<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2518-4431</journal-id>
<journal-title><![CDATA[Investigación & Desarrollo]]></journal-title>
<abbrev-journal-title><![CDATA[Inv. y Des.]]></abbrev-journal-title>
<issn>2518-4431</issn>
<publisher>
<publisher-name><![CDATA[UNIVERSIDAD PRIVADA BOLIVIANA]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2518-44312021000200045</article-id>
<article-id pub-id-type="doi">10.23881/idupbo.021.2-4e</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[RIESGO OPERATIVO EN EIFS BOLIVIANAS POR CONDUCTAS IMPROCEDENTES DE PROFESIONALES FORMADOS EN UNIVERSIDADES BOLIVIANAS]]></article-title>
<article-title xml:lang="en"><![CDATA[OPERATIONAL RISK IN BOLIVIAN EIFS FOR INAPPROPRIATE BEHAVIORS OF PROFESSIONALS TRAINED AT BOLIVIAN UNIVERSITIES]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Pereira Delgadillo]]></surname>
<given-names><![CDATA[Marcos Alfredo Alfonso]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,BANCOMUNIDAD  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2021</year>
</pub-date>
<volume>21</volume>
<numero>2</numero>
<fpage>45</fpage>
<lpage>62</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_arttext&amp;pid=S2518-44312021000200045&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_abstract&amp;pid=S2518-44312021000200045&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_pdf&amp;pid=S2518-44312021000200045&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN Un sistema financiero sólido, está sustentado por Entidades de Intermediación Financiera (EIFs), con profesionales cualificados que además deben contar con alta formación de valores. Sin embargo, se observa excesos cometidos por funcionarios de EIFs, debido entre otros aspectos, a la ausencia de ética y valores en el desempeño de sus funciones, sin ser la excepción las EIFs de Bolivia, existiendo alto &#8220;Riesgo Operativo&#8221;, de que estudiantes de universidades bolivianas que desean trabajar en EIFs incurran en similar situación. Este artículo propone un modelo conceptual con una serie de proposiciones teóricas que sugieren: a) que si un empleado de una EIF no ha recibido durante su proceso de formación universitaria, educación en valores, podría tener comportamientos improcedentes que generen eventos de riesgo operativo y consecuentemente pérdidas a EIFs bolivianas; b) que con un adecuado proceso de selección de personal, que incorpore test psicotécnicos en valores, se podría reducir el comportamiento improcedente y la probabilidad de eventos de riesgo operativo en el sistema de intermediación financiero y; c) que funcionarios de EIFs cuyos comportamientos éticos reflejan ciertos valores, tendrían menos comportamientos improcedentes.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT A strong financial system is supported by financial intermediation entities (EIFs), with qualified professionals who must also have high value formation. However, there are excesses committed by EIFs officials, due, among other aspects, to the lack of ethics and values in the performance of their duties, without being the exception of the EIFs of Bolivia, there being high "Operational Risk", that students from Bolivian universities who wish to work in EIFs incur a similar situation. This article proposes a conceptual model with a series of theoretical propositions suggesting: a) that if an EIF employee has not received during his university training process, education in values, he could have inappropriate behaviors that generate operational risk events and consequently losses to Bolivian EIFs; b) that with an appropriate staff selection process, incorporating psychotechnical tests into values, could reduce the inappropriate behavior and likelihood of operational risk events in the financial intermediation system and; c) that EIFs employees whose ethics behaviors reflect certain values, would have fewer inappropriate behaviors.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Enseñanza de Ética y Valores en Universidades]]></kwd>
<kwd lng="es"><![CDATA[Procesos de Selección de Personal]]></kwd>
<kwd lng="es"><![CDATA[Gastos Indeseados en Cuentas Contables]]></kwd>
<kwd lng="es"><![CDATA[Conductas No Éticas]]></kwd>
<kwd lng="es"><![CDATA[Riesgo Operativo EIFS Bolivianas]]></kwd>
<kwd lng="en"><![CDATA[Ethical and Values Cross-Cutting Teaching in Universities]]></kwd>
<kwd lng="en"><![CDATA[Recruitment Processes]]></kwd>
<kwd lng="en"><![CDATA[Unwanted Expenses in Accounting Accounts]]></kwd>
<kwd lng="en"><![CDATA[Inappropriate Behaviors]]></kwd>
<kwd lng="en"><![CDATA[Operational Risk Bolivian EIFs]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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