{"id":5880,"date":"2016-09-14T11:07:30","date_gmt":"2016-09-14T11:07:30","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/en\/?p=5880"},"modified":"2017-11-20T09:51:33","modified_gmt":"2017-11-20T09:51:33","slug":"greater-responsability-for-board-members","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/","title":{"rendered":"Greater responsibility for board members"},"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\/5880?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\/5880?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;\">On 1<\/span><span style=\"font-weight: 400;\">st<\/span><span style=\"font-weight: 400;\"> October 2016, the reform to <\/span><i><span style=\"font-weight: 400;\">Appendix IX of the <\/span><\/i><b><i>accounting circular 4\/2004,<\/i><\/b><span style=\"font-weight: 400;\"> passed in May this year by Spain\u2019s central bank <\/span><i><span style=\"font-weight: 400;\">Banco de Espa\u00f1a<\/span><\/i><span style=\"font-weight: 400;\"> (BE), will come into force. The revised text brings accounting regulations into line with the latest developments in banking regulation, keeping them fully compatible with the IFRS accounting framework.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Specifically, it strengthens areas affecting: i) policies, methodologies, procedures and criteria for managing credit risk, including those relative to collateral received, in accounting-related areas; ii) the accounting classification of transactions by credit risk, and iii) individual and collective provisioning estimates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The reform makes board members responsible for the approval of credit policies and for credit risk management criteria. Specifically, the reform stipulates that board members will have to:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0\u00a0\u00a0\u00a0\u00a0Approve credit risk management criteria, essentially in matters relating to provisioning, as well as assess, monitor and correct these criteria.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0\u00a0\u00a0\u00a0\u00a0Approve said credit policies in writing, specifying the information used to assess the financing transactions, the criteria used when provisioning and the internal procedures the bank has in place for reviewing levels of cover and the frequency with which they are revised.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0\u00a0\u00a0\u00a0\u00a0Approve in writing the policy for assessing the collateral behind the credits being originated. The BE will require board members to define the frequency and mechanisms with which they will verify any possible impairment to the value of these collaterals; it will also require them to justify the criteria for selecting the companies that carry out these valuations.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each institution\u2019s internal control bodies will review the methodologies and procedures applied and will regularly report on these to the Board, which has the final responsibility for communicating to the BE the corrective measures adopted.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This reform mirrors international trends on board members\u2019 responsibility and their interaction with senior management on specific strategic issues.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On 1st October 2016, the reform to Appendix IX of the accounting circular 4\/2004, passed in May this year by Spain\u2019s central bank Banco de Espa\u00f1a (BE), will come into force. The revised text brings accounting regulations into line with the latest developments in banking regulation, keeping them fully compatible with the IFRS accounting framework. [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":5656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[1498,1499,1780,1141,417,1502,414,1503,1500,1501,1184,420,399],"class_list":["post-5880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-accounting-circular","tag-appendix-ix","tag-banco-de-espana-en-2","tag-board-members","tag-board-of-directors","tag-collaterals","tag-corporate-governance","tag-credit-policies","tag-credit-risk","tag-ifrs","tag-responsibility","tag-risks","tag-spain","numero-8-en","seccion-published-and-draft-legislation-corporate-governance","pais-spain"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Greater responsibility for board members<\/title>\n<meta name=\"description\" content=\"On 1st October the reform to Appendix IX of the accounting circular 4\/2004, passed in May this year by Spain\u2019s central bank will come into force, promoting\" \/>\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\/greater-responsability-for-board-members\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Greater responsibility for board members\" \/>\n<meta property=\"og:description\" content=\"On 1st October the reform to Appendix IX of the accounting circular 4\/2004, passed in May this year by Spain\u2019s central bank will come into force, promoting\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/\" \/>\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=\"2016-09-14T11:07:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-11-20T09:51:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/34.249.117.129\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.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\/greater-responsability-for-board-members\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/\"},\"author\":{\"name\":\"karessa Ramos\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\"},\"headline\":\"Greater responsibility for board members\",\"datePublished\":\"2016-09-14T11:07:30+00:00\",\"dateModified\":\"2017-11-20T09:51:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/\"},\"wordCount\":305,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg\",\"keywords\":[\"accounting circular\",\"Appendix IX\",\"Banco de Espa\u00f1a\",\"board members\",\"board of directors\",\"collaterals\",\"corporate governance\",\"credit policies\",\"credit risk\",\"IFRS\",\"responsibility\",\"risks\",\"Spain\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/\",\"name\":\"Greater responsibility for board members\",\"isPartOf\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg\",\"datePublished\":\"2016-09-14T11:07:30+00:00\",\"dateModified\":\"2017-11-20T09:51:33+00:00\",\"description\":\"On 1st October the reform to Appendix IX of the accounting circular 4\/2004, passed in May this year by Spain\u2019s central bank will come into force, promoting\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg\",\"width\":925,\"height\":800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Greater responsibility for board members\"}]},{\"@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":"Greater responsibility for board members","description":"On 1st October the reform to Appendix IX of the accounting circular 4\/2004, passed in May this year by Spain\u2019s central bank will come into force, promoting","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\/greater-responsability-for-board-members\/","og_locale":"en_US","og_type":"article","og_title":"Greater responsibility for board members","og_description":"On 1st October the reform to Appendix IX of the accounting circular 4\/2004, passed in May this year by Spain\u2019s central bank will come into force, promoting","og_url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/","og_site_name":"Progreso","article_publisher":"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","article_published_time":"2016-09-14T11:07:30+00:00","article_modified_time":"2017-11-20T09:51:33+00:00","og_image":[{"width":925,"height":800,"url":"https:\/\/34.249.117.129\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.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\/greater-responsability-for-board-members\/#article","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/"},"author":{"name":"karessa Ramos","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf"},"headline":"Greater responsibility for board members","datePublished":"2016-09-14T11:07:30+00:00","dateModified":"2017-11-20T09:51:33+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/"},"wordCount":305,"commentCount":0,"publisher":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg","keywords":["accounting circular","Appendix IX","Banco de Espa\u00f1a","board members","board of directors","collaterals","corporate governance","credit policies","credit risk","IFRS","responsibility","risks","Spain"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/","name":"Greater responsibility for board members","isPartOf":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg","datePublished":"2016-09-14T11:07:30+00:00","dateModified":"2017-11-20T09:51:33+00:00","description":"On 1st October the reform to Appendix IX of the accounting circular 4\/2004, passed in May this year by Spain\u2019s central bank will come into force, promoting","breadcrumb":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#primaryimage","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/09\/banco-espana-1.jpg","width":925,"height":800},{"@type":"BreadcrumbList","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/greater-responsability-for-board-members\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/"},{"@type":"ListItem","position":2,"name":"Greater responsibility for board members"}]},{"@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\/5880","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=5880"}],"version-history":[{"count":0,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/5880\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media\/5656"}],"wp:attachment":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media?parent=5880"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/tags?post=5880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}