determinants that explaintheir investment degree at a national level; this mean, those factors thatinfluence in the remittances … destined to investment. Through an econometric model,it was possible to conclude that seven factors cause in a positive … anddirect form the investment percentage that a common remittancesrecipient agent can achieve in Ecuador. Taking in account the …

considerados y tramos de edad. = The study of the premium risk in the car insurance is really important because the insurance … market is very competitive. In this article we show a bonus-malus method of risk premiums. To do this, we use the Functional … applying the bonus-malus method that we have given, we are able to obtain the premium risk for different profiles and age …