{"id":33,"date":"2015-05-12T11:48:42","date_gmt":"2015-05-12T11:48:42","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=33"},"modified":"2016-02-17T11:58:48","modified_gmt":"2016-02-17T11:58:48","slug":"acceso-al-credito-garantias-no-convencionales","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/acceso-al-credito-garantias-no-convencionales\/","title":{"rendered":"Acceso al cr\u00e9dito: Garant\u00edas no convencionales"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/33?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\/33?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>La presente Circular sobre la emisi\u00f3n del Reglamento de garant\u00edas no convencionales y modificaciones al Reglamento para la evaluaci\u00f3n y calificaci\u00f3n de cartera de cr\u00e9ditos, fue emitida por la Autoridad de Supervisi\u00f3n del Sistema Financiero (Asfi), el 6 de marzo de 2015, con el prop\u00f3sito de determinar los criterios y requisitos que deben ser considerados para que un prestatario pueda aportar garant\u00edas que faciliten su acceso al cr\u00e9dito.<\/p>\n<p>La norma establece qu\u00e9 garant\u00edas no convencionales pueden ser aceptadas para financiar actividades productivas, as\u00ed como los criterios que deben ser aplicados para su valoraci\u00f3n:<\/p>\n<ol>\n<li>Fondo de Garant\u00eda;<\/li>\n<li>Seguro Agrario;<\/li>\n<li>Documentos de propiedad en custodia de bienes inmuebles y predios rurales;<\/li>\n<li>Activos no sujetos a registro de propiedad;<\/li>\n<li>Contrato o documento de compromiso de venta de futuro;<\/li>\n<li>Avales o certificaciones de organismos comunitarios u organizaciones territoriales;<\/li>\n<li>Producto almacenado;<\/li>\n<li>Semoviente;<\/li>\n<li>Patente de propiedad intelectual.<\/li>\n<\/ol>\n<p>A pesar de que se configure esta lista de garant\u00edas, la presente resoluci\u00f3n tiene en cuenta la capacidad de pago del deudor como dato indispensable para poder otorgarle un cr\u00e9dito. Para la entidad financiera estas garant\u00edas \u00fanicamente tendr\u00e1n car\u00e1cter subsidiario.<\/p>\n<p>Una de las principales novedades que introduce esta disposici\u00f3n es la garant\u00eda relacionada con \u201clas creaciones de la mente humana\u201d (patente de propiedad intelectual). De esta forma, una invenci\u00f3n, obra literaria o art\u00edstica, s\u00edmbolo, etc. del prestatario puede servir como garant\u00eda para su acceso al cr\u00e9dito, siempre que se registre en el Servicio Nacional de Propiedad (Senapi).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La presente Circular sobre la emisi\u00f3n del Reglamento de garant\u00edas no convencionales y modificaciones al Reglamento para la evaluaci\u00f3n y calificaci\u00f3n de cartera de cr\u00e9ditos, fue emitida por la Autoridad de Supervisi\u00f3n del Sistema Financiero (Asfi), el 6 de marzo de 2015, con el prop\u00f3sito de determinar los criterios y requisitos que deben ser considerados [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-33","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-3m","seccion-legislacion-normas-publicadas-microfinanzas","pais-bolivia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Acceso al cr\u00e9dito: Garant\u00edas no convencionales<\/title>\n<meta name=\"description\" content=\"Acceso al cr\u00e9dito: Garant\u00edas no convencionales\" \/>\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\/acceso-al-credito-garantias-no-convencionales\/\" \/>\n<meta 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