{"id":5081,"date":"2025-04-24T10:34:33","date_gmt":"2025-04-24T10:34:33","guid":{"rendered":"https:\/\/indem.uc3m.es\/?post_type=members&#038;p=5081"},"modified":"2025-04-24T10:40:23","modified_gmt":"2025-04-24T10:40:23","slug":"miguel-usabel","status":"publish","type":"members","link":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/","title":{"rendered":"Miguel Usabel"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5081\" class=\"elementor elementor-5081\" data-elementor-post-type=\"members\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-669e12ab e-flex e-con-boxed e-con e-parent\" data-id=\"669e12ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5f7e8579 e-con-full e-flex e-con e-child\" data-id=\"5f7e8579\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2064afb8 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"2064afb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1074\" height=\"1074\" src=\"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293.png\" class=\"attachment-full size-full wp-image-5082\" alt=\"\" srcset=\"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293.png 1074w, https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293-300x300.png 300w, https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293-1024x1024.png 1024w, https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293-150x150.png 150w, https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293-768x768.png 768w\" sizes=\"(max-width: 1074px) 100vw, 1074px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29c681e3 elementor-widget elementor-widget-spacer\" data-id=\"29c681e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59e07676 elementor-hidden-mobile elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"59e07676\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:rosa.rodriguez@uc3m.es\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 64H48C21.49 64 0 85.49 0 112v288c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V112c0-26.51-21.49-48-48-48zm0 48v40.805c-22.422 18.259-58.168 46.651-134.587 106.49-16.841 13.247-50.201 45.072-73.413 44.701-23.208.375-56.579-31.459-73.413-44.701C106.18 199.465 70.425 171.067 48 152.805V112h416zM48 400V214.398c22.914 18.251 55.409 43.862 104.938 82.646 21.857 17.205 60.134 55.186 103.062 54.955 42.717.231 80.509-37.199 103.053-54.947 49.528-38.783 82.032-64.401 104.947-82.653V400H48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Email: usabel@emp.uc3m.es<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-map-marker-alt\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M172.268 501.67C26.97 291.031 0 269.413 0 192 0 85.961 85.961 0 192 0s192 85.961 192 192c0 77.413-26.97 99.031-172.268 309.67-9.535 13.774-29.93 13.773-39.464 0zM192 272c44.183 0 80-35.817 80-80s-35.817-80-80-80-80 35.817-80 80 35.817 80 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Direcci\u00f3n \/ oficina:C\/ Madrid, 126 - 28903 Getafe (Madrid) Spain \/ 1.2.B39<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tel\u00e9fono \/ fax: (34) 91 856 12 54<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-575ed329 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"575ed329\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ee87845 elementor-hidden-mobile elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4ee87845\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/x.com\/uc3m_business?lang=es\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"BUSINESS UC3M\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-x-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/x.com\/uc3m_business?lang=es\" >\n\t\t\t\t\t\t\tBUSINESS UC3M\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t@UC3M_BUSINESS\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6dc76b76 e-con-full e-flex e-con e-child\" data-id=\"6dc76b76\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31ee70aa elementor-widget elementor-widget-heading\" data-id=\"31ee70aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Migue Usabel<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68f95977 elementor-widget elementor-widget-heading\" data-id=\"68f95977\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Profesor de Econom\u00eda Financiera<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60b8ee84 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"60b8ee84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c37b115 uael-faq-box-layout-yes align-at-left elementor-widget elementor-widget-uael-faq\" data-id=\"4c37b115\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<div id='uael-faq-wrapper-127' class=\"uael-faq-wrapper\">\n\t\t\t\t<div class=\"uael-faq-container uael-faq-layout-accordion\" data-layout=\"accordion\" >\n\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-9984785\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-9984785 uael-question-span\" tabindex=\"0\" id=\"uael-faq-1-6a0ce8050cf3b\">Bio<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p>Todo esto empez\u00f3 siendo becario del MEyC del programa de Formaci\u00f3n de Profesorado Universitario e Investigador(1992).<br \/><br \/>He sido contratado como docente e investigador en \u00e1reas de estad\u00edstica y matem\u00e1tica actuarial en la Universidad Complutense de Madrid, Universidad San-Pablo CEU, University of Nebraska-Lincoln (USA), ICADE, Concordia University-Montreal (Canada), y Heriot-Watt University (UK).<br \/><br \/>Desde 1999 pertenezco al \u00e1rea de Econom\u00eda Financiera (Matem\u00e1tica Actuarial) en el Departamento de Econom\u00eda de la Empresa de la Universidad Carlos III de Madrid y actualmente soy Profesor Titular.<br \/><br \/>Tambi\u00e9n soy Director del Master en T\u00e9cnica y Pr\u00e1ctica Aseguradora y Actuarial Internacional en UC3M.<br \/><br \/>Mis investigaciones se centran en procesos estoc\u00e1sticos, principalmente en cruce de barreras y teor\u00eda de la ruina. Tambi\u00e9n me interesan los modelos de fluidos y phase-type \u00faltimamente. He hecho algunas contribuciones (sobre 15) en ASTIN Bulletin, Insurance: Mathematics and Economics (IME), Scandinavian Actuarial Journal (SAJ), Stochastic Processes and Their Applications y revistas internacionales similares.<br \/><br \/>Tambi\u00e9n ayudo como referee en ASTIN, IME, SAJ, The Journal of Actuarial Practice, Annals of Operational Research y en la American Mathematical Society.<br \/><br \/>En temas actuariales profesionales, soy miembro de la secci\u00f3n ASTIN de la Asociaci\u00f3n Actuarial Internacional, Affiliate Member of the Faculty of Actuaries (Scotland), Master Thesis supervisor en Msc. in Actuarial Mathematics en la Universidad Heriot-Watt, Edinburgh y desarrollo software profesional de valoraciones y c\u00e1lculo num\u00e9rico.<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-d109b97 elementor-hidden-desktop elementor-hidden-tablet e-flex e-con-boxed e-con e-parent\" data-id=\"d109b97\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56e0c555 elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"56e0c555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:%20rosa.rodriguez@uc3m.es\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 64H48C21.49 64 0 85.49 0 112v288c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V112c0-26.51-21.49-48-48-48zm0 48v40.805c-22.422 18.259-58.168 46.651-134.587 106.49-16.841 13.247-50.201 45.072-73.413 44.701-23.208.375-56.579-31.459-73.413-44.701C106.18 199.465 70.425 171.067 48 152.805V112h416zM48 400V214.398c22.914 18.251 55.409 43.862 104.938 82.646 21.857 17.205 60.134 55.186 103.062 54.955 42.717.231 80.509-37.199 103.053-54.947 49.528-38.783 82.032-64.401 104.947-82.653V400H48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Email: rosa.rodriguez@uc3m.es<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-map-marker-alt\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M172.268 501.67C26.97 291.031 0 269.413 0 192 0 85.961 85.961 0 192 0s192 85.961 192 192c0 77.413-26.97 99.031-172.268 309.67-9.535 13.774-29.93 13.773-39.464 0zM192 272c44.183 0 80-35.817 80-80s-35.817-80-80-80-80 35.817-80 80 35.817 80 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Direcci\u00f3n \/ oficina: C\/ Madrid, 126 - 28903 Getafe (Madrid) Spain \/ 6.0.43<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tel\u00e9fono \/ fax: (34) 91 624 86 41<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/rosa-rodriguez-lopez.es\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-link\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M326.612 185.391c59.747 59.809 58.927 155.698.36 214.59-.11.12-.24.25-.36.37l-67.2 67.2c-59.27 59.27-155.699 59.262-214.96 0-59.27-59.26-59.27-155.7 0-214.96l37.106-37.106c9.84-9.84 26.786-3.3 27.294 10.606.648 17.722 3.826 35.527 9.69 52.721 1.986 5.822.567 12.262-3.783 16.612l-13.087 13.087c-28.026 28.026-28.905 73.66-1.155 101.96 28.024 28.579 74.086 28.749 102.325.51l67.2-67.19c28.191-28.191 28.073-73.757 0-101.83-3.701-3.694-7.429-6.564-10.341-8.569a16.037 16.037 0 0 1-6.947-12.606c-.396-10.567 3.348-21.456 11.698-29.806l21.054-21.055c5.521-5.521 14.182-6.199 20.584-1.731a152.482 152.482 0 0 1 20.522 17.197zM467.547 44.449c-59.261-59.262-155.69-59.27-214.96 0l-67.2 67.2c-.12.12-.25.25-.36.37-58.566 58.892-59.387 154.781.36 214.59a152.454 152.454 0 0 0 20.521 17.196c6.402 4.468 15.064 3.789 20.584-1.731l21.054-21.055c8.35-8.35 12.094-19.239 11.698-29.806a16.037 16.037 0 0 0-6.947-12.606c-2.912-2.005-6.64-4.875-10.341-8.569-28.073-28.073-28.191-73.639 0-101.83l67.2-67.19c28.239-28.239 74.3-28.069 102.325.51 27.75 28.3 26.872 73.934-1.155 101.96l-13.087 13.087c-4.35 4.35-5.769 10.79-3.783 16.612 5.864 17.194 9.042 34.999 9.69 52.721.509 13.906 17.454 20.446 27.294 10.606l37.106-37.106c59.271-59.259 59.271-155.699.001-214.959z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sitio web personal<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/scholar.google.es\/citations?user=2RMEj_4AAAAJ&#038;hl=es\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-google\" viewBox=\"0 0 488 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M488 261.8C488 403.3 391.1 504 248 504 110.8 504 0 393.2 0 256S110.8 8 248 8c66.8 0 123 24.5 166.3 64.9l-67.5 64.9C258.5 52.6 94.3 116.6 94.3 256c0 86.5 69.1 156.6 153.7 156.6 98.2 0 135-70.4 140.8-106.9H248v-85.3h236.1c2.3 12.7 3.9 24.9 3.9 41.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Google Scholar<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-file-archive\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M128.3 160v32h32v-32zm64-96h-32v32h32zm-64 32v32h32V96zm64 32h-32v32h32zm177.6-30.1L286 14C277 5 264.8-.1 252.1-.1H48C21.5 0 0 21.5 0 48v416c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V131.9c0-12.7-5.1-25-14.1-34zM256 51.9l76.1 76.1H256zM336 464H48V48h79.7v16h32V48H208v104c0 13.3 10.7 24 24 24h104zM194.2 265.7c-1.1-5.6-6-9.7-11.8-9.7h-22.1v-32h-32v32l-19.7 97.1C102 385.6 126.8 416 160 416c33.1 0 57.9-30.2 51.5-62.6zm-33.9 124.4c-17.9 0-32.4-12.1-32.4-27s14.5-27 32.4-27 32.4 12.1 32.4 27-14.5 27-32.4 27zm32-198.1h-32v32h32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">CV<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fb6918c elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1fb6918c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/x.com\/uc3m_business?lang=es\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"BUSINESS UC3M\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-x-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/x.com\/uc3m_business?lang=es\" >\n\t\t\t\t\t\t\tBUSINESS UC3M\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t@UC3M_BUSINESS\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}}},"area":[19],"class_list":["post-5081","members","type-members","status-publish","hentry","area-finanzas-y-contabilidad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Miguel Usabel - INDEM - Departamento de Econom\u00eda de la Empresa<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Miguel Usabel - INDEM - Departamento de Econom\u00eda de la Empresa\" \/>\n<meta property=\"og:description\" content=\"Email: usabel@emp.uc3m.es Direcci\u00f3n \/ oficina:C\/ Madrid, 126 &#8211; 28903 Getafe (Madrid) Spain \/ 1.2.B39 Tel\u00e9fono \/ fax: (34) 91 856 12 54 BUSINESS UC3M @UC3M_BUSINESS Bio Todo esto empez\u00f3 siendo becario del MEyC del programa de Formaci\u00f3n de Profesorado Universitario e Investigador(1992). He sido contratado como docente e investigador en \u00e1reas de estad\u00edstica y matem\u00e1tica [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/\" \/>\n<meta property=\"og:site_name\" content=\"INDEM - Departamento de Econom\u00eda de la Empresa\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-24T10:40:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/\",\"url\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/\",\"name\":\"Miguel Usabel - INDEM - Departamento de Econom\u00eda de la Empresa\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/indem.uc3m.es\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/perfil-1487867293.png\",\"datePublished\":\"2025-04-24T10:34:33+00:00\",\"dateModified\":\"2025-04-24T10:40:23+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/#primaryimage\",\"url\":\"https:\\\/\\\/indem.uc3m.es\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/perfil-1487867293.png\",\"contentUrl\":\"https:\\\/\\\/indem.uc3m.es\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/perfil-1487867293.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/miguel-usabel\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Members\",\"item\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/members\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Miguel Usabel\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/\",\"name\":\"INDEM - Departamento de Econom\u00eda de la Empresa\",\"description\":\"A Journey to Excellence.\",\"publisher\":{\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/#organization\",\"name\":\"INDEM - Departamento de Econom\u00eda de la Empresa\",\"url\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/indem.uc3m.es\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-uc3m_Denom_InstitutoDeasrrollo_Empresarial-01.png\",\"contentUrl\":\"https:\\\/\\\/indem.uc3m.es\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-uc3m_Denom_InstitutoDeasrrollo_Empresarial-01.png\",\"width\":675,\"height\":129,\"caption\":\"INDEM - Departamento de Econom\u00eda de la Empresa\"},\"image\":{\"@id\":\"https:\\\/\\\/indem.uc3m.es\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Miguel Usabel - INDEM - Departamento de Econom\u00eda de la Empresa","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/","og_locale":"es_ES","og_type":"article","og_title":"Miguel Usabel - INDEM - Departamento de Econom\u00eda de la Empresa","og_description":"Email: usabel@emp.uc3m.es Direcci\u00f3n \/ oficina:C\/ Madrid, 126 &#8211; 28903 Getafe (Madrid) Spain \/ 1.2.B39 Tel\u00e9fono \/ fax: (34) 91 856 12 54 BUSINESS UC3M @UC3M_BUSINESS Bio Todo esto empez\u00f3 siendo becario del MEyC del programa de Formaci\u00f3n de Profesorado Universitario e Investigador(1992). He sido contratado como docente e investigador en \u00e1reas de estad\u00edstica y matem\u00e1tica [&hellip;]","og_url":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/","og_site_name":"INDEM - Departamento de Econom\u00eda de la Empresa","article_modified_time":"2025-04-24T10:40:23+00:00","og_image":[{"url":"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293.png","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/","url":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/","name":"Miguel Usabel - INDEM - Departamento de Econom\u00eda de la Empresa","isPartOf":{"@id":"https:\/\/indem.uc3m.es\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/#primaryimage"},"image":{"@id":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/#primaryimage"},"thumbnailUrl":"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293.png","datePublished":"2025-04-24T10:34:33+00:00","dateModified":"2025-04-24T10:40:23+00:00","breadcrumb":{"@id":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/#primaryimage","url":"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293.png","contentUrl":"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/04\/perfil-1487867293.png"},{"@type":"BreadcrumbList","@id":"https:\/\/indem.uc3m.es\/es\/members\/miguel-usabel\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/indem.uc3m.es\/es\/"},{"@type":"ListItem","position":2,"name":"Members","item":"https:\/\/indem.uc3m.es\/es\/members\/"},{"@type":"ListItem","position":3,"name":"Miguel Usabel"}]},{"@type":"WebSite","@id":"https:\/\/indem.uc3m.es\/es\/#website","url":"https:\/\/indem.uc3m.es\/es\/","name":"INDEM - Departamento de Econom\u00eda de la Empresa","description":"A Journey to Excellence.","publisher":{"@id":"https:\/\/indem.uc3m.es\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/indem.uc3m.es\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/indem.uc3m.es\/es\/#organization","name":"INDEM - Departamento de Econom\u00eda de la Empresa","url":"https:\/\/indem.uc3m.es\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/indem.uc3m.es\/es\/#\/schema\/logo\/image\/","url":"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/03\/cropped-uc3m_Denom_InstitutoDeasrrollo_Empresarial-01.png","contentUrl":"https:\/\/indem.uc3m.es\/wp-content\/uploads\/2025\/03\/cropped-uc3m_Denom_InstitutoDeasrrollo_Empresarial-01.png","width":675,"height":129,"caption":"INDEM - Departamento de Econom\u00eda de la Empresa"},"image":{"@id":"https:\/\/indem.uc3m.es\/es\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/indem.uc3m.es\/es\/wp-json\/wp\/v2\/members\/5081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/indem.uc3m.es\/es\/wp-json\/wp\/v2\/members"}],"about":[{"href":"https:\/\/indem.uc3m.es\/es\/wp-json\/wp\/v2\/types\/members"}],"version-history":[{"count":3,"href":"https:\/\/indem.uc3m.es\/es\/wp-json\/wp\/v2\/members\/5081\/revisions"}],"predecessor-version":[{"id":5087,"href":"https:\/\/indem.uc3m.es\/es\/wp-json\/wp\/v2\/members\/5081\/revisions\/5087"}],"wp:attachment":[{"href":"https:\/\/indem.uc3m.es\/es\/wp-json\/wp\/v2\/media?parent=5081"}],"wp:term":[{"taxonomy":"area","embeddable":true,"href":"https:\/\/indem.uc3m.es\/es\/wp-json\/wp\/v2\/area?post=5081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}