Papers<\/h1><\/div>![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2022\/01\/orcid_id_white.png?resize=439%2C59&ssl=1\")
<\/a><\/span><\/div><\/div><\/div><\/div><\/div>![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2025\/10\/paper-metaverse-102025.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>Sustainable metaverse ecosystems: from ESG compliance to multilayer network scalability<\/h4><\/div>\nRoberto Moro-Visconti, Salvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual & Javier S\u00e1nchez Garc\u00eda<\/p>\n\n\n\n
This study examines the emerging sustainability of metaverse ecosystems, which combine multiple virtual and augmented reality spaces where users interact. ESG criteria, which align with the Sustainable Development Goals and promote economic and financial sustainability, represent best practice standards for screening and backing viable projects. The research focus begins with the historical ESG scoring of metaverse-prone BigTechs, demonstrating that they are more sustainable than traditional firms, as evidenced by the increase in the probability of payment between traditional clients and suppliers. Multilayer networks are then introduced, incorporating the scalability features of new nodes (avatars) and links that make the metaverse economically sustainable. The strongest ESG issues concern the social and governance component: access to the metaverse is hardened by authoritarian regimes, or ludopathies may be exacerbated by 3D dependence, detaching addicted surfers from the real world. Our findings show that integrating multilayer network theory with ESG metrics not only promotes economic sustainability but also supports governance innovations that drive digital inclusivity. By integrating ESG metrics with multilayer network theory, this research enhances economic sustainability and reveals governance innovations that foster digital inclusivity, strengthening the metaverse’s long-term viability.<\/p>\n\n\n\n
<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2025\/03\/post-paper-26032025.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>Digitalization intensity and its impact on financial performance:The role of scalable platforms<\/h4><\/div>\nRoberto Moro-Visconti, Javier S\u00e1nchez Garc\u00eda, Joaqu\u00edn L\u00f3pez Pascual, Salvador Cruz Rambaud<\/em><\/p>\n\n\n\nThis research investigates the impact of digital platforms on financial and economic outcomes, emphasizing EBITDA, market capitalization, and the capacity for debt financing. The research illustrates that digital platforms enhance revenue streams while simultaneously decreasing operational expenditures, thereby leading to an overall enhancement in financial performance. Utilizing a dynamic panel data methodology, the results demonstrate the temporal impacts of digital platforms on key financial indicators. Furthermore, it explores the complex interplay between digital intensity and marginal benefits, offering practical ideas for companies seeking to enhance both scalability and funding opportunities. By analyzing differing levels of digital intensity, we illustrate how scalability influences financial margins and market capitalization. The results imply that organizations adopting digital platforms are more inclined to secure long-term economic viability and financing capability through improved efficiencies in data processing and strategic decision-making. However, investing in digitalization has an optimal point from where it shows diminishing returns.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas (papers)\u00a0Joaqu\u00edn L\u00f3pez Pascual<\/a><\/strong>:<\/p>\n\n\n\n![\"ORCID](\"https:\/\/i0.wp.com\/orcid.org\/sites\/default\/files\/images\/orcid_16x16.png?w=1240&ssl=1\")
orcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n\n<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2025\/03\/post-paper-25032025.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>Understanding the date-delay efect: demographic and behavioral insights in intertemporal choice<\/h4><\/div>\nPiedad Ortiz Fern\u00e1ndez, Isabel Mar\u00eda Parra Oller, Salvador Cruz Rambaud & Joaqu\u00edn L\u00f3pez Pascual<\/em><\/p>\n\n\n\nThis paper contributes to the literature on intertemporal choice in diferent ways, by enhancing both the theoretical and empirical understanding of the date\u2013delay efect. First, we shed light on the date\u2013delay efect, an anomaly which has been previously underexplored, by proposing a novel mathematical defnition which incorporates the property of non-separability between amount and time. This defnition, supported by our empirical analysis, opens new avenues for developing mathematical models which account for this anomaly and provide a more accurate representation of intertemporal decisions. Second, we demonstrate for the frst time that individuals make decisions by considering time and amount jointly rather than separately in the date scenario.<\/p>\n\n\n\n
<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2023\/11\/paper-14112023.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>Artificial intelligence-driven scalability and its impact on the sustainability and valuation of traditional firms<\/h4><\/div>\nRoberto Moro-Visconti, Salvador Cruz Rambaud & Joaqu\u00edn L\u00f3pez Pascual<\/em><\/p>\n\n\n\nThe objective of this study is to determine the impact of artificial intelligence (AI) on the earnings before interest, taxes, depreciation, and amortization (EBITDA) of firms as a proxy of their financial and economic margins by improving revenues and minimizing expenses. This impact is positive on the market value and scalability by improving the economic and financial sustainability of companies. The methodology is based on a business plan that considers the savings obtained by a traditional firm implementing AI. Specifically, a sensitivity analysis will demonstrate that AI savings impact key parameters, leading to economic and financial sustainability. Additionally, a mathematical interpretation, based on network theory, will be produced to provide and compare the added value of two ecosystems (without and with AI that adds up new nodes and strengthens the existing ones). The main contribution of this paper is the combination of two unrelated approaches, showing the potential of AI in scalable ecosystems. In future research, this innovative methodology could be extended to other technological applications.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas (papers) Joaqu\u00edn L\u00f3pez Pascual<\/a><\/strong>: <\/p>\n\n\n\norcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n<\/div>\n<\/div>Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2023\/09\/paper-edited-by-salvjoaq.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>Insurtech, Proptech & Fintech Environment. Sustainability, Global Trends and Opportunities<\/h4><\/div>\nEdited by: Salvador Cruz Rambaud and Joaqu\u00edn L\u00f3pez Pascual (August 2023)<\/p>\n\n\n\n
The relationship between fintech and sustainability and the different areas of collaboration between fintechs and sustainable finance were the main focus of this publication, highlighting how fintechs may play pivotal roles in the pathway towards a sustainable future. As a result of transformation in the traditional banking and finance industry because of fintech disruption, many new opportunities have been created. Thus, banks are investing heavily in technology to implement real-time payment systems, partnering with fintech firms to do so. The opportunities for growth and development are endless, and the potential for high rewards is great. Fintech companies are moving to the forefront of emerging technologies and working in this sector can provide access to the latest innovations. Due to those new opportunities and global trends pointed out in this publication, the financial industry will likely not be the same anymore.<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2023\/01\/financial-innovation-papers-joaquinlopezpascual.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA<\/h4><\/div>\nSalvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual & Emilio M. Santandreu. A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA. (Financial Innovation)<\/p>\n\n\n\n
The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients\u2019 profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower\u2019s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. <\/p>\n\n\n\n
<\/div>\n\n\n\norcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n\n<\/div>\n<\/div>Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2022\/12\/paper-nature.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>Should gender be a determinant factor for granting crowdfunded microloans?<\/h4><\/div>\nSalvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual<\/strong>, Roberto Moro-Visconti & Emilio M. Santandreu. Should gender be a determinant factor for granting crowdfunded microloans?. (Humanities & Social Sciences Communications)<\/em><\/p>\n\n\n\nCrowdfunded microloans are a suitable tool for financing basic economic activities in developing as well as developed countries, favouring female empowerment. Despite the loans being relatively small, the widespread use of this instrument merits analyzing the factors affecting the microloan. One of these factors is gender because microloans are an important tool to finance projects promoted by women in many developing countries where microfinance is widely diffused. This research aims to determine if the gender of crowdfunded micro-borrowers is related to the main features which define the conditions of a microloan: amount, term, number of lenders, length of time to contact with borrowers and repayment system.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas<\/strong> (Papers<\/em>) de Joaqu\u00edn L\u00f3pez Pascual<\/strong>: <\/p>\n\n\n\norcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n\n<\/div>\n<\/div>Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n![](\"https:\/\/i0.wp.com\/www.joaquinlopezpascual.com\/wp-content\/uploads\/2022\/12\/paper-aims.png?fit=141%2C202&ssl=1\")
<\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>Staggered loans: A flexible modality of long-term financing for SMEs in global health emergencies.<\/h4><\/div>\nSalvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual <\/strong>and Emilio Santandreu. Staggered loans: A flexible modality of long-term financing for SMEs in global health emergencies. (Quantitative Finance and Economics).<\/em><\/p>\n\n\n\nThe context of this paper is the unprecedented global situation which has been and is still experiencing all countries all over the world, due to the pandemic caused by Covid-19 and its variants. Apart from the important problem of health population, all countries are facing a sharp reduction in their main economic indicators: stock indices, GDP (Gross Domestic Product), rates of employment, closing down of businesses, etc.<\/p>\n\n\n\n
Results: In this paper, we have presented and mathematically analyzed the so-called staggered loans as a useful tool for SMEs to be applied after times of crisis. Moreover, their pros and cons, and the advantages for lenders and borrowers have been highlighted.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas<\/strong> (Papers<\/em>) Joaqu\u00edn L\u00f3pez Pascual ORCID<\/strong>: https:\/\/orcid.or\/\/0000-0002-6236-9853<\/a><\/p>\n\n\n\nAccede a Papers<\/em> de Joaqu\u00edn L\u00f3pez Pascual:<\/p>\n\n\n\n
<\/a><\/span><\/div><\/div><\/div><\/div><\/div>- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
Sustainable metaverse ecosystems: from ESG compliance to multilayer network scalability<\/h4><\/div>
\nRoberto Moro-Visconti, Salvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual & Javier S\u00e1nchez Garc\u00eda<\/p>\n\n\n\n
This study examines the emerging sustainability of metaverse ecosystems, which combine multiple virtual and augmented reality spaces where users interact. ESG criteria, which align with the Sustainable Development Goals and promote economic and financial sustainability, represent best practice standards for screening and backing viable projects. The research focus begins with the historical ESG scoring of metaverse-prone BigTechs, demonstrating that they are more sustainable than traditional firms, as evidenced by the increase in the probability of payment between traditional clients and suppliers. Multilayer networks are then introduced, incorporating the scalability features of new nodes (avatars) and links that make the metaverse economically sustainable. The strongest ESG issues concern the social and governance component: access to the metaverse is hardened by authoritarian regimes, or ludopathies may be exacerbated by 3D dependence, detaching addicted surfers from the real world. Our findings show that integrating multilayer network theory with ESG metrics not only promotes economic sustainability but also supports governance innovations that drive digital inclusivity. By integrating ESG metrics with multilayer network theory, this research enhances economic sustainability and reveals governance innovations that foster digital inclusivity, strengthening the metaverse’s long-term viability.<\/p>\n\n\n\n
<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
Digitalization intensity and its impact on financial performance:The role of scalable platforms<\/h4><\/div>
\nRoberto Moro-Visconti, Javier S\u00e1nchez Garc\u00eda, Joaqu\u00edn L\u00f3pez Pascual, Salvador Cruz Rambaud<\/em><\/p>\n\n\n\n
This research investigates the impact of digital platforms on financial and economic outcomes, emphasizing EBITDA, market capitalization, and the capacity for debt financing. The research illustrates that digital platforms enhance revenue streams while simultaneously decreasing operational expenditures, thereby leading to an overall enhancement in financial performance. Utilizing a dynamic panel data methodology, the results demonstrate the temporal impacts of digital platforms on key financial indicators. Furthermore, it explores the complex interplay between digital intensity and marginal benefits, offering practical ideas for companies seeking to enhance both scalability and funding opportunities. By analyzing differing levels of digital intensity, we illustrate how scalability influences financial margins and market capitalization. The results imply that organizations adopting digital platforms are more inclined to secure long-term economic viability and financing capability through improved efficiencies in data processing and strategic decision-making. However, investing in digitalization has an optimal point from where it shows diminishing returns.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas (papers)\u00a0Joaqu\u00edn L\u00f3pez Pascual<\/a><\/strong>:<\/p>\n\n\n\n
orcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n\n<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
Understanding the date-delay efect: demographic and behavioral insights in intertemporal choice<\/h4><\/div>
\nPiedad Ortiz Fern\u00e1ndez, Isabel Mar\u00eda Parra Oller, Salvador Cruz Rambaud & Joaqu\u00edn L\u00f3pez Pascual<\/em><\/p>\n\n\n\n
This paper contributes to the literature on intertemporal choice in diferent ways, by enhancing both the theoretical and empirical understanding of the date\u2013delay efect. First, we shed light on the date\u2013delay efect, an anomaly which has been previously underexplored, by proposing a novel mathematical defnition which incorporates the property of non-separability between amount and time. This defnition, supported by our empirical analysis, opens new avenues for developing mathematical models which account for this anomaly and provide a more accurate representation of intertemporal decisions. Second, we demonstrate for the frst time that individuals make decisions by considering time and amount jointly rather than separately in the date scenario.<\/p>\n\n\n\n
<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
Artificial intelligence-driven scalability and its impact on the sustainability and valuation of traditional firms<\/h4><\/div>
\nRoberto Moro-Visconti, Salvador Cruz Rambaud & Joaqu\u00edn L\u00f3pez Pascual<\/em><\/p>\n\n\n\n
The objective of this study is to determine the impact of artificial intelligence (AI) on the earnings before interest, taxes, depreciation, and amortization (EBITDA) of firms as a proxy of their financial and economic margins by improving revenues and minimizing expenses. This impact is positive on the market value and scalability by improving the economic and financial sustainability of companies. The methodology is based on a business plan that considers the savings obtained by a traditional firm implementing AI. Specifically, a sensitivity analysis will demonstrate that AI savings impact key parameters, leading to economic and financial sustainability. Additionally, a mathematical interpretation, based on network theory, will be produced to provide and compare the added value of two ecosystems (without and with AI that adds up new nodes and strengthens the existing ones). The main contribution of this paper is the combination of two unrelated approaches, showing the potential of AI in scalable ecosystems. In future research, this innovative methodology could be extended to other technological applications.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas (papers) Joaqu\u00edn L\u00f3pez Pascual<\/a><\/strong>: <\/p>\n\n\n\n
orcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n<\/div>\n<\/div>Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
Insurtech, Proptech & Fintech Environment. Sustainability, Global Trends and Opportunities<\/h4><\/div>
\nEdited by: Salvador Cruz Rambaud and Joaqu\u00edn L\u00f3pez Pascual (August 2023)<\/p>\n\n\n\n
The relationship between fintech and sustainability and the different areas of collaboration between fintechs and sustainable finance were the main focus of this publication, highlighting how fintechs may play pivotal roles in the pathway towards a sustainable future. As a result of transformation in the traditional banking and finance industry because of fintech disruption, many new opportunities have been created. Thus, banks are investing heavily in technology to implement real-time payment systems, partnering with fintech firms to do so. The opportunities for growth and development are endless, and the potential for high rewards is great. Fintech companies are moving to the forefront of emerging technologies and working in this sector can provide access to the latest innovations. Due to those new opportunities and global trends pointed out in this publication, the financial industry will likely not be the same anymore.<\/p>\n<\/div>
Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA<\/h4><\/div>
\nSalvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual & Emilio M. Santandreu. A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA. (Financial Innovation)<\/p>\n\n\n\n
The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients\u2019 profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower\u2019s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. <\/p>\n\n\n\n
<\/div>\n\n\n\norcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n\n<\/div>\n<\/div>Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
Should gender be a determinant factor for granting crowdfunded microloans?<\/h4><\/div>
\nSalvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual<\/strong>, Roberto Moro-Visconti & Emilio M. Santandreu. Should gender be a determinant factor for granting crowdfunded microloans?. (Humanities & Social Sciences Communications)<\/em><\/p>\n\n\n\n
Crowdfunded microloans are a suitable tool for financing basic economic activities in developing as well as developed countries, favouring female empowerment. Despite the loans being relatively small, the widespread use of this instrument merits analyzing the factors affecting the microloan. One of these factors is gender because microloans are an important tool to finance projects promoted by women in many developing countries where microfinance is widely diffused. This research aims to determine if the gender of crowdfunded micro-borrowers is related to the main features which define the conditions of a microloan: amount, term, number of lenders, length of time to contact with borrowers and repayment system.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas<\/strong> (Papers<\/em>) de Joaqu\u00edn L\u00f3pez Pascual<\/strong>: <\/p>\n\n\n\n
orcid.org\/0000-0002-6236-9853<\/a><\/div>\n\n\n\n\n<\/div>\n<\/div>Go to the Magazine<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li>\n- <\/span><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>
Staggered loans: A flexible modality of long-term financing for SMEs in global health emergencies.<\/h4><\/div>
\nSalvador Cruz Rambaud, Joaqu\u00edn L\u00f3pez Pascual <\/strong>and Emilio Santandreu. Staggered loans: A flexible modality of long-term financing for SMEs in global health emergencies. (Quantitative Finance and Economics).<\/em><\/p>\n\n\n\n
The context of this paper is the unprecedented global situation which has been and is still experiencing all countries all over the world, due to the pandemic caused by Covid-19 and its variants. Apart from the important problem of health population, all countries are facing a sharp reduction in their main economic indicators: stock indices, GDP (Gross Domestic Product), rates of employment, closing down of businesses, etc.<\/p>\n\n\n\n
Results: In this paper, we have presented and mathematically analyzed the so-called staggered loans as a useful tool for SMEs to be applied after times of crisis. Moreover, their pros and cons, and the advantages for lenders and borrowers have been highlighted.<\/p>\n\n\n\n
Art\u00edculos en revistas cient\u00edficas<\/strong> (Papers<\/em>) Joaqu\u00edn L\u00f3pez Pascual ORCID<\/strong>: https:\/\/orcid.or\/\/0000-0002-6236-9853<\/a><\/p>\n\n\n\n
Accede a Papers<\/em> de Joaqu\u00edn L\u00f3pez Pascual:<\/p>\n\n\n\n