{"id":2765,"date":"2015-12-14T09:07:57","date_gmt":"2015-12-14T09:07:57","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=2765"},"modified":"2017-11-20T16:57:46","modified_gmt":"2017-11-20T16:57:46","slug":"unificacion-en-la-informacion-sobre-costos-financieros","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/","title":{"rendered":"Unificaci\u00f3n en la informaci\u00f3n sobre costos financieros"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/2765?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=\"Ver PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/2765?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=\"Imprimir contenido\" \/><\/a><\/div><p>El Gobierno Nacional de Colombia establece mediante esta norma nuevas reglas aplicables al Valor Total Unificado (VTU) de los productos financieros, creado por la Ley 1748 de 2014, (analizada en <a href=\"http:\/\/progresomicrofinanzas.org\/informacion-transparente-para-los-consumidores-financieros\/\">Progreso 2<\/a>, y en l\u00ednea con la Resoluci\u00f3n sobre transparencia de la informaci\u00f3n, en <a href=\"http:\/\/progresomicrofinanzas.org\/transparencia-de-la-informacion\/\">Progreso 1<\/a> ) que obliga a las entidades financieras a presentar de manera unificada a sus clientes actuales y potenciales los costos financieros de los productos que ofrecen al mercado. Entre los puntos regulados, encontramos la divisi\u00f3n del VTU entre operaciones activas (VTUA) y pasivas (VTUP) de las entidades financieras.<\/p>\n<p>El VTUA se expresar\u00e1 en t\u00e9rminos porcentuales y su resultante en pesos colombianos, e incluye las cuotas del cr\u00e9dito, primas de seguros, comisiones y cualesquiera otros costos financieros que el cliente potencial tenga que pagar a la entidad financiera, a lo largo de la vida de la operaci\u00f3n activa, en virtud de la obligaci\u00f3n, y que sea inherente o se encuentre asociado a la misma.<\/p>\n<p>Cabe recordar que el VTU se debe informar tanto a clientes actuales como potenciales y va de la mano con el reporte anual de costos que s\u00f3lo concierne a clientes vigentes de las entidades vigiladas por la Superintendencia Financiera de Colombia.<\/p>\n<h3><strong>El VTU como herramienta de Educaci\u00f3n Financiera<\/strong><\/h3>\n<p><strong>\u00a0<\/strong>Esta norma hace parte del programa de educaci\u00f3n financiera que el Gobierno Colombiano ha impulsado en los \u00faltimos a\u00f1os, buscando informar al consumidor financiero sobre los verdaderos costos financieros de los productos que adquiere en el sistema financiero.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Gobierno Nacional de Colombia establece mediante esta norma nuevas reglas aplicables al Valor Total Unificado (VTU) de los productos financieros, creado por la Ley 1748 de 2014, (analizada en Progreso 2, y en l\u00ednea con la Resoluci\u00f3n sobre transparencia de la informaci\u00f3n, en Progreso 1 ) que obliga a las entidades financieras a presentar [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":2767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[296,208,300,299,209,298,240,297,260,295],"class_list":["post-2765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-clientes","tag-colombia","tag-comisiones","tag-consumidor-financiero","tag-costos-financieros","tag-educacion-financiera","tag-mercado","tag-prima-de-seguros","tag-productos-financieros","tag-valor-total-unificado","numero-5m","seccion-legislacion-normas-publicadas-microfinanzas","pais-colombia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Unificaci\u00f3n en la Informaci\u00f3n sobre Costos Financieros<\/title>\n<meta name=\"description\" content=\"El Decreto 1854\/2015 obliga a las entidades financieras a presentar de manera unificada los costos financieros de los productos que ofrecen al mercado\" \/>\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\/unificacion-en-la-informacion-sobre-costos-financieros\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Unificaci\u00f3n en la Informaci\u00f3n sobre Costos Financieros\" \/>\n<meta property=\"og:description\" content=\"El Decreto 1854\/2015 obliga a las entidades financieras a presentar de manera unificada los costos financieros de los productos que ofrecen al mercado\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/\" \/>\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=\"2015-12-14T09:07:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-11-20T16:57:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1182\" \/>\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=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"karessa Ramos\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/\"},\"author\":{\"name\":\"karessa Ramos\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\"},\"headline\":\"Unificaci\u00f3n en la informaci\u00f3n sobre costos financieros\",\"datePublished\":\"2015-12-14T09:07:57+00:00\",\"dateModified\":\"2017-11-20T16:57:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/\"},\"wordCount\":262,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg\",\"keywords\":[\"clientes\",\"Colombia\",\"comisiones\",\"consumidor financiero\",\"costos financieros\",\"educaci\u00f3n financiera\",\"mercado\",\"prima de seguros\",\"productos financieros\",\"valor total unificado\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/\",\"name\":\"Unificaci\u00f3n en la Informaci\u00f3n sobre Costos Financieros\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg\",\"datePublished\":\"2015-12-14T09:07:57+00:00\",\"dateModified\":\"2017-11-20T16:57:46+00:00\",\"description\":\"El Decreto 1854\/2015 obliga a las entidades financieras a presentar de manera unificada los costos financieros de los productos que ofrecen al mercado\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg\",\"width\":1182,\"height\":800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Unificaci\u00f3n en la informaci\u00f3n sobre costos financieros\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#website\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/\",\"name\":\"Revista Progreso\",\"description\":\"Revista de Actualidad Jur\u00eddica\",\"publisher\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#organization\"},\"alternateName\":\"Revista Progreso\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#organization\",\"name\":\"Revista Progreso\",\"alternateName\":\"Revista Progreso\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#\/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\/#\/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\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\",\"name\":\"karessa Ramos\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#\/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\/author\/karessa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Unificaci\u00f3n en la Informaci\u00f3n sobre Costos Financieros","description":"El Decreto 1854\/2015 obliga a las entidades financieras a presentar de manera unificada los costos financieros de los productos que ofrecen al mercado","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\/unificacion-en-la-informacion-sobre-costos-financieros\/","og_locale":"es_ES","og_type":"article","og_title":"Unificaci\u00f3n en la Informaci\u00f3n sobre Costos Financieros","og_description":"El Decreto 1854\/2015 obliga a las entidades financieras a presentar de manera unificada los costos financieros de los productos que ofrecen al mercado","og_url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/","og_site_name":"Progreso","article_publisher":"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","article_published_time":"2015-12-14T09:07:57+00:00","article_modified_time":"2017-11-20T16:57:46+00:00","og_image":[{"width":1182,"height":800,"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg","type":"image\/jpeg"}],"author":"karessa Ramos","twitter_card":"summary_large_image","twitter_creator":"@FMBBVA","twitter_site":"@FMBBVA","twitter_misc":{"Escrito por":"karessa Ramos","Tiempo de lectura":"1 minuto"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#article","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/"},"author":{"name":"karessa Ramos","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf"},"headline":"Unificaci\u00f3n en la informaci\u00f3n sobre costos financieros","datePublished":"2015-12-14T09:07:57+00:00","dateModified":"2017-11-20T16:57:46+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/"},"wordCount":262,"commentCount":0,"publisher":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#organization"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg","keywords":["clientes","Colombia","comisiones","consumidor financiero","costos financieros","educaci\u00f3n financiera","mercado","prima de seguros","productos financieros","valor total unificado"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/","name":"Unificaci\u00f3n en la Informaci\u00f3n sobre Costos Financieros","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg","datePublished":"2015-12-14T09:07:57+00:00","dateModified":"2017-11-20T16:57:46+00:00","description":"El Decreto 1854\/2015 obliga a las entidades financieras a presentar de manera unificada los costos financieros de los productos que ofrecen al mercado","breadcrumb":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#primaryimage","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2015\/11\/costos-de-servicios-financieros1.jpg","width":1182,"height":800},{"@type":"BreadcrumbList","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/unificacion-en-la-informacion-sobre-costos-financieros\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/"},{"@type":"ListItem","position":2,"name":"Unificaci\u00f3n en la informaci\u00f3n sobre costos financieros"}]},{"@type":"WebSite","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#website","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/","name":"Revista Progreso","description":"Revista de Actualidad Jur\u00eddica","publisher":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#organization"},"alternateName":"Revista Progreso","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#organization","name":"Revista Progreso","alternateName":"Revista Progreso","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#\/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\/#\/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\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf","name":"karessa Ramos","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/#\/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\/author\/karessa\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/2765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/comments?post=2765"}],"version-history":[{"count":0,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/2765\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/media\/2767"}],"wp:attachment":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/media?parent=2765"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/tags?post=2765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}