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TALLER

PRESTAMOS GOTA A GOTA

PRESENTADO POR

MARIA NATALY RINCON

HENRY ALEXANDER URREGO

CAROLINA GUATIVA

PABLO ANDRES PARRADO

DOCENTE

ALEJANDRO OBANDO BASTIDAS

UNIVERSIDAD COOPERATIVA DE COLOMBIA

ADMINISTRACION DE EMPRESAS

ESTADISTICA DESCRIPTIVA
2017

INTRODUCCION

La presente investigacin se basa sobre los prstamos en crditos por los llamados GOTA

A GOTA que requieren los microempresarios en la Ciudad de Villavicencio, lo cual se

identificara los montos, los intereses, cantidad de personas encuestadas, y el rango en edad

de los anteriores, llevndose a cabo un proceso estadstico para determinar diferentes

causas que los con llevan a esto.

De acuerdo a la investigacin realizada y l trabajo estadstico, en el desarrollo del trabajo se

puede identificar que las personas que acceden este tipo de crditos es por estricta

necesidad, y que a su vez se ven obligados a pagar una alta tasa de inters, ya que estas

personas se aprovechan de cierta forma de esta necesidad.

De tal forma es de gran importancia que las entidades bancarias ofrezcan algn servicio o

figura de prstamos a microempresarios ya sea que estn en su momento reportados por

deudas a costa de terceros o por mal entendidos, el cual son factores principales en los que

las personas se reflejan reportadas y pierden el acceso a crditos bancarios con una menos

tasa de inters.
PLANTEAMIENTO DEL PROBLEMA

Los prestamos gota a gota son un sistema utilizado por un gran nmero de personas que

usan este sistema para financiarse en determinado momento, sin embargo, es necesario

mencionar que los intereses cobrados por estos prestamistas son extorsivos y sus mtodos

de cobranza pueden llegar a ser poco ortodoxos... por estos motivos en algunos casos

pueden representar una amenaza a la sociedad.


MATRIZ GOTA A GOTA Se encuestaron a 156 personas

N EDA INTER FORMACI


CANTIDAD MOTIVO SENTIMIENTO
o. D ES ON
300.000,
22 3 DEUDAS ESTRS 1
1 00
400.000,
23 4 DEUDAS ESTRS 4
2 00
600.000,
18 4.5 NEGOCIO ABURIMIENTO 1
3 00
700.000,
40 4.5 DEUDAS ESTRS 2
4 00
300.000,
32 3 GASTOS PERSONALES TRISTE 2
5 00
300.000,
28 3 DEUDAS ESTRS 1
6 00
500.000,
25 4 DEUDAS ABURIMIENTO 2
7 00
8 30 450.000, 4 GASTOS PERSONALES TRISTE 2
00
650.000,
22 4 NEGOCIO ESTRS 1
9 00
700.000,
33 4.5 NEGOCIO ABURIMIENTO 4
10 00
3.000.000,
26 10 DEUDAS PREOCUPACION 4
11 00
1.000.000,
28 5 NEGOCIO TRISTE 1
12 00
2.200.000,
24 10 PRESTAMOS ANGUSTIA 1
13 00
3.500.000, DESESPERACIO
30 10 DEUDAS 1
14 00 N
1.500.000,
33 10 DEUDAS PREOCUPACION 4
15 00
800.000,
28 8 DEUDAS TRISTE 1
16 00
1.100.000,
29 15 NEGOCIO PREOCUPACION 4
17 00
500.000,
34 8 DEUDAS PREOCUPACION 3
18 00
2.300.000,
30 7 INVERTIR ANGUSTIA 4
19 00
3.150.000,
23 5 NEGOCIO ABURRIDO 5
20 00
1.200.000,
31 10 INVERTIR TRISTE 2
21 00
900.000,
25 10 DEUDAS ANGUSTIA 6
22 00
5.000.000,
40 15 NEGOCIO ALEGRIA 6
23 00
400.000,
37 10 DEUDAS ABURRIDO 1
24 00
2.500.000,
28 7 DEUDAS ANGUSTIA 4
25 00
300.000,
18 10 Urgencia Ninguno 4
26 00
600.000,
24 10 Deudas ANGUSTIA 3
27 00
100.000,
21 5 Deuda Ninguno 3
28 00
200.000,
32 10 Emergencia mam Angustia 2
29 00
1.000.000,
37 10 Mal negocio Nervios 4
30 00
300.000,
23 20 Urgencia Ninguno 4
31 00
150.000,
42 20 Deudas Miedo 3
32 00
500.000,
30 20 Deudas Desespero 3
33 00
400.000,
27 10 Emergencia Ninguno 4
34 00
800.000,
45 10 Deudas Ninguno 3
35 00
300.000,
40 10 TRABAJAR AGRADECIDO 2
36 00
400.000,
45 10 UNIFORME COLEGIO NORMAL 2
37 00
650.000,
38 10 TRABAJAR AGRADECIDO 1
38 00
200.000,
42 10 TRABAJAR AGRADECIDO 1
39 00
200.000,
48 10 TRABAJAR AGRADECIDO 1
40 00
350.000,
50 10 TRABAJAR AGRADECIDO 1
41 00
450.000, FALTO PARA
32 10 DESESPERADO 3
42 00 ARRIENDO
1.500.000,
28 5 ESTUDIO NORMAL 3
43 00
1.000.000,
26 5 ESTUDIO NORMAL 3
44 00
700.000, PAGAR OTRAS
37 10 ESTRESADO 2
45 00 DEUDAS
600.000,
55 10 TRABAJAR ESTRESADO 2
46 00
320.000, SERVICIOS
28 10 ABURRIDO 3
47 00 DOMESTICOS
800.000,
50 10 TRABAJAR RESIGNADO 1
48 00
500.000,
50 10 TRABAJAR RESIGNADO 1
49 00
500.000,
50 10 TRABAJAR RESIGNADO 1
50 00
1.000.000,
36 5 VIAJAR CALAMIDAD NERVIOSO 2
51 00
100.000,
22 10 ESPARCIMIENTO FDS CONTENTO 3
52 00
550.000,
45 10 TRABAJAR AGRADECIDO 1
53 00
380.000,
44 10 TRABAJAR AGRADECIDO 1
54 00
400.000,
39 10 TRABAJAR NORMAL 2
55 00
400.000,
33 10 culebras miedo 2
56 00
57 29 500.000, 20 inversin preocupacin 2
00
250.000,
24 10 arriendo miedo 2
58 00
800.000,
35 20 mercanca vergenza 1
59 00
750.000,
37 20 mercanca miedo 1
60 00
360.000,
45 10 culebras miedo 1
61 00
1.000.000,
45 25 inversin miedo 2
62 00
200.000,
23 10 culebras vergenza 3
63 00
340.000,
34 10 arriendo preocupacin 4
64 00
600.000,
35 20 mercanca preocupacin 3
65 00
400.000,
28 20 culebras preocupacin 2
66 00
500.000,
40 20 inversin miedo 2
67 00
1.000.000,
25 15 Deudas Preocupada 5
68 00
500.000,
27 20 Necesidad Estresado 1
69 00
800.000,
27 20 Deudas Aburrida 4
70 00
400.000,
32 20 Necesidad Preocupado 2
71 00
500.000,
29 20 Sueldo atrasado Preocupado 4
72 00
700.000,
49 15 Deudas Aburrido 5
73 00
350.000,
23 20 Sueldo atrasado Aburrida 5
74 00
500.000,
19 15 Estudios Preocupada 4
75 00
400.000,
37 20 Hogar Estresada 4
76 00
800.000,
40 15 Negocio espectante 5
77 00
COMPLETAR RESPONSABILID
40 $ 120.000 20 3
78 ARRENDO AD
79 35 $ 300.000 20 DEUDAS TRISTEZA 4
ARREPENTIMIEN
42 $ 500.000 20 SURTIR LA TIENDA 3
80 TO
81 47 $ 300.000 20 MOTIVO PERSONAL PEREZA 2
82 55 $ 100.000 20 PAGAR PEDIDOS RESIGNACION 3
83 59 $ 200.000 20 DEUDAS MAL GENIO 4
84 54 $ 250.000 20 SURTIR LA TIENDA DEPRECION 2
PAGAR CUOTA DE
43 $ 120.000 20 RESIGNACION 3
85 NEVERA
RESPONSABILID
33 $ 420.000 20 MOTIVO PERSONAL 5
86 AD
RESPONSABILID
46 $ 320.000 20 SURTIR LA TIENDA 3
87 AD
88 36 $ 200.000 36 DEUDAS TRISTEZA 3
89 41 $ 600.000 20 INVERSION TRISTEZA 2
COMPRAS DE UNA
39 $ 380.000 20 ABURRIMIENTO 2
90 VEZ
91 38 $ 700.000 20 DEUDAS ABURRIMIENTO 3
DESESPERACIO
37 $ 1.200.000 20 DEUDAS 3
92 N
93 38 $ 930.000 15 INVERSION ABURRIMIENTO 2
94 43 $ 735.000 20 ESTUDIO TRISTEZA 2
95 37 $ 1.300.000 20 DEUDAS INVERSION DESANIMO 3
96 36 $ 1.000.000 20 DEUDA TRISTEZA 2
TRISTEZA
36 $ 800.000 20 DEUDA 2
97 MIEDO
NECESIDAD DE
47 $ 100.000 20 NECESIDAD 2
98 PAGAR R
99 38 $ 200.000 20 DEUDA BANCO DEPRECION 3
10
19 $ 300.000 20 PAGAR ARRIENDO ANGUSTIA 2
0
10 NECESIDAD,
50 $ 500.000 20 TRISTE 2
1 DIFICULTAD
10 RESPONSABILID
42 $ 500.000 20 NECESIDAD 2
2 AD
10
43 $ 300.000 20 DIFICULTADES MIEDO 2
3
10
41 $ 100.000 20 SITUACION MALGENIO 3
4
10 ARREGLAR UNA
45 $ 500.000 20 MIEDO 3
5 CUENTA
10 HACER PAPELES DE
46 $ 1.000.000 10 NOMAL 2
6 TAXI
10 NECESIDAD VIAJE
22 $ 100.000 10 TRISTE 4
7 ESTUDIO
10 1.000.000,
38 20 DEUDAS PREOCUPADO 2
8 00
10 500.000, FALTA DE DINERO
43 50 ABURRIDO 5
9 00 PARA SURTIR
11 2.000.000,
52 20 CALAMIDAD FAMILIAR ABURRIDO 1
0 00
11 800.000,
40 20 AFN POR DINERO PREOCUPADO 5
1 00
11 37 1.500.000, 30 FACILIDAD DE PREOCUPADO 5
2 00 PRESTAMO
11 350.000,
29 30 DEUDAS ABURRIDO 2
3 00
11 600.000, FACILIDAD DE
33 30 TRISTE 2
4 00 PRESTAMO
11 3.000.000,
55 50 DEUDAS ANGUSTIADO 1
5 00
11 1.200.000,
48 20 DEUDAS PREOCUPADO 5
6 00
11 550.000, FALTA DE DINERO
57 50 ANGUSTIADO 2
7 00 PARA SURTIR
11 900.000, ME PARECE MAS
47 20 ANGUSTIA 4
8 00 FACIL
11 1.300.000, LO BANCOS PIDEN
39 15 TRANQUILIDAD 1
9 00 DATACREDITO
12 800.000, NO TENGO TIEMPO
37 20 ANGUSTIA 2
0 00 PARA PAPELEOS
12 700.000, UNA AMIGA ME LO
28 20 TEMOR 4
1 00 RECOMENDO
12 400.000,
92 20 PRESTAN FACIL TRANQUILIDAD 1
2 00
12 1.000.000, LOS BANCOS PIDEN
30 15 ANGUSTIA 2
3 00 FIADORES
NO TENGO TIEMPO
600.000,
12 34 15 PARA HACER FILAS Y TEMOR 4
00
4 PAPELEOS
12 900.000, PRESTAN FACIL SIN
41 20 ANGUSTIA 1
5 00 PAPELES
12 500.000, REPORTADO EN
35 50 ANGUSTIA 5
6 00 DATACREDITO
12 700.000, REPORTADO EN
32 10 PREOCUPACION 1
7 00 DATACREDITO
12 5.000.000
36 15 SURTIR NEGOCIO TRISTEZA 2
8
12 10.000.000
29 10 MEJORA NEGOCIO DOLOR 4
9
13 2.000.000
59 20 REPORTADO IMPOTENCIA 3
0
13 3.000.000
43 20 REPORTADO RABIA 3
1
13 1.000.000
46 10 URGENCIA FASTIDIO 2
2
13
25 20 DEUDA RABIA - ODIO 3
3 600.000
13
29 10 DEUDA INCOMODO 3
4 700.000
13 2.000.000
36 10 REPORTADO COMODO 3
5
13 25 1.500.000 12 URGENCIA INCOMODO 4
6
13
25 10 URGENCIA ESTRS 6
7 500.000
13 NO ALCANZA EL
20 5 ABURRIMIENTO 6
8 500.000 SUELDO
13
22 20 PRESTAMO TRISTEZA 6
9 700.000
14 NECESIDAD DE DESESPERACIO
24 20 1
0 1.000.000 EFECTIVO INMEDIATO N
14 NECESIDAD DE
35 15 ESTRS 5
1 300.000 EFECTIVO INMEDIATO
14 SUELE PEDIR ESTE
30 15 NINGUNO 5
2 600.000 TIPO DE PRESTAMO
14
45 11 URGENCIA ESTRS 5
3 800.000
14
23 15 URGENCIA TRISTEZA 6
4 500.000
14
19 20 PRESTAMO ABURRIMIENTO 6
5 1.000.000
14
28 15 PRESTAMO NADA 6
6 300.000
14 300.000,
22 3 DEUDAS ESTRS 3
7 00
14 400.000,
23 4 DEUDAS ESTRS 4
8 00
14 600.000,
18 4.5 NEGOCIO ABURIMIENTO 3
9 00
15 700.000,
40 4.5 DEUDAS ESTRS 1
0 00
15 300.000,
32 3 GASTOS PERSONALES TRISTE 1
1 00
15 300.000,
28 3 DEUDAS ESTRS 3
2 00
15 500.000,
25 4 DEUDAS ABURIMIENTO 1
3 00
15 450.000,
30 4 GASTOS PERSONALES TRISTE 1
4 00
15 650.000,
22 4.5 NEGOCIO ESTRS 3
5 00
15 700.000,
33 4.5 NEGOCIO ABURIMIENTO 4
6 00

MOTIVO Causas por las cuales pidieron el dinero prestado.

MOTIVO f h F H
AFN POR DINERO 16 10% 16 10%
ARRIENDO 5 3% 21 13%
DEUDAS 53 34% 74 47%
GASTOS EDUCACION Y ESCOLARES 5 3% 79 51%
FACILIDAD DE PRESTAMO 11 7% 90 58%
GASTOS PERSONALES Y DEL HOGAR 10 6% 100 64%
NECESIDAD 10 6% 110 71%
INVERSION EN NEGOCIOS Y TRABAJO 41 26% 151 97%
REPORTADO EN DATACREDITO 5 3% 156 100%
Total general 156

Chart Title
60
50
40
30
20
10
0

Chart Title
AFN POR DINERO ARRIENDO
DEUDAS GASTOS EDUCACION Y ESCOLARES
FACILIDAD DE PRESTAMO GASTOS PERSONALES Y DEL HOGAR
NECESIDAD INVERSION EN NEGOCIOS Y TRABAJO
REPORTADO EN DATACREDITO

3% 10%
26% 3%
6% 34%
6% 7%
3%
ANALISIS

De acuerdo a la informacin recolectada se puede definir que el factor principal por el cual

las personas accedieron a un crdito gota a gota son las deudas con un porcentaje del 34%

de la totalidad de los encuestados, seguido de un factor muy importante que es el de generar

una inversin en negocios y trabajo con un porcentaje de 26%. Por ende se concluye que

las personas que ofrecen este servicio estn al acecho para cada vez tener ms clientela a su

favor.

Chart Title
40

20

SENTIMIENTO Que siente cuando le cobran

SENTIMIENTO f h F H
ABURRIMIENTO 25 16% 25 16%
AGRADECIDO 7 4% 32 21%
ALEGRIA 2 1% 34 22%
COMODO 15 10% 49 31%
DESESPERACION 38 24% 87 56%
DOLOR Y
ARREPENTIMIENTO 2 1% 89 57%
INCOMODO 4 3% 93 60%
MALGENIO 4 3% 97 62%
MIEDO 11 7% 108 69%
PREOCUPACION 18 12% 126 81%
RESPONSABILIDAD 4 3% 130 83%
TRISTE 24 15% 154 99%
VERGENZA 2 1% 156 100%
Total general 156
Chart Title
ABURRIMIENTO AGRADECIDO ALEGRIA COMODO DESESPERACION

1% 16%
15% 4%
3%
12%INCOMODO
DOLOR Y ARRePENTIMIENTO MALGENIO 1% MIEDO PREOCUPACION
7% 10%
3%
3% 24%
RESPONSABILIDAD TRISTE
1% VERGENZ A

ANALISIS

En este punto se quiere identificar cual es el sentimiento causado en el momento en que el

cobrador realiza su labor. Segn las tablas de frecuencias relacionadas identificamos que el

DESESPERO es el sentimiento ms experimentado por las personas con un porcentaje del

24% de la totalidad de los encuestados, seguido del ABURRIMIENTO el cual tiene un

porcentaje de 16%. Por tal motivo se concluye que las personas recurren a este tipo por

necesidad y que en el momento de tener que pagar el dinero con intereses no se siente en

total agrado de hacerlo.

MONTO El valor que pidieron prestado al gota a gota

CANTIDAD
(MILES) f h F H
100-212.5 16 12% 16 12%
212.5-325 19 14% 35 27%
325-437.5 19 14% 54 41%
437.5-550 26 20% 80 61%
550-662.5 13 10% 93 70%
662.5-775 12 9% 105 80%
775-887.5 10 8% 115 87%
887.5-1000 17 13% 132 100%
Total General 132 100%

xi-1 XI

R 900.000 1 100.000 212.500

8,061511 2 212.500 325.000


INTERVALOS 19
3 325.000 437.500

AMPLITUD 112.500 4 437.500 550.000

5 550.000 662.500
DIFERENCIA 900.000
6 662.500 775.000
xi-1
CANTIDAD 100000 f xi-X (xi-X)2*f
7 775.000 887.500
(MILES) xi.f
1.000.00 16
1.000.00
ULTIMO xi
156.250,00 0 2.500.00 (363.068) 8 2.109.096.074.38
887.500 0
0 0

5.106.25 1.192.903.861.05
268.750,00 19 0 (250.568) 4

7.243.75
X 381.250,00 19 0 (138.068) 362.193.633.781
519.318
12.837.5
S2 493.750,00 26 00 (25.568) 16.997.029.959
62.819.279.4
42 7.881.25
606.250,00 13 0 86.932 98.242.833.161
S 250637,75
8.625.00
Cv 718.750,00207% 12 0 199.432 477.276.601.240

8.312.50
831.250,00 10 0 311.932 973.014.591.942

16.043.7 3.062.420.260.84
943.750,00 17 50 424.432 7

68.550.0 8.292.144.886.36
Total general 132 00 4
FORMULA R MONTO

>

MONTO=c(100,100,100,100,100,100,120,120,150,200,200,200,200,200,200,250,250,300,

300,300,300,300,300,300,300,300,300,300,300,300,300,300,320,320,340,350,350,360,380,

380,400,400,400,400,400,400,400,400,400,400,400,420,450,450,450,500,500,500,500,500,

500,500,500,500,500,500,500,500,500,500,500,500,500,550,600,600,600,600,600,600,600,

600,600,650,650,650,700,700,700,700,700,700,700,700,700,700,700,735,750,800,800,800,

800,800,800,800,800,800,800,900,900,900,930,1000,1000,1000,1000,1000,1000,1000,100

0,1000,1000,1000,1000,1100,1200,1200,1200,1300,1300,1500,1500,1500,2000,2000,2000,

2200,2300,2500,3000,3000,3150,3500,5000,5000,10000)

> MONTO

[1] 100 100 100 100 100 100 120 120 150 200 200 200

[13] 200 200 200 250 250 300 300 300 300 300 300 300

[25] 300 300 300 300 300 300 300 300 320 320 340 350
[37] 350 360 380 380 400 400 400 400 400 400 400 400

[49] 400 400 400 420 450 450 450 500 500 500 500 500

[61] 500 500 500 500 500 500 500 500 500 500 500 500

[73] 500 550 600 600 600 600 600 600 600 600 600 650

[85] 650 650 700 700 700 700 700 700 700 700 700 700

[97] 700 735 750 800 800 800 800 800 800 800 800 800

[109] 800 900 900 900 930 1000 1000 1000 1000 1000 1000 1000

[121] 1000 1000 1000 1000 1000 1100 1200 1200 1200 1300 1300 1500

[133] 1500 1500 2000 2000 2000 2200 2300 2500 3000 3000 3150 3500

[145] 5000 5000 10000

> summary(MONTO)

Min. 1st Qu. Median Mean 3rd Qu. Max.

100.0 355.0 550.0 838.9 900.0 10000.0

> f=table(MONTO)

>f

MONTO

100 120 150 200 250 300 320 340 350 360 380 400 420 450 500 550

600 650 700 735 750 800 900 930 1000 1100 1200

6 2 1 6 2 15 2 1 2 1 2 11 1 3 18 1 9 3 11 1

1 10 3 1 12 1 3

1300 1500 2000 2200 2300 2500 3000 3150 3500 5000 10000

2 3 3 1 1 1 2 1 1 2 1

> Mo

[1] 20
> Rango=max(MONTO)-min(MONTO)

> Rango

[1] 9900

> n=sum(f)

>n

[1] 147

> n=length(MONTO)

>n

[1] 147

> m=round(1+3.3*log10(n))

>m

[1] 8

> C=Rango/m

>C

[1] 1237.5

> C=1237

> RNuevo=C*m

> Rnuevo

Error: objeto 'Rnuevo' no encontrado

> RNuevo

[1] 9896

> D=RNuevo-Rango

>D

[1] -4
> Inicio=min(MONTO)-4

> Final=max(MONTO)+4

> cbind(Inicio, Final)

Inicio Final

[1,] 96 10004

> Intervalos=cut(MONTO, breaks=c(Inicio, Inicio+C, Inicio+2*C, Inicio+3*C,

Inicio+4*C, Inicio+5*C, Final))

> Intervalos

[1] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[9] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[17] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[25] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[33] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[41] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[49] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[57] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]


[65] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[73] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[81] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[89] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[97] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[105] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[113] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[121] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

(96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03]

[129] (96,1.33e+03] (96,1.33e+03] (96,1.33e+03] (1.33e+03,2.57e+03]

(1.33e+03,2.57e+03] (1.33e+03,2.57e+03] (1.33e+03,2.57e+03] (1.33e+03,2.57e+03]

[137] (1.33e+03,2.57e+03] (1.33e+03,2.57e+03] (1.33e+03,2.57e+03]

(1.33e+03,2.57e+03] (2.57e+03,3.81e+03] (2.57e+03,3.81e+03] (2.57e+03,3.81e+03]

(2.57e+03,3.81e+03]

[145] (3.81e+03,5.04e+03] (3.81e+03,5.04e+03] (6.28e+03,1e+04]

Levels: (96,1.33e+03] (1.33e+03,2.57e+03] (2.57e+03,3.81e+03] (3.81e+03,5.04e+03]

(5.04e+03,6.28e+03] (6.28e+03,1e+04]
> f=table(Intervalos)

>f

Intervalos

(96,1.33e+03] (1.33e+03,2.57e+03] (2.57e+03,3.81e+03] (3.81e+03,5.04e+03]

(5.04e+03,6.28e+03] (6.28e+03,1e+04]

131 9 4 2 0 1

> n=sum(f)

>n

[1] 147

> h=(f/n)*100

>h

Intervalos

(96,1.33e+03] (1.33e+03,2.57e+03] (2.57e+03,3.81e+03] (3.81e+03,5.04e+03]

(5.04e+03,6.28e+03] (6.28e+03,1e+04]

89.1156463 6.1224490 2.7210884 1.3605442 0.0000000

0.6802721

> F=cumsum(f)

>F

(96,1.33e+03] (1.33e+03,2.57e+03] (2.57e+03,3.81e+03] (3.81e+03,5.04e+03]

(5.04e+03,6.28e+03] (6.28e+03,1e+04]

131 140 144 146 146 147

> H=cumsum(h)

>H
(96,1.33e+03] (1.33e+03,2.57e+03] (2.57e+03,3.81e+03] (3.81e+03,5.04e+03]

(5.04e+03,6.28e+03] (6.28e+03,1e+04]

89.11565 95.23810 97.95918 99.31973 99.31973

100.00000

> cbind(f, h, F, H)

f h F H

(96,1.33e+03] 131 89.1156463 131 89.11565

(1.33e+03,2.57e+03] 9 6.1224490 140 95.23810

(2.57e+03,3.81e+03] 4 2.7210884 144 97.95918

(3.81e+03,5.04e+03] 2 1.3605442 146 99.31973

(5.04e+03,6.28e+03] 0 0.0000000 146 99.31973

(6.28e+03,1e+04] 1 0.6802721 147 100.00000

>boxplot(MONTO)

ANALISIS

En este punto se puede identificar que gran parte de las personas a la cuales se les realizo la

investigacin en cuanto al monto solicitado, se logra identificar que el rango del dinero ms

solicitado esta entre $437.550 a $550.000 con un porcentaje del 20%. Seguido del rango

$325.000 a $437.550 con un porcentaje de 14%. En conclusin los montos solicitados en

prstamos no son tan elevados, pero si el alto inters causado les hace cancelar mucho ms

dinero del que solicitaron.

INTERESES Porcentaje de inters por el cual les prestaron el dinero.

INTERES f h F H
3 6 4% 6 4%
4 7 5% 13 9%
4,5 7 5% 20 14%
5 7 5% 27 18%
7 2 1% 29 20%
8 2 1% 31 21%
10 43 29% 74 50%
11 1 1% 75 51%
12 1 1% 76 52%
15 15 10% 91 62%
20 56 38% 147 100%
Total
general 147

DATOS OUTLAWYER

INTERES f h
25 1 1%
30 3 2%
36 1 1%
50 4 3%

INTERES f xi.f xi-X (xi-X)2*f


-
3 6 18 10,2 624,32
-
4 7 28 9,2 592,57
-
4,5 7 31,5 8,7 529,91
-
5 7 35 8,2 470,76
-
7 2 14 6,2 76,90
-
8 2 16 5,2 54,09
-
10 43 430 3,2 440,51
-
11 1 11 2,2 4,84
-
12 1 12 1,2 1,44

15 15 225 6,0 540,00


20 56 1120 2588,92
6,8
Total
general 147 1940,5 5924,27

X 13,2

S2 40

S 6,35

Cv 48%

Chart Title
60

50

40

Axis Title 30

20

10

0
3 4 4.5 5 7 8 10 11 12 15 20
Chart Title
3 4 4.5 5 7 8 10 11 12 15 20

4% 5%
5% 5%
38% 1%
1%

29%
10% 1% 1%

FORMULA R INTERES

>

INTERES=c(3,3,3,3,3,3,4,4,4,4,4,4,4,4.5,4.5,4.5,4.5,4.5,4.5,4.5,5,5,5,5,5,5,5,7,7,8,8,10,10,
10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,1

0,10,10,10,10,10,10,10,10,10,10,10,11,12,15,15,15,15,15,15,15,15,15,15,15,15,15,15,15,20

,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,

20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20,20)

> INTERES

[1] 3.0 3.0 3.0 3.0 3.0 3.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.5 4.5

[16] 4.5 4.5 4.5 4.5 4.5 5.0 5.0 5.0 5.0 5.0 5.0 5.0 7.0 7.0 8.0

[31] 8.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0

[46] 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0

[61] 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 11.0

[76] 12.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0

[91] 15.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0

[106] 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0

[121] 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0

[136] 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0

> INTERES

[1] 3.0 3.0 3.0 3.0 3.0 3.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.5 4.5

[16] 4.5 4.5 4.5 4.5 4.5 5.0 5.0 5.0 5.0 5.0 5.0 5.0 7.0 7.0 8.0

[31] 8.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0

[46] 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0

[61] 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 11.0

[76] 12.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0 15.0

[91] 15.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0

[106] 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0
[121] 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0

[136] 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0 20.0

> summary(INTERES)

Min. 1st Qu. Median Mean 3rd Qu. Max.

3.0 10.0 10.0 13.2 20.0 20.0

> f=table(INTERES)

>f

INTERES

3 4 4.5 5 7 8 10 11 12 15 20

6 7 7 7 2 2 43 1 1 15 56

> Mo=20

> Rango=max(INTERES)-min(INTERES)

> Rango

[1] 17

> n=sum(f)

>n

[1] 147

> n=length(INTERES)

>n

[1] 147

> m=round(1+3.3*log10(n))

>m

[1] 8

> C=Rango/m
>C

[1] 2.125

> C=2.1

> RNuevo=C*m

> RNuevo

[1] 16.8

> D=RNuevo-Rango

>D

[1] -0.2

> C=2

> RNuevo=C*m

> RNuevo

[1] 16

> D=RNuevo-Rango

>D

[1] -1

> Inicio=min(INTERES)-0.5

> Final=max(INTERES)+0.5

> cbind(Inicio, Final)

Inicio Final

[1,] 2.5 20.5

> Intervalos=cut(INTERES, breaks=c(Inicio, Inicio+C, Inicio+2*C, Inicio+3*C,

Inicio+4*C, Inicio+5*C, Final))

> Intervalos
[1] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5]

[7] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5]

[13] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5] (2.5,4.5]

[19] (2.5,4.5] (2.5,4.5] (4.5,6.5] (4.5,6.5] (4.5,6.5] (4.5,6.5]

[25] (4.5,6.5] (4.5,6.5] (4.5,6.5] (6.5,8.5] (6.5,8.5] (6.5,8.5]

[31] (6.5,8.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5]

[37] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5]

[43] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5]

[49] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5]

[55] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5]

[61] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5]

[67] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5] (8.5,10.5]

[73] (8.5,10.5] (8.5,10.5] (10.5,12.5] (10.5,12.5] (12.5,20.5] (12.5,20.5]

[79] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[85] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[91] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[97] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[103] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[109] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[115] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[121] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[127] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[133] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]

[139] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5] (12.5,20.5]


[145] (12.5,20.5] (12.5,20.5] (12.5,20.5]

Levels: (2.5,4.5] (4.5,6.5] (6.5,8.5] (8.5,10.5] (10.5,12.5] (12.5,20.5]

> f=table(Intervalos)

>f

Intervalos

(2.5,4.5] (4.5,6.5] (6.5,8.5] (8.5,10.5] (10.5,12.5] (12.5,20.5]

20 7 4 43 2 71

> n=sum(f)

>n

[1] 147

> h=(f/n)*100

>h

Intervalos

(2.5,4.5] (4.5,6.5] (6.5,8.5] (8.5,10.5] (10.5,12.5] (12.5,20.5]

13.605442 4.761905 2.721088 29.251701 1.360544 48.299320

> F=cumsum(f)

>F

(2.5,4.5] (4.5,6.5] (6.5,8.5] (8.5,10.5] (10.5,12.5] (12.5,20.5]

20 27 31 74 76 147

> H=cumsum(h)

>H

(2.5,4.5] (4.5,6.5] (6.5,8.5] (8.5,10.5] (10.5,12.5] (12.5,20.5]

13.60544 18.36735 21.08844 50.34014 51.70068 100.00000

> cbind(f, h, F, H)
f h F H

(2.5,4.5] 20 13.605442 20 13.60544

(4.5,6.5] 7 4.761905 27 18.36735

(6.5,8.5] 4 2.721088 31 21.08844

(8.5,10.5] 43 29.251701 74 50.34014

(10.5,12.5] 2 1.360544 76 51.70068

(12.5,20.5] 71 48.299320 147 100.00000

> cbind(f)

(2.5,4.5] 20

(4.5,6.5] 7

(6.5,8.5] 4

(8.5,10.5] 43

(10.5,12.5] 2

(12.5,20.5] 71

> LimSup=c(4.5,6.5,8.5,10.5,12.5,20.5)

> LimInferior=c(2.5,4.5,6.5,8.5,10.5,12.5)

> Xi=(LimSup+LimInferior)/2

> Xi

[1] 3.5 5.5 7.5 9.5 11.5 16.5

> cbind(f,Xi)

f Xi

(2.5,4.5] 20 3.5

(4.5,6.5] 7 5.5
(6.5,8.5] 4 7.5

(8.5,10.5] 43 9.5

(10.5,12.5] 2 11.5

(12.5,20.5] 71 16.5

> f.Xi=f*Xi

> f.Xi

Intervalos

(2.5,4.5] (4.5,6.5] (6.5,8.5] (8.5,10.5] (10.5,12.5] (12.5,20.5]

70.0 38.5 30.0 408.5 23.0 1171.5

> cbind(f,Xi,f.Xi)

f Xi f.Xi

(2.5,4.5] 20 3.5 70.0

(4.5,6.5] 7 5.5 38.5

(6.5,8.5] 4 7.5 30.0

(8.5,10.5] 43 9.5 408.5

(10.5,12.5] 2 11.5 23.0

(12.5,20.5] 71 16.5 1171.5

> Media=sum(f.Xi)/n

> Media

[1] 11.84694

> F=cumsum(f)

> cbind(f,Xi,f,Xi,F)

f Xi f Xi F

(2.5,4.5] 20 3.5 20 3.5 20


(4.5,6.5] 7 5.5 7 5.5 27

(6.5,8.5] 4 7.5 4 7.5 31

(8.5,10.5] 43 9.5 43 9.5 74

(10.5,12.5] 2 11.5 2 11.5 76

(12.5,20.5] 71 16.5 71 16.5 147

> Li=8.5

> n/2

[1] 73.5

> Fa=31

> fo=43

>C

[1] 2

> Me=Li+((n/2-Fa)/fo)*C

> Me

[1] 10.47674

> fo=43

> fa=4

> fs=2

> D1=fo-fa

> D2=fo-fs

> Lim=10.5

> Mo=Li+(D1/(D1+D2))*C

> Mo

[1] 9.475
> boxplot(INTERES)

ANALISIS

En cuanto al inters generado por los prestamistas gota a gota en su mayora prestan al 20%

con un porcentaje del 38% y al 10% con un porcentaje de 29% sobre el monto solicitado.

Razn por la cual se entiende que la personas al momento que tienen que pagar la cuota ya

sea de manera diaria, semanal, quincenal o mensual, que son las formas de pago comunes

que manejan este tipo de prestamistas, se sientes desesperadas y aburridas ya que el inters

es bastante alto, considerndose prestamista usureros.

BIBLIOGRAFIA

Libro el R autor Jorge Obando


Encuestas microempresarios