0121-5051
0121-5051
S0121-50512022000100051
10.15446/innovar.v32n83.99886
España
Spain
Spain
00
03
2022
00
03
2022
32
83
51
62
[
2015
2
1
1
7-35
]
[
1996
4
185-206
]
[
2017
]
[
2013
38
32-49
]
[
2013
]
[
2006
6
4
4
475-90
]
[
Banco Sabadell
2019
]
[
Banco Santander
2021
]
[
Bankinter
2019
]
[
BBVA
2017
]
[
2005
24
2
2
151-72
]
[
2019
10
25-82
]
[
CaixaBank
2016
]
[
2020
9
1
1
20-39
]
[
Capital Humano
2018
335
80-90
]
[
2015
28
302
302
46-55
]
[
2005
90
5
5
928-44
]
[
1991
8
2
2
75-90
]
[
2014
3
1
1
47-61
]
[
2020
,
Tîrgu Murej, Rumania
]
[
2001
]
[
2013
20
5
5
355-73
]
[
2001
2
3
3
149-68
]
[
2013
II
35-51
]
[
2013
11
1
1
217-31
]
[
2010
23
118-53
]
[
2008
32
6
6
791-817
]
[
2019
]
[
2011
3012
33-42
]
[
2007
25
2
2
121-32
]
[
2013
117
16-23
]
[
2004
50
13-31
]
[
2002
]
[
1999
10
1
1
23-47
]
[
1998
1
1
1
137-64
]
[
Mapfre
2019
]
[
2014
3
2
2
101-16
]
[
2018
42-3
]
[
2020
75-96
]
[
2018
]
[
2009
37
328-44
]
[
2005
]
[
2017
5
1-9
]
[
2020
49
4
4
483-502
]
[
2005
14
1-2
1-2
341-58
]
[
1993
9
3
3
219-32
]
[
2021
3
1
1
49-77
]
[
2009
10
2
2
26
]
[
2015
21
3
3
295-310
]
[
2013
17-16
85-100
]
[
2012
8
2
2
275-307
]
[
2013
32
7
7
675-89
]
[
2007
14
17-34
]
[
2000
]