{"id":4996,"date":"2016-06-10T07:54:18","date_gmt":"2016-06-10T07:54:18","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/en\/?p=4996"},"modified":"2017-11-20T11:24:34","modified_gmt":"2017-11-20T11:24:34","slug":"rules-for-formalising-registry-and-checking-collateral","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/","title":{"rendered":"Rules for formalising, registry and checking collateral"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4996?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4996?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p><span style=\"font-weight: 400;\">The Rules for the Formalisation, Registry and Checking of Collateral set out new procedures that financial intermediation institutions must follow in order to manage different types of collateral; it has been prepared in response to the provisions in the Asset Valuation Regulation and to take into account the new law\u2019s dispositions over the development of the mortgage and trust market in the Dominican Republic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Asset Valuation Regulation (REA in the Spanish acronym), which came into force on 29th December 2004, established the procedure by which financial intermediation companies handled different types of collateral that underpin the loans. After setting up the trust market, with the passing of Law 189\/11 on the Development of the Mortgage and Trust Market in the Dominican Republic, and the regulations on Collateral and Trust Agents (16<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> July 2011), the REA regulation needed to be updated. The banking watchdog decided to prepare a set of rules to bring together all the REA provisions concerning collateral, and to include the previsions on trusts in the same document.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On 15th March 2016 the \u201cRules on Formalisation, Registry and Checking of Collateral\u201d came into force, by virtue of SIB Circular 002\/16, having determined that \u201cfinancial intermediation institutions should have appropriate policies and procedures in place in order to manage collateral received to underwrite credit transactions, with the aim of ensuring that this collateral serves at all times to mitigate effectively the credit risk assumed\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Rules establish the procedure that financial intermediation institutions should follow to manage multiple security transactions, sets a clear position as to the admissibility or not of letters of proof, establishes minimum requirements and criteria for the initial valuation and formalisation of collateral, and unifies criteria for the transactional and accounting records of this collateral. \u00a0It will be applicable to multiple banks, banks offering savings and loans, credit corporations, savings &amp; loans associations and to public-sector financial intermediaries.<\/span><\/p>\n<p><b>Collateral, formalisation and filing<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The types of collateral covered in the new rules are: cash deposits and financial instruments, real estate, moveable goods and fiduciary warranties. For the formalization process, a series of requirements, fully explained in the rules, must be met. Financial intermediation institutions must file the transaction with the book entry for collateral received, complying with the stipulations in the \u201c<\/span><i><span style=\"font-weight: 400;\">Accounting Manual for Financial Institutions<\/span><\/i><span style=\"font-weight: 400;\">\u201d, issued by the regulator.<\/span><\/p>\n<p><b>Monitoring and control<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Amongst other new requirements, \u201cfinancial intermediation institutions must set up policies and procedures to identify particular situations or events that may give rise to the potential impairment of the collateral received, with the purpose of taking corrective measures at an early stage\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the provisions are breached, the rules refer the reader to the sanctions established by the banking watchdog in Law 183-02, Monetary and Financial Code, 21<\/span><span style=\"font-weight: 400;\">st<\/span><span style=\"font-weight: 400;\"> November 2002 and the Regulations on Sanctions, 18<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> December 2010 and subsequent updates.<\/span><\/p>\n<p><b><i>\u00a0<\/i><\/b><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Rules for the Formalisation, Registry and Checking of Collateral set out new procedures that financial intermediation institutions must follow in order to manage different types of collateral; it has been prepared in response to the provisions in the Asset Valuation Regulation and to take into account the new law\u2019s dispositions over the development of [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":4773,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[474,764,413,1133,1134,1251],"class_list":["post-4996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-banking-supervisor","tag-collateral","tag-dominican-republic","tag-formalisation-procedure","tag-registry-and-control","tag-rules","numero-7-en","seccion-published-and-draft-legislation-microfinance","pais-dominican-republic"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rules for formalising, registry and checking collateral<\/title>\n<meta name=\"description\" content=\"New procedures have been set up for financial intermediation institutions to manage different types of collateral.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rules for formalising, registry and checking collateral\" \/>\n<meta property=\"og:description\" content=\"New procedures have been set up for financial intermediation institutions to manage different types of collateral.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/\" \/>\n<meta property=\"og:site_name\" content=\"Progreso\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\" \/>\n<meta property=\"article:published_time\" content=\"2016-06-10T07:54:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-11-20T11:24:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"925\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"karessa Ramos\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:site\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"karessa Ramos\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/\"},\"author\":{\"name\":\"karessa Ramos\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\"},\"headline\":\"Rules for formalising, registry and checking collateral\",\"datePublished\":\"2016-06-10T07:54:18+00:00\",\"dateModified\":\"2017-11-20T11:24:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/\"},\"wordCount\":471,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg\",\"keywords\":[\"Banking Supervisor\",\"collateral\",\"Dominican Republic\",\"formalisation procedure\",\"registry and control\",\"rules\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/\",\"name\":\"Rules for formalising, registry and checking collateral\",\"isPartOf\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg\",\"datePublished\":\"2016-06-10T07:54:18+00:00\",\"dateModified\":\"2017-11-20T11:24:34+00:00\",\"description\":\"New procedures have been set up for financial intermediation institutions to manage different types of collateral.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg\",\"width\":925,\"height\":800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Rules for formalising, registry and checking collateral\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website\",\"url\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\",\"name\":\"Revista Progreso\",\"description\":\"Legal news update\",\"publisher\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\"},\"alternateName\":\"Revista Progreso\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\",\"name\":\"Revista Progreso\",\"alternateName\":\"Revista Progreso\",\"url\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png\",\"width\":6173,\"height\":1001,\"caption\":\"Revista Progreso\"},\"image\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\",\"https:\/\/x.com\/FMBBVA\",\"https:\/\/www.linkedin.com\/company\/fundacin-microfinanzas-bbva\/\",\"https:\/\/www.instagram.com\/somosfmbbva\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\",\"name\":\"karessa Ramos\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g\",\"caption\":\"karessa Ramos\"},\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/author\/karessa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Rules for formalising, registry and checking collateral","description":"New procedures have been set up for financial intermediation institutions to manage different types of collateral.","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:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/","og_locale":"en_US","og_type":"article","og_title":"Rules for formalising, registry and checking collateral","og_description":"New procedures have been set up for financial intermediation institutions to manage different types of collateral.","og_url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/","og_site_name":"Progreso","article_publisher":"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","article_published_time":"2016-06-10T07:54:18+00:00","article_modified_time":"2017-11-20T11:24:34+00:00","og_image":[{"width":925,"height":800,"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg","type":"image\/jpeg"}],"author":"karessa Ramos","twitter_card":"summary_large_image","twitter_creator":"@FMBBVA","twitter_site":"@FMBBVA","twitter_misc":{"Written by":"karessa Ramos","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#article","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/"},"author":{"name":"karessa Ramos","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf"},"headline":"Rules for formalising, registry and checking collateral","datePublished":"2016-06-10T07:54:18+00:00","dateModified":"2017-11-20T11:24:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/"},"wordCount":471,"commentCount":0,"publisher":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg","keywords":["Banking Supervisor","collateral","Dominican Republic","formalisation procedure","registry and control","rules"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/","name":"Rules for formalising, registry and checking collateral","isPartOf":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg","datePublished":"2016-06-10T07:54:18+00:00","dateModified":"2017-11-20T11:24:34+00:00","description":"New procedures have been set up for financial intermediation institutions to manage different types of collateral.","breadcrumb":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#primaryimage","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/05\/rdo.jpg","width":925,"height":800},{"@type":"BreadcrumbList","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/rules-for-formalising-registry-and-checking-collateral\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/"},{"@type":"ListItem","position":2,"name":"Rules for formalising, registry and checking collateral"}]},{"@type":"WebSite","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website","url":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/","name":"Revista Progreso","description":"Legal news update","publisher":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization"},"alternateName":"Revista Progreso","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization","name":"Revista Progreso","alternateName":"Revista Progreso","url":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png","width":6173,"height":1001,"caption":"Revista Progreso"},"image":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","https:\/\/x.com\/FMBBVA","https:\/\/www.linkedin.com\/company\/fundacin-microfinanzas-bbva\/","https:\/\/www.instagram.com\/somosfmbbva\/"]},{"@type":"Person","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf","name":"karessa Ramos","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g","caption":"karessa Ramos"},"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/author\/karessa\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/comments?post=4996"}],"version-history":[{"count":0,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4996\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media\/4773"}],"wp:attachment":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media?parent=4996"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/tags?post=4996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}