This study examines the impact of quality management on the competitiveness of micro and small enterprises (MSEs) in the Peruvian textile clusters, a sector that is a significant driver of local economic activity. Unlike previous studies, this research provides a comprehensive analysis of the combined influence of leadership, employee training, customer orientation, continuous improvement, and benchmarking on MSE competitiveness. Utilizing a robust quantitative research design, data were collected from 347 participants through a structured survey. The findings reveal a high level of engagement in quality management practices among the surveyed MSEs, with the identified factors significantly contributing to improved productivity, customer satisfaction, and market presence. The originality of this study lies in its in-depth exploration of these quality management dimensions within the specific context of Peruvian textile clusters, offering new insights into their role in driving competitiveness. The implications are particularly relevant for business owners, managers, and policymakers seeking to enhance the sustainability and competitive advantage of textile MSEs in a highly dynamic market environment.

This study examines whether the accumulated stock of private credit provides early-warning information for subsequent deterioration in banking-sector asset quality. It combines annual Passport banking indicators with World Development Indicators for 58 countries over 2010–2024; the preferred sample contains 746 country–year observations. A second-order dynamic fixed-effects model links log(1 + NPL), where NPL denotes the non-performing loan ratio, to lagged private credit to gross domestic product (GDP), real credit growth, lending rates, bank capital, GDP growth, inflation, and unemployment. Its preferred credit-depth coefficient is 0.00377, implying that a 10-percentage-point increase is associated with approximately 0.15 percentage points more NPLs one year later at the sample median. To operationalize early-warning calibration without claiming a universal cutoff, the paper reports the sample credit-depth quartiles and estimates a country fixed-effects linear probability model using the European Banking Authority’s 5% gross-NPL supervisory trigger. In that alternative outcome, a 10-percentage-point increase in credit depth is associated with a 2.78-percentage-point higher conditional probability of NPLs reaching 5% or more (p = 0.002). On a strictly common 609-observation sample, the credit-depth coefficients at one-, two-, and three-year horizons are 0.00501, 0.00960, and 0.01266. Lending rates and unemployment are positive, whereas annual credit growth and capital ratios are not robust predictors. Pooled interactions do not reject equal slopes across broad country partitions. System generalized method of moments (GMM) passes conventional tests but violates a persistence-bound credibility check. The evidence supports an early-warning interpretation, not a causal claim.

El objetivo del estudio determino la relación Marketing sensorial y Calidad de atención en la percepción del cliente en Perfumería Cosmética “Belleza”. 2019. Se estudio a través del método científico e investigación básica, de alcance correlacional (Hernández et al.2010). Variable 1: Marketing sensorial; Variable 2: Calidad de atención al cliente. Se efectuó 20 preguntas a 270 clientes, utilizando la escala de Likert. Los clientes calificaron en orden decreciente con porcentajes: De acuerdo, Totalmente de Acuerdo y Ni de acuerdo ni en desacuerdo. Se concluyó una relación positiva alta entre marketing sensorial y calidad de atención en la percepcion del cliente (Rho=0,807). Por otro lado, esta relación con las dimensiones de calidad de atención al cliente: Elementos tangibles, Capacidad de respuesta, Empatía, Seguridad y Fiabilidad demostraron correlaciones de Spearman desde positiva moderada hasta positiva alta. (Rho= 0,439 hasta Rho=0,710). La empresa necesita tomar acciones mínimas para disminuir la indiferencia de algunos clientes que registraron una valoración entre 10% y 20% como Ni de acuerdo ni en desacuerdo.

This study examines whether deeper digital platform ecosystems are associated with stronger business digital commercialization across countries. Because a consistent measure of new venture formation was unavailable, the analysis uses the share of businesses receiving orders over the internet as the outcome. Using Passport data, we build a balanced panel of 26 countries for 2014–2025 and construct a Platform Depth Index from Third-Party Marketplace E-Commerce and Retail App M-Commerce through principal component analysis. The empirical strategy combines first-difference models with year fixed effects and Driscoll–Kraay standard errors, complemented by fixed-effects, trend, interaction, and placebo specifications. Results show a positive and robust association between platform depth and online order reception. The effect is stronger in countries with higher smartphone penetration and higher education, suggesting that digital platforms function as commercialization infrastructures whose returns depend on complementary capabilities.

This study examines whether digital commerce deepening and digital financial use are associated with banking fragility through the household leverage channel. Using country-year data from Euromonitor International Passport for 16 economies over 2015-2025, the analysis links bank nonperforming loans to household debt, app-based mobile commerce, internet banking, smartphone possession, and government effectiveness. The empirical strategy applies dynamic two-way fixed effects models with country and year effects, clustered standard errors, Driscoll-Kraay sensitivity checks, restricted housing-stress controls, crisis-year exclusions, alternative winsorization, mechanism regressions, and placebo leads. The findings show strong persistence in banking fragility and a positive household-debt signal, although the effect is strongest in robust covariance and alternative winsorization specifications. App-based mobile commerce is negatively associated with nonperforming loans in the dynamic models, suggesting that digital commerce may capture formalization, payment efficiency, or digital maturity rather than mechanical overborrowing. Internet banking and the household-debt-by-government-effectiveness interaction are not robust predictors. Overall, digitalization does not mechanically amplify banking fragility; the more consistent channel is household leverage, moderated only weakly by institutional execution in the available panel.

Digital finance adoption, institutional quality, and financial service use are examined as predictors of digital transaction maturity across 37 countries from 2015 to 2024. Using Euromonitor Passport data, the study estimates dynamic two-way fixed effects models with country and year controls, complemented by robustness checks using mobile money, e-commerce bill transactions, alternative samples, winsorization thresholds, growth models, and a first-difference instrumental-variable specification. Results show strong path dependence: previous transaction activity is the most consistent predictor of current activity. Consumer expenditure on formal finance also shows a positive and robust association, while internet banking, governance quality, smartphone possession, and higher education do not present stable direct effects after controlling for ecosystem maturity. The findings suggest that transaction infrastructures evolve cumulatively and create growing needs for audit analytics, automated controls, risk intelligence, and real-time monitoring.