Ramírez Pérez, Héctor Xavier
Main Affiliation
Preferred name
Ramírez Pérez, Héctor Xavier
Official Name
Ramírez Pérez, Héctor Xavier
ORCID
0000-0003-3363-2808
Scopus Author ID
56989868500
13 results
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Item type:Publication, How Financial Literacy Factors Influence Households’ Income and Expenses(Social Sciences Research Society, 2024); ; Financial literacy equips individuals with the knowledge and skills necessary to manage money effectively, thereby fostering financial well-being and supporting societal development through the promotion of financial responsibility. This study investigates the key determinants of financial literacy that influence household income and expenditure. The research employs an empirical analysis, utilising data from a biannual National Income and Expenses Survey. Two models were compared using multivariate estimations to examine the cause-and-effect relationships between income, expenditure, and financial literacy variables. The first model applied the least-squares method, while the second utilised a robust least-squares method, which accommodates outliers and mitigates the impact of assumption violations. Findings reveal that certain factors, including savings, education, medical expense insurance, life insurance, and credit card usage, significantly and positively influence household income and expenses over time. Notably, the acquisition of medical expense insurance, life insurance, and credit card usage emerged as the most impactful factors. Although savings and education were statistically significant, their overall influence on household financial outcomes was comparatively limited. This study contributes by identifying and highlighting the most influential factors affecting household income and expenditure, with implications for policy and practice. It is recommended to enhance financial literacy by improving public understanding and practical engagement with medical expense insurance, life insurance, and credit card usage, thereby promoting more sustainable and prosperous financial outcomes for households. © The authors (2024), International Journal of Economics and Finance Studies ©Social Sciences Research Society. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Social mobility through technological assets: a regional microsimulation model(Social Sciences Research Society, 2025); Access to technology is a significant factor in facilitating upward social mobility by reducing disparities in access to information and fostering educational and employment opportunities. This study develops a microsimulation model for a region in Mexico to estimate the probabilities of households achieving social mobility through a two-year renewable microcredit scheme for acquiring a computer with internet access over a 14-year period. The data utilised include the National Income and Expenses Survey and a regional social mobility survey. The methodology incorporates principal component analysis to construct an Asset Index, ordered logistic regression for asset selection, a Markov Chain for transition probability estimation, and Monte Carlo simulation. The findings reveal that 13.75% of households could progress to a higher wealth quintile while sustaining their ability to repay the microcredit. The study advocates for targeting public programmes aimed at social mobility towards specific sectors rather than implementing universal initiatives. Additionally, it recommends enhancing credit conditions through public-private partnerships to mitigate inequality. ©The authors © (2024), (Social Sciences Research Society). All rights reserved. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, The effectiveness of curriculum standardization in data analysis and tools proficiency for undergraduate education: a case study(Frontiers Media SA, 2025); ; Introduction: The rapid evolution of technology necessitates the development of advanced computing and data analysis skills in undergraduate education. Standardizing curricula is a strategy to ensure consistent learning outcomes and align educational objectives with industry requirements. This study investigates the impact of a standardized curriculum on students' academic performance and professional certification outcomes. Methods: A quasi-experimental design was used to analyze 1,597 students enrolled in a data analysis course before and after implementing a standardized curriculum at a private university in Mexico City. The study assessed course grades and certification exam scores to evaluate the effectiveness of standardization. Parametric and non-parametric tests were applied to ensure robust analysis. Results: Implementing the standardized curriculum resulted in a slight decrease in average course grades but significantly improved certification exam scores, exceeding the threshold for certification. The findings highlight enhanced proficiency in data analysis tools and consistency in achieving educational objectives across groups. Discussion: The results suggest that curriculum standardization effectively addresses teaching methodologies and assessment criteria discrepancies. While increased curriculum difficulty temporarily impacted grades, the improved certification outcomes demonstrate the value of standardization in preparing students for industry demands. These insights provide a foundation for future curriculum development to align academic instruction with the evolving requirements of a technology-driven workforce. ©The authors ©Frontiers Media. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, The influence of graduate attributes and humanistic principles on leadership, social responsibility, and performance(Springer Science and Business Media LLC, 2025-06-14); ; - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Effects of training method and age on employability skills of mexican youth entrepreneurs(2015); 18 1 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Virtue Ethics: A Contribution to Family Firms(2020); This chapter is an exploratory study of business ethics as it relates to family firms; it primarily aims to explore virtue ethics as an alternative proposal for the ethical concerns that family firms face in their management, thus overcoming the limitations of relevant business ethics approaches and integrating them into an overarching paradigm. Ethics can be classified into three main streams: (1) deontology, (2) utilitarianism, and (3) virtue ethics. The former two approaches have been widely used in the realm of business and family firms for many years and they tend to instrumentalize ethics for business purposes. Yet, they are mostly powerless to explain and promote the ethical concerns surrounding the family firm’s culture. Virtue ethics regained philosophical interest in the second half of the twentieth century, shifting the focus of morality from “the right thing to do” to the “best way to live.” By bringing together two consolidated research fields, family firms and virtue ethics, this chapter contributes a rich perspective to current research in both fields and opens up new ways of answering many of the cultural questions that family firms bring to the table. © 2020 Emerald Publishing Limited.Scopus© Citations 3 31 1 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Innovation and internationalization : Grupo Lorsa : A family firm that found innovation from within(2018); 38 1 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Measuring familiness in private family firms : a bayesian network model(2018); ; The objective of this analysis was to identify the causality among variables that originate the highest level of familiness in private family firms. The Bayesian Networks (BN) theory was applied to measure the effectiveness of resources and capabilities provided by the family members within a family business to understand causal relations among variables by using probabilistic reasoning throughout a graphic. Results showed that if salary of family members was higher than salary of employees in the same position, if family members shared information among themselves, and if family firms presented family-employee bonds, there was an 83%, 70%, and 79% of probability of having a high level familiness, respectively. The limitation of the study is that any modification in the BN might show different outcomes. These findings expand the knowledge on family business discipline and suggest a path for family business’ leaders to increase familiness. If family firms want to strengthen their competitive advantage, the main variables they should focus, among all the resources and capabilities that represent familiness, are salaries of family members, sharing information, and family-employee bonds.Scopus© Citations 2 22 2 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Digital consumer behavior and medical tourism: A regional analysis in Mexico(2023); ; Medical tourism has increasingly become an important alternative to receive healthcare services given medical systems’ limitations such as: treatment availability, access, and price. The industry has significantly grown with the availability of internet services and digital platforms which enable consumers to connect with service providers as well as other stakeholders around the world. And, considering medical tourism profiles related to travel frequency, expenditure, place, and degree of digital platform use, the question is how does digital platform use impact medical tourism consumer behavior related to the type of destination? Cluster analysis and georeferencing analytics were utilized to study the correlation between digital platform use and the preferred type of destination for medical tourism. The study shows a clear positive correlation between the variables compared.Scopus© Citations 1 19 1 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Survival Likelihood of Micro and Small Businesses Facing a Catastrophe(2021); ; This chapter proposes a measurement methodology throughout a Bayesian Network to quantify the survival probability of micro and small enterprises (MSEs) facing a catastrophic event, and to assess if a Business Continuity Plan (BCP) is a unique alternative to prevent companies from bankruptcy. Empirical evidence for a developing country shows the majority of companies are MSEs and without enough knowledge about a BCP; therefore, the likelihood of businesses’ survival will depend on BCP and several other elements that should be taken into account for owners when making decisions towards negative effects of catastrophic events. Results showed that for MSEs businesses with high face-to-face customer interaction, a BCP might be useful as well as the experience in crisis of the management team, but not as the only variable.Scopus© Citations 1 36 1