{"id":3559,"date":"2016-02-25T10:05:10","date_gmt":"2016-02-25T10:05:10","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=3559"},"modified":"2017-11-20T16:34:53","modified_gmt":"2017-11-20T16:34:53","slug":"objetivo-desincentivar-el-uso-del-efectivo","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/objetivo-desincentivar-el-uso-del-efectivo\/","title":{"rendered":"Desincentivos para el uso del efectivo"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/3559?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\/3559?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 legislativo colombiano estudia una serie de medidas que reduzcan el uso del efectivo en el pa\u00eds. Entre \u00e9stas, se contempla:<\/p>\n<ul>\n<li>Creaci\u00f3n de un aporte parafiscal, que grave transacciones realizadas con moneda corriente que superen el monto de declaraci\u00f3n de origen de fondos que la ley establece (operaciones en efectivo superiores a COP $10\u2019000.000,00, o USD $5.000, o su equivalente en otras monedas)<\/li>\n<li>Devoluci\u00f3n de puntos del Impuesto al Valor Agregado e Impuesto al Consumo por el uso de medios electr\u00f3nicos<\/li>\n<li>Obligatoriedad de uso de canales inform\u00e1ticos en pagos realizados y recibidos por el Estado.<\/li>\n<\/ul>\n<p>No obstante, es importante resaltar que el proyecto castiga el uso del efectivo en cualquier tipo de transacci\u00f3n, lo que incluye el realizar dep\u00f3sitos de dinero en entidades financieras, lo cual puede llegar a desacelerar el proceso de bancarizaci\u00f3n impulsado por el gremio financiero y el Estado Colombiano.<\/p>\n<p>Adicionalmente, las unidades productivas de las personas usuarias de productos microfinancieros, generalmente son de tipo informal y su principal fuente de ingreso se realiza en moneda corriente, por lo que siempre se hace uso del efectivo en el pago de sus obligaciones. Por lo dicho, resulta indispensable que la Superintendencia Financiera defina con mesura los l\u00edmites a partir de los cuales ser\u00e1n gravadas las transacciones donde se haga uso del efectivo, para evitar encarecer el microcr\u00e9dito y otros productos microfinancieros de manera indirecta.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El legislativo colombiano estudia una serie de medidas que reduzcan el uso del efectivo en el pa\u00eds. Entre \u00e9stas, se contempla: Creaci\u00f3n de un aporte parafiscal, que grave transacciones realizadas con moneda corriente que superen el monto de declaraci\u00f3n de origen de fondos que la ley establece (operaciones en efectivo superiores a COP $10\u2019000.000,00, o [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":3561,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[696,208,695,692,237,243,694,697,220,698,307,693],"class_list":["post-3559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-bancarizacion","tag-colombia","tag-depositos","tag-efectivo","tag-entidades-financieras","tag-microcredito","tag-moneda-corriente","tag-obligaciones","tag-productos-microfinancieros","tag-sfc","tag-superintendencia","tag-transacciones","numero-6m","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>Desincentivos para el uso del efectivo<\/title>\n<meta name=\"description\" content=\"Colombia busca reducir el uso del efectivo gravando las 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