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First Author:
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| Manuel Barron |
| Universidad del Pacífico |
| mf.barrona@up.edu.pe |
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| Av. Felipe Salaverry 2020, Jesus Maria |
| Lima, LIMA 11, Peru |
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| 012190100(Phone) |
| 012190100(Fax) |
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Second Author:
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| Daniela Caceres |
| Mibanco |
| d.cacereshuaman@alum.up.edu.pe |
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Third Author:
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| Melissa Valdivia |
| De Sammensluttede Vognmænd |
| m.valdiviaabanto@alum.up.edu.pe |
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