{"id":6199,"date":"2016-12-09T10:04:59","date_gmt":"2016-12-09T10:04:59","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/en\/?p=6199"},"modified":"2017-11-17T12:48:08","modified_gmt":"2017-11-17T12:48:08","slug":"financial-inclusion-with-the-opening-of-simplified-application-accounts","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/","title":{"rendered":"Simplified Application Accounts"},"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\/6199?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\/6199?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;\">This new regulation allows financial institutions to not require the physical presence of customers in a branch office and that they present certain documents in order to open a Simplified Application Account (SAA).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SAAs are deposit accounts, opened by institutions for natural persons qualified as low risk with a streamlined opening procedure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their aim is to widen financial inclusion to segments of the population that have not had access to financial services whilst also promoting the efficient and secure use of the national payments system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new regulation was published on 17th August this year and will pass into law in November 2016.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The main changes to SAAs are as follows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The financial institution must notify the customer at the outset or during the commercial relationship whether a physical visit is required or not.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If the customer does not comply, the institution should not open the account, product or service, make the transaction or have a commercial relationship.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A sworn income tax statement for the most recent tax period will be requested in the case of natural or legal persons with for-profit activities who are required to make a tax statement, high and medium-risk customers, and those who ought to be subject to greater scrutiny.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The information requirements in the case of low profile customers will be set by each banking institution, and approved by its own organ of administration.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The central bank of Costa Rica, BCCR, forecasts that SAAs will enable 35% of those citizens 15 or older who as of today are not in the formal financial system (1.4 million people) to open an SAA in a financial institution.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This new regulation allows financial institutions to not require the physical presence of customers in a branch office and that they present certain documents in order to open a Simplified Application Account (SAA). SAAs are deposit accounts, opened by institutions for natural persons qualified as low risk with a streamlined opening procedure. Their aim is [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":6131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[642,1647,666,1646,1648,1645,1758],"class_list":["post-6199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-inclusion-en-2","tag-bank-account","tag-costa-rica","tag-opening","tag-physical-visit","tag-reform","tag-sugef-en-2","numero-9-en","seccion-published-and-draft-legislation-microfinance","pais-costa-rica-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Simplified Application Accounts<\/title>\n<meta name=\"description\" content=\"Costa Rica. The reform supporting financial inclusion and promoting the efficient and secure use of the national payments system is passed.\" \/>\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\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simplified Application Accounts\" \/>\n<meta property=\"og:description\" content=\"Costa Rica. The reform supporting financial inclusion and promoting the efficient and secure use of the national payments system is passed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/\" \/>\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=\"2016-12-09T10:04:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-11-17T12:48:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"925\" \/>\n\t<meta property=\"og:image:height\" content=\"617\" \/>\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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/\"},\"author\":{\"name\":\"karessa Ramos\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\"},\"headline\":\"Simplified Application Accounts\",\"datePublished\":\"2016-12-09T10:04:59+00:00\",\"dateModified\":\"2017-11-17T12:48:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/\"},\"wordCount\":273,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg\",\"keywords\":[\"#inclusi\u00f3n\",\"bank account\",\"Costa Rica\",\"opening\",\"physical visit\",\"reform\",\"SUGEF\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/\",\"name\":\"Simplified Application Accounts\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg\",\"datePublished\":\"2016-12-09T10:04:59+00:00\",\"dateModified\":\"2017-11-17T12:48:08+00:00\",\"description\":\"Costa Rica. The reform supporting financial inclusion and promoting the efficient and secure use of the national payments system is passed.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg\",\"width\":925,\"height\":617},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simplified Application Accounts\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#website\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/\",\"name\":\"Revista Progreso\",\"description\":\"Legal news update\",\"publisher\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#organization\"},\"alternateName\":\"Revista Progreso\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#organization\",\"name\":\"Revista Progreso\",\"alternateName\":\"Revista Progreso\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.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:\/\/www.fundacionmicrofinanzasbbva.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:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\",\"name\":\"karessa Ramos\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.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":"Simplified Application Accounts","description":"Costa Rica. The reform supporting financial inclusion and promoting the efficient and secure use of the national payments system is passed.","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\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/","og_locale":"en_US","og_type":"article","og_title":"Simplified Application Accounts","og_description":"Costa Rica. The reform supporting financial inclusion and promoting the efficient and secure use of the national payments system is passed.","og_url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/","og_site_name":"Progreso","article_publisher":"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","article_published_time":"2016-12-09T10:04:59+00:00","article_modified_time":"2017-11-17T12:48:08+00:00","og_image":[{"width":925,"height":617,"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.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":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#article","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/"},"author":{"name":"karessa Ramos","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf"},"headline":"Simplified Application Accounts","datePublished":"2016-12-09T10:04:59+00:00","dateModified":"2017-11-17T12:48:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/"},"wordCount":273,"commentCount":0,"publisher":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#organization"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg","keywords":["#inclusi\u00f3n","bank account","Costa Rica","opening","physical visit","reform","SUGEF"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/","name":"Simplified Application Accounts","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg","datePublished":"2016-12-09T10:04:59+00:00","dateModified":"2017-11-17T12:48:08+00:00","description":"Costa Rica. The reform supporting financial inclusion and promoting the efficient and secure use of the national payments system is passed.","breadcrumb":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#primaryimage","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/11\/costa-rica.jpg","width":925,"height":617},{"@type":"BreadcrumbList","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-inclusion-with-the-opening-of-simplified-application-accounts\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/"},{"@type":"ListItem","position":2,"name":"Simplified Application Accounts"}]},{"@type":"WebSite","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#website","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/","name":"Revista Progreso","description":"Legal news update","publisher":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#organization"},"alternateName":"Revista Progreso","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#organization","name":"Revista Progreso","alternateName":"Revista Progreso","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fundacionmicrofinanzasbbva.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:\/\/www.fundacionmicrofinanzasbbva.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:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf","name":"karessa Ramos","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fundacionmicrofinanzasbbva.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\/6199","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=6199"}],"version-history":[{"count":0,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/6199\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media\/6131"}],"wp:attachment":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media?parent=6199"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/tags?post=6199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}