Miguel Miranda

enConfianza, S.A. de C.V. SOFOM ENR

The creation of wealth is an essential requirement for the sustainable and long-lasting attainment of a better standard of living. Without it, any company, individual, family or government has to resort to unsound indebtedness and/or to the assistance of a third party to survive. This just doesn't work in the medium and long term. Everyone, but especially companies, have to create wealth in order to be able to grow, to keep the jobs they create, to be competitive and to ensure they can continue to provide their products to society and to be responsive to the confidence of their shareholders and creditors. The result of an efficient operation –with clear goals and objectives- allows the company to create the value added that compensates the shareholders by paying dividends and/or increasing the value of their stock, the employees through their salaries and benefits, and the community by paying taxes and participating in social programs. En Confianza's participation in achieving a better quality of life for our customers and their communities must always be the result of making our operation profitable. It is the only way in which we can provide the ongoing and continuous loans they need. It is the only way we can have the resources required to participate in, and to promote, positive social programs. Our customers will become increasingly free as their productive activity and the supporting of their families depend more on their work rather than on the good will and support of a third party. There are many ways to make a profit: En Confianza seeks to do it honestly and fairly. We believe our strategies, our ability to adapt to change, the design of our products and services, our trained and motivated employees –together with a vision of excellence focused on medium and long-term results- make us different from the competition in a positive way from the stand point of customers.