Edition 37, Strategy

Business Model or Business Plan?

By: Daniela Ruiz

The successful performance of a new company depends on many factors, among them the design of the product or service, the structural costs and expenses, definition of a financial plan, the structure and competitive climate of the industry, the characteristics of the entrepreneur, and the definition of a business model and strategies to be followed. This article will focus on the importance of defining a business model for value creation and the relationship that model has with the development of the company’s strategies.

Normally, entrepreneurs limit themselves to preparing a business plan. In recent years, however, the concept of business model has become increasingly popular. The emergence of innovative ways of doing business has forced entrepreneurs to reflect more deeply on the design of an innovative and sustainable model that will generate value for their customers, society and their investors.

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Edition 37, Finance

Contribution of Mexican Development Banks to Bank Financing For Private Enterprise

By: Dr. Marco Alberto Huidobro

For decades, the governments of many countries have explored different ways to improve companies’ access to bank credit. In Mexico, one of the most popular strategies has been government participation in the credit market in order to channel financial resources from government-run development banks and promotion trusts to private companies.

But for years, there have also been questions about the role that government financial institutions play in promoting access to credit for private companies; some believe, for example, that their actions benefit primarily state-owned companies themselves, or that they do not share information that would encourage more lending by private banks. There even seems to be a lack of evidence that they encourage private banks to seek out new clients.

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Edition 37, Marketing

You Can Sell Through the Nose, Too

By: Carlos Mondragón

In order to survive, human beings must be capable of carrying out three related activities: sensing events (also called stimulation), assessing the stimulus, and responding to that stimulus. An environmental stimulus is some feature of the environment that alerts the senses–for example, the colors of a stoplight, the smell of smoke or the sound of an ambulance siren–and provokes a response. The stimulus is in turn detected by receptors, which are specialized cells in the nervous system sensitive to these stimuli. When receptors are activated, the person experiences one or more sensations, which are basic aspects of perception.

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