{"id":19309,"date":"2023-07-03T11:35:44","date_gmt":"2023-07-03T16:35:44","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=19309"},"modified":"2023-07-03T12:30:47","modified_gmt":"2023-07-03T17:30:47","slug":"informacion-geoespacial-para-el-sector-agro-financiero","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/informacion-geoespacial-para-el-sector-agro-financiero\/","title":{"rendered":"Informaci\u00f3n geoespacial para el sector agro-financiero"},"content":{"rendered":"

Ante el constante cambio en el sector agropecuario por las diferentes crisis clim\u00e1ticas, sociales y econ\u00f3micas, se vuelve a\u00fan m\u00e1s complicado tomar decisiones financieras que permitan el crecimiento sostenido necesario en el pa\u00eds.<\/p>\n

La inversi\u00f3n al sector agro-financiero representa un reto importante ante la poca o nula informaci\u00f3n confiable que est\u00e1 disponible para los entes financieros sobre la ubicaci\u00f3n exacta y l\u00edmites del predio donde se efectuar\u00e1 la inversi\u00f3n, generando un mayor riesgo e incertidumbre sobre el otorgamiento y cumplimiento de un cr\u00e9dito.<\/p>\n

Para mitigar estos riesgos, se han desarrollado innovaciones tecnol\u00f3gicas que ayudan a promover una mayor productividad, ahorro de insumos, eficiencia y eficacia en la producci\u00f3n; como una muestra actual en el sector agr\u00edcola, nos encontramos con el monitoreo de cultivos de manera remota, utilizando im\u00e1genes satelitales, drones o naves no tripuladas para poder obtener datos exactos del estado de nuestras plantas, suelo, plagas o enfermedades, as\u00ed como de las condiciones clim\u00e1ticas de una zona en espec\u00edfico.<\/p>\n

Esto, iniciando con la debida georreferenciaci\u00f3n de nuestro predio, que nos permitir\u00e1 delimitar exactamente el \u00e1rea que deseamos monitorear. El avance tecnol\u00f3gico actual es tal que nos permite observar y obtener datos diarios del predio.<\/p>\n

Si bien este modelo de tecnolog\u00eda es novedoso y eficiente, actualmente son utilizadas en mayor medida por productores, t\u00e9cnicos o especialistas, mientras que las instituciones financieras en nuestro pa\u00eds est\u00e1n de manera incipiente utilizando esta tecnolog\u00eda para el perfilamiento de riesgo crediticio.<\/p>\n

La soluci\u00f3n m\u00e1s prometedora al momento, es el uso de informaci\u00f3n geoespacial, utilizando la correcta georreferencia de tu predio y aplicando modelos estad\u00edsticos, a trav\u00e9s de la cual se puede aprovechar los datos obtenidos de las tecnolog\u00edas de monitoreo y de informaci\u00f3n hist\u00f3rica existente asociada a una ubicaci\u00f3n geogr\u00e1fica; se crean modelos geoespaciales que interrelacionan N n\u00famero de variables sociales, econ\u00f3micas, de infraestructura, de conectividad, agroclim\u00e1ticas o productivas para predecir, estimar, catalogar o calcular variables, como el riesgo de impago, y expresar estos resultados de manera gr\u00e1fica, en tablas o reportes que permiten reducir la brecha del riesgo de inversi\u00f3n.<\/p>\n

Como una demostraci\u00f3n de estas aplicaciones, se puede clasificar la aptitud productiva a nivel predio, se asigna un valor o calificaci\u00f3n din\u00e1mica que cambia dependiendo del tipo de inversi\u00f3n, ciclo, o cualquier variable; de esta manera se puede verificar si el riesgo de un cr\u00e9dito es alto o bajo, ayudando a tomar una mejor decisi\u00f3n de inversi\u00f3n, considerando todas las variables posibles que influyen en el proceso productivo.<\/p>\n

As\u00ed podemos aprovechar la generaci\u00f3n de datos de una forma escalable, ya que podemos crear bases de datos m\u00e1s confiables y verificables, forjando mayores oportunidades de negocios, dando mayor certeza, y optimizando el otorgamiento de cr\u00e9dito de las entidades financieras con un menor riesgo.<\/p>\n

La generaci\u00f3n de la informaci\u00f3n geoespacial, es un tema relativamente novedoso en nuestro pa\u00eds y que requiere de un proceso de aprendizaje y socializaci\u00f3n de sus beneficios de manera importante; pero d\u00eda a d\u00eda apoyan m\u00e1s a reducir esa percepci\u00f3n de alto riesgo que genera el sector agropecuario. Sin duda es una potente herramienta que permitir\u00e1 obtener beneficios importantes para el sector productivo y financiero.<\/p>\n

Una muestra clara en el sector son los Fideicomisos Instituidos en Relaci\u00f3n con la Agricultura (FIRA), que por medio de sus objetivos estrat\u00e9gicos integra procesos que permiten la inclusi\u00f3n financiera a peque\u00f1os productores, acerc\u00e1ndolos a empresas agroindustriales con programas de desarrollo de proveedores y una asistencia t\u00e9cnica puntual, moderna y eficiente; accede a incrementar la productividad, eficiencia, ingresos y oportunidades en proyectos sostenibles para el desarrollo al campo.<\/p>\n

Lo anterior, con la finalidad conjunta de mitigar los riesgos de los involucrados en la cadena productiva y mejorando el financiamiento, los cr\u00e9ditos y garant\u00edas que otorga esa instituci\u00f3n, a trav\u00e9s de la banca comercial y otros intermediarios financieros como Sofomes, Uniones de Cr\u00e9dito, Cajas, Almacenes, Sociedades Cooperativas, as\u00ed como otras entidades financieras y agentes tecnol\u00f3gicos autorizados.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ante el constante cambio en el sector agropecuario por las diferentes crisis clim\u00e1ticas, sociales y econ\u00f3micas, se vuelve a\u00fan m\u00e1s complicado tomar decisiones financieras que permitan el crecimiento sostenido necesario en el pa\u00eds. La inversi\u00f3n al sector agro-financiero representa un reto importante ante la poca o nula informaci\u00f3n confiable que est\u00e1 disponible para los entes […]<\/p>\n","protected":false},"author":10,"featured_media":19311,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-post.php","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_mbp_gutenberg_autopost":false,"fifu_image_url":"https:\/\/www.eleconomista.com.mx\/__export\/1507852863738\/sites\/eleconomista\/img\/historico\/cosecha-lechuga-romana20.jpg_393767599.jpg","fifu_image_alt":"Informaci\u00f3n geoespacial para el sector agro-financiero","footnotes":""},"categories":[6],"tags":[],"class_list":["post-19309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-agronegocios"],"yoast_head":"\nInformaci\u00f3n geoespacial para el sector agro-financiero · Prime Action Consulting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/backup.primeaction.com\/sp\/informacion-geoespacial-para-el-sector-agro-financiero\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Informaci\u00f3n geoespacial para el sector agro-financiero · Prime Action Consulting\" \/>\n<meta property=\"og:description\" content=\"Ante el constante cambio en el sector agropecuario por las diferentes crisis clim\u00e1ticas, sociales y econ\u00f3micas, se vuelve a\u00fan m\u00e1s complicado tomar decisiones financieras que permitan el crecimiento sostenido necesario en el pa\u00eds. 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