This paper presents the challenges that must be assumed in the training of engineers so that these professionals have the hard and soft skills necessary to face the challenges of industry 4.0. The present demands professionals with high skills in new technologies, constantly changing, making universities mustreinforce their curricula for teaching so that learning can be permanent and effective. The permanent reinforcement in the curriculum, the focus on industrial and technological education, and a global vision will be the key for universities to achieve competitive professionals. For this work, the actions of some publicuniversities in the training of engineers were analyzed. Finally, an analysis of the strategies universities must assume so that future engineers have sufficient and necessary skills for modern industry is presented.

Purpose:  It was decided to determine the influence of credit card contracts on the right to information of customers of financial institutions, Peru.   Theoretical framework:  The violation of the right to information has become a habit on the part of financial entities, since the regulatory and supervisory entities do not comply with overseeing and sanctioning this type of companies, therefore, the theoretical background found allowed to go deeper into the subject.   Design/methodology/approach:  A quantitative methodology was considered, under a non-experimental descriptive correlational design, surveying 60 people, made up of 30 lawyers and 30 clients of financial entities, Peru.   Findings: The findings showed that when credit card contracts are prepared in an inadequate manner, which only benefits the financial institutions, clients' information rights will be inadequate. Likewise, a significance of less than 0.05 was reached.   Research, Practical & Social implications: Clauses that exclude legal rights have a direct and significant influence on the right to information of customers of financial institutions. Considering the Spanish legislation in article 32.3 of the new Credit Card Payment Services Law and in Colombian legislation in Article 333 of the Political Constitution of Colombia, by allowing private initiative to carry out economic activities and warning that it does not allow companies to abuse their position of dominance, Paradoxically, it grants the financial sector all the faculties and tools to define its excessive and exaggerated charges that harm a population that loses purchasing power every day. It is recommended that the legislative and executive powers reform the 1993 Political Constitution of Peru, where it should establish that small bills that cause economic damage to consumers of financial entities are prohibited.   Originality/value:  It is essential that the state supervisory entities verify compliance with the clauses of the contracts, since this ensures that the right to information of each client in the financial sector is not violated.

Purpose:  It was decided to determine the influence of credit card contracts on the right to information of customers of financial institutions, Peru.   Theoretical framework:  The violation of the right to information has become a habit on the part of financial entities, since the regulatory and supervisory entities do not comply with overseeing and sanctioning this type of companies, therefore, the theoretical background found allowed to go deeper into the subject.   Design/methodology/approach:  A quantitative methodology was considered, under a non-experimental descriptive correlational design, surveying 60 people, made up of 30 lawyers and 30 clients of financial entities, Peru.   Findings: The findings showed that when credit card contracts are prepared in an inadequate manner, which only benefits the financial institutions, clients' information rights will be inadequate. Likewise, a significance of less than 0.05 was reached.   Research, Practical & Social implications: Clauses that exclude legal rights have a direct and significant influence on the right to information of customers of financial institutions. Considering the Spanish legislation in article 32.3 of the new Credit Card Payment Services Law and in Colombian legislation in Article 333 of the Political Constitution of Colombia, by allowing private initiative to carry out economic activities and warning that it does not allow companies to abuse their position of dominance, Paradoxically, it grants the financial sector all the faculties and tools to define its excessive and exaggerated charges that harm a population that loses purchasing power every day. It is recommended that the legislative and executive powers reform the 1993 Political Constitution of Peru, where it should establish that small bills that cause economic damage to consumers of financial entities are prohibited.   Originality/value:  It is essential that the state supervisory entities verify compliance with the clauses of the contracts, since this ensures that the right to information of each client in the financial sector is not violated.

Bamboo is a plant from India, South America, and South Africa. It is a renewable resource because it does not need seeds for reproduction. Among its multiple uses, the best known is the use of wood, as well. It has culinary properties and is used for meals such as stews and salads. Bamboo is a natural resource that is a fundamental part of the development of the economy of rural communities in Peru. This research aimed to analyze the socioeconomic and environmental aspects that have to do with the cultivation of bamboo in the district of Imaza, specifically in the Native community of Umukai - Nazareth. The study sample consisted of bamboo producers from the Apacun Majai Agropiscícolas Association. This research was basic, non-experimental, with a quantitative approach. The methodology applied was a structured survey applied to the community under study. The main results showed that bamboo is part of the alternatives for the recovery and strengthening of soils due to its rapid growth, firmness in the earth, and carbon capture. In the same way, it was verified in the main results that bamboo favors the economic, productive, and social aspects of the studied community, contributing to sustainable rural development.