numero>
<fpage>0</fpage>
<lpage>0</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-76782016000100005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-76782016000100005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-76782016000100005&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This research suggests a particular probability of default model to Micro&#64257;nances Regulated in Mexico (SOFOM ER), based on the use of own mixed variables (continuous and dichotomous) according to the credit behavior and the optimization by maximum likelihood. Financial indicators such as savings, assets and pro&#64257;ts were used nationwide to rea&#64259;rm an implementation of new and more pro&#64257;table model in the sector of Mexico, indicating a yield of about 4% with the optimized credit model. Within the limitations of the research lies the lack of robust information and free consultation, due to bank secrecy in Mexico.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En esta investigación se propone un modelo de probabilidad de incumplimiento particular para las Micro&#64257;nancieras reguladas en México (SOFOM E.R.), con base en el uso de variables mixtas (continuas y dicotómicas) propias del comportamiento del propio crédito y el uso de un modelo crediticio optimizado por máxima verosimilitud. Indicadores &#64257;nancieros como ahorro, activos y utilidades, fueron utilizados a nivel nacional para rea&#64257;rmar una implementación de nuevo modelo inmediato y rentable en el sector de México, indicando un rendimiento de 4% aproximadamente con el modelo crediticio optimizado. Dentro de las limitaciones de la investigación radica la falta de información robusta y libre de consulta, debido al secreto bancario en México.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[econometric methods]]></kwd>
<kwd lng="en"><![CDATA[estimation models]]></kwd>
<kwd lng="en"><![CDATA[optimization techniques]]></kwd>
<kwd lng="en"><![CDATA[banks and credit]]></kwd>
<kwd lng="es"><![CDATA[métodos econométricos]]></kwd>
<kwd lng="es"><![CDATA[modelos de estimación]]></kwd>
<kwd lng="es"><![CDATA[técnicas de optimización]]></kwd>
<kwd lng="es"><![CDATA[crédito y banca]]></kwd>
</kwd-group>
</article-meta>
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