Descripción: “...This article examines the relationship between the sociodemographic variables of the population of the Municipality of Sincele-jo, with the level and use of financial transactions in the various channels of access to the financial system and trust in it; in order to prospectively analyze the success of Fintech operations, since they are made up of transactions in virtual channels different from the traditional ones of the banking system. ...”

Descripción: “...The first theory treats the underground economy problems, structures and changes in the laboral marketing. It shows than inmigrants in different cities do not find employment in modern economy; in this case, inmigrants look for subemployment.The next theory relates the underground economy and its incomes, shows that uneven incomes and high costs are translated  in obstacles to generate formal enterprises in the same way, regarding good and services demand and consumer low budgets prompt  background economy marketing.Another theory, claims the background economy as a result of the official system relates to the regulations and absence at regulations. ...”

Descripción: “...Colombia, influenciada desde sus orígenes por el sistema francés, sistema por demás rígido frente a la aplicación de la Ley como única fuente formal, indujo en nuestro país una interpretación igualmente rígida sobre las fuentes en la aplicación del derecho, de esta forma en nuestro ordenamiento la única fuente formal era la ley, subsidiariamente la costumbre, la jurisprudencia, los principios generales del derecho y la doctrina cumplían como criterios auxiliares de interpretación. ...”