{"id":18363,"date":"2023-03-16T12:00:24","date_gmt":"2023-03-16T11:00:24","guid":{"rendered":"https:\/\/www.upo.es\/formacionpermanente\/?post_type=cursos_de_verano&#038;p=18363"},"modified":"2024-01-30T13:19:02","modified_gmt":"2024-01-30T12:19:02","slug":"retos-y-oportunidades-del-sistema-de-garantias-en-la-financiacion-de-pymes-y-autonomos","status":"publish","type":"cursos_de_verano","link":"https:\/\/www.upo.es\/formacionpermanente\/cursos-de-verano\/retos-y-oportunidades-del-sistema-de-garantias-en-la-financiacion-de-pymes-y-autonomos\/","title":{"rendered":"Retos y oportunidades del sistema de garant\u00edas en la financiaci\u00f3n de pymes y aut\u00f3nomos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"18363\" class=\"elementor elementor-18363\" data-elementor-post-type=\"cursos_de_verano\">\n\t\t\t\t\t\t<section data-dce-background-image-url=\"https:\/\/www.upo.es\/formacionpermanente\/wp-content\/imagenes\/uploads\/2023\/03\/2023cc17-imagen-destacada-1.jpeg\" class=\"elementor-section elementor-top-section elementor-element elementor-element-43531b80 elementor-section-full_width elementor-section-height-min-height elementor-section-content-middle elementor-section-height-default elementor-section-items-middle\" data-id=\"43531b80\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ced903e\" data-id=\"3ced903e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b429593 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b429593\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div data-dce-background-color=\"#00335B\" class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-24fbdc66\" data-id=\"24fbdc66\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-dce-title-color=\"#FAB54C\" class=\"elementor-element elementor-element-3f313949 elementor-widget elementor-widget-heading\" data-id=\"3f313949\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cursos de Verano - Olavide en Carmona<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-20eb9214 elementor-widget elementor-widget-heading\" data-id=\"20eb9214\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Retos y oportunidades del sistema de garant\u00edas en la financiaci\u00f3n de pymes y aut\u00f3nomos<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6bd36e3\" data-id=\"6bd36e3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#00335B\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4e2dffb0 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"4e2dffb0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-2f67e454\" data-id=\"2f67e454\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18469698 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"18469698\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-shrink\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-users\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-1528e164 elementor-widget elementor-widget-heading\" data-id=\"1528e164\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Modalidad Presencial<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-1fb216e5\" data-id=\"1fb216e5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37f85e09 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"37f85e09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-shrink\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-7f634b8e elementor-widget elementor-widget-heading\" data-id=\"7f634b8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">05\/07\/2023<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-60bfdd14\" data-id=\"60bfdd14\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28e75cd0 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"28e75cd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-shrink\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-university\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-23ed0f1d elementor-widget elementor-widget-heading\" data-id=\"23ed0f1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1 ECTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-2ca7af32 elementor-widget elementor-widget-heading\" data-id=\"2ca7af32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7.5 horas de docencia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-3f274f88\" data-id=\"3f274f88\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-13acb678 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13acb678\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7a7e9c3\" data-id=\"7a7e9c3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6aa0a834 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6aa0a834\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-shrink\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-euro-sign\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-1fdd1eed elementor-widget elementor-widget-heading\" data-id=\"1fdd1eed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50,00 \u20ac<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1390139 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1390139\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f28e149\" data-id=\"f28e149\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee8531f elementor-widget elementor-widget-image\" data-id=\"ee8531f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"189\" src=\"https:\/\/www.upo.es\/formacionpermanente\/wp-content\/imagenes\/uploads\/2023\/03\/cursos-de-verano-cabecera-web-1-1024x189.png\" class=\"attachment-large size-large wp-image-20518\" alt=\"\" srcset=\"https:\/\/www.upo.es\/formacionpermanente\/wp-content\/imagenes\/uploads\/2023\/03\/cursos-de-verano-cabecera-web-1-1024x189.png 1024w, https:\/\/www.upo.es\/formacionpermanente\/wp-content\/imagenes\/uploads\/2023\/03\/cursos-de-verano-cabecera-web-1-300x55.png 300w, https:\/\/www.upo.es\/formacionpermanente\/wp-content\/imagenes\/uploads\/2023\/03\/cursos-de-verano-cabecera-web-1-768x142.png 768w, https:\/\/www.upo.es\/formacionpermanente\/wp-content\/imagenes\/uploads\/2023\/03\/cursos-de-verano-cabecera-web-1-1536x283.png 1536w, https:\/\/www.upo.es\/formacionpermanente\/wp-content\/imagenes\/uploads\/2023\/03\/cursos-de-verano-cabecera-web-1.png 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30b353fb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30b353fb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3496f83c\" data-id=\"3496f83c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32370192 elementor-widget elementor-widget-heading\" data-id=\"32370192\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Resumen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76fe5ec7 elementor-widget elementor-widget-text-editor\" data-id=\"76fe5ec7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La financiaci\u00f3n, tanto de la peque\u00f1a y mediana empresa (PYME), como de los aut\u00f3nomos, supone una constante preocupaci\u00f3n no s\u00f3lo para las autoridades econ\u00f3micas de nuestro pa\u00eds, sino tambi\u00e9n para la UE y los principales organismos internacionales (FMI, OCDE, etc.), habida cuenta que representan una parte muy importante en la generaci\u00f3n de empleo.<\/p><p>Entre los obst\u00e1culos m\u00e1s importantes que las empresas de menor tama\u00f1o se\u00f1alan en su financiaci\u00f3n se encuentran la falta de garant\u00edas solicitadas (personales, avales, etc.), el precio de la financiaci\u00f3n (altos tipos de inter\u00e9s y otros costes), o la falta de comprensi\u00f3n de las entidades financieras de su negocio. Adem\u00e1s, la mayor\u00eda de PYMEs no obtienen el 100% de la financiaci\u00f3n solicitada, y sigue representando un porcentaje importante las que se\u00f1alan que los plazos de devoluci\u00f3n del cr\u00e9dito son inferiores a los deseados.\u00a0<\/p><p>En este contexto, el sistema de garant\u00edas se presenta como un instrumento de colaboraci\u00f3n p\u00fablico-privada muy eficaz, que ayuda a solventar buena parte de los problemas antes rese\u00f1ados. Articulado en base a un modelo de sociedades de car\u00e1cter mutualista (sociedades de garant\u00eda rec\u00edproca o SGRs), donde el empresario asume un importante papel en la gesti\u00f3n de la entidad, junto con el apoyo financiero de la Administraci\u00f3n P\u00fablica, los sistemas de garant\u00eda buscan mejorar el acceso a la financiaci\u00f3n de PYMEs y aut\u00f3nomos mediante el aval, completo o en parte, del cr\u00e9dito bancario. Adem\u00e1s, las SGRs prestan a la PYME una amplia gama de servicios complementarios, mejores condiciones, refinanciaci\u00f3n del pasivo, prestaci\u00f3n de avales t\u00e9cnicos, servicios de informaci\u00f3n y asesoramiento, etc.).\u00a0<\/p><p>El objetivo de este curso de verano es servir de foro de debate, discusi\u00f3n y transmisi\u00f3n de conocimiento de los problemas de financiaci\u00f3n a los que se enfrentan PYMEs y aut\u00f3nomos y la alternativa que les ofrece el sistema de garant\u00edas. Para ello, cuenta con la participaci\u00f3n de algunos de los profesionales m\u00e1s destacados del sector, que ofrecer\u00e1n su visi\u00f3n del sistema de garant\u00edas, as\u00ed como de los retos y oportunidades a los que \u00e9ste se enfrenta en el futuro pr\u00f3ximo. Busca, igualmente, la participaci\u00f3n activa del alumnado, propiciando el debate y la discusi\u00f3n de ideas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e11afba elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e11afba\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-afe8015\" data-id=\"afe8015\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02b52f3 elementor-widget elementor-widget-heading\" data-id=\"02b52f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Direcci\u00f3n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f775ae5 elementor-widget elementor-widget-text-editor\" data-id=\"6f775ae5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>\n<p>Prof. Dr. D. Antonio Trujillo Ponce. Departamento de Econom\u00eda Financiera y Contabilidad. Universidad Pablo de Olavide.<\/p>\n<\/li>\n<li>\n<p><span style=\"background-color: var(--ast-global-color-5); color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-style: inherit; font-weight: inherit;\">D. Antonio Vega P\u00e9rez. Director general de Gar\u00e1ntia SGR.<\/span><\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f26c7b8 elementor-widget elementor-widget-heading\" data-id=\"7f26c7b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Coordinaci\u00f3n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e933eb1 elementor-widget elementor-widget-text-editor\" data-id=\"e933eb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><p>Profa. Dra. D\u00f1a. Mar\u00eda Soledad Campos Lucena. Departamento de\u00a0<span style=\"font-style: inherit; font-weight: inherit; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; background-color: var(--ast-global-color-5);\">Econom\u00eda Financiera y Contabilidad. Universidad de Sevilla.<\/span><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7b38e5bd\" data-id=\"7b38e5bd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-124cb76a elementor-widget elementor-widget-heading\" data-id=\"124cb76a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perfil del estudiante<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b97a6bd elementor-widget elementor-widget-text-editor\" data-id=\"3b97a6bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El curso est\u00e1 dirigido a estudiantes y egresados en las \u00e1reas de administraci\u00f3n y direcci\u00f3n de empresas, econom\u00eda, finanzas y contabilidad. Profesionales del sector financiero. Emprendedores aut\u00f3nomos y empresarios. T\u00e9cnicos de la Administraci\u00f3n P\u00fablica. 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