Ignacio Ortiz-Betancourt, Arturo García-Santillán, Jesica J. Ramos-Hernández, Martha Zapot-Loissell, Luis A. Huitrón Méndez, Claudio Morales López


This paper aims to prove which could be the best financing option for individuals with low incomes seeking sources of funding, depending on their profile and according to the available options in the national financial system, specifically through commercial banks and non-bank financial institutions. For that, we develop scenarios to show the benefits provided in each case, using a payments scheme with overdue annuities. The result shows a better choice to get loan through non-bank financial institutions.


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overdue annuities, interest rate, compound interest, loans


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