While research on competence-based assessment has grown, scholars have conducted fewer studies on an integrative view of competence acquisition, in the context of the final year project, that have particularly addressed the meta-competence approach. This paper examines undergraduate business students’ perceived acquisition of competencies during the development of their final year project and tries to determine relevant differences among the set of competencies students’ value most. The study gathered quantitative data by using a questionnaire applied to students after their presentation of the final degree project at a Spanish Business School. The findings show the emergence of three profiles of students based on their competencies acquisition. The profiles display an interconnected relation and put forward some shortfalls in competence acquisition as well as propose an emerging profile of the meta-competent student.

This research describes the eventual credit constraints faced by households during the recession that broke out in 2008, using a set of variables that determines the credit such as the solvency and the NPL ratios. We develop a OLS model in order to estimate the rate of credit within an alternative scenario. Based on this new scenario, we suggest the impact of an alternative financial policy intervention on the credit rating, considering if it had taken place more decisively when compared to other European countries. The results acknowledged higher credit rate, which confirm a less abrupt evolution of the variables and a lower impact of the crisis.

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El trabajo estudia el comportamiento de la tasa de ahorro de los hogares en el período de 1985 a 2016. Se examinan las variables que la literatura considera que determinan la tasa de ahorro a largo plazo: renta, riqueza, desempleo, crédito y endeudamiento, ahorro público, estructura de la población, prestaciones sociales, tipos de interés y precios. Tras revisar la cointegración de las variables elegidas, proponemos cuatro especificaciones de la tasa de ahorro en función de sus determinantes a largo plazo: la renta permanente, la riqueza, el desempleo, el crédito, la tasa de dependencia y las prestaciones sociales. En el marco del modelo de corrección de error, contrastamos complementariamente la cointegración de las variables que confirman la validez del modelo. Los resultados muestran la especial relevancia a largo plazo de la tasa de dependencia que, como variable demográfica estructural, permite prever en cierta medida la evolución de la tasa de ahorro. Las prestaciones sociales, que muestran la importancia a largo plazo del sistema de prestaciones público, junto con el crédito y el desempleo, determinan la tasa de ahorro a largo plazo en consonancia con la fase del ciclo económico. La renta laboral-permanente incide sobre la tasa de ahorro especialmente en los cambios profundos de ciclo. La repercusión a largo plazo de la riqueza es de menor magnitud.