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education in Peru has undergone changes in recent years, not because we have improved the quality, but because it has become an important investment in the families of all social classes . According to the study of intentions to buy 2011 prepared by ISIL, is in second place, surpassed only by food. According to INEI, the composition of the consumption basket, education went from being the seventh (1994) the second in 2009.

This increased demand for education led to the emergence of private institutions. Here in the lower sectors of society provide services of poor quality and that parents do not require, however, in classes A and B, the demand for quality is higher for what they are willing to pay monthly from S/650 and S/3000. The net proceeds of the private educational institutions have a net profit exceeding 30% of the amount of investment.

The pension of the 5 most expensive educational center of Lima are higher than that of the 5 most expensive universities in the city. There are 110 universities have been required to operate a minimum investment of $ 1.2 million . educational provision currently serves the wishes of a title, not the country's labor needs. The industry grows but labor demands are not met by the provision of education.

The key to solving this problem will combine efforts between government, employers and educational institutions.

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"Interbank growth has been the opposite of the other 'retailers' American. The usual practice is to first grow in the retail and financial products are then developed to increase profitability, as Falabella and Ripley have to launch their banks, "said Emilio Garcia, Professor of Business Strategy at the University of the Pacific.

IFH R-Holding Corp., created in December 2010 to improve the structure of retail business within the group have increased from one third of the equity value of Intergroup Financial Services Corp., which includes the bank Interbank, Interseguro insurance company and developer of shopping centers to overcome Royal Plaza-half of trading.

Its commitment to emerging markets with a growing middle class increasingly the demand and that increased per capita consumption is currently reaching U.S. $ 5,000 in a few years will double. That is the premise on which underpins the strategy of Interbank, both in the financial and the retail and real estate.

For as the country progresses economically, this holding would achieve beat the Chilean Falabella and Cencosud.

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