{"id":3564,"date":"2016-02-25T10:05:09","date_gmt":"2016-02-25T10:05:09","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=3564"},"modified":"2017-11-30T09:48:27","modified_gmt":"2017-11-30T09:48:27","slug":"nuevas-pautas-para-ofrecer-microcreditos-y-cobro-comision-mipyme","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/nuevas-pautas-para-ofrecer-microcreditos-y-cobro-comision-mipyme\/","title":{"rendered":"Pautas para microcr\u00e9ditos y cobro comisi\u00f3n MIPYME"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/3564?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\/3564?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 de Colombia, a trav\u00e9s del Ministerio de Comercio, Industria y Turismo, busca introducir nuevas obligaciones a cumplir por los operadores de microcr\u00e9ditos que quieran cobrar una Comisi\u00f3n Mipyme a sus clientes. Dentro de los temas tratados por la norma se incluye:<\/p>\n<ul>\n<li>Definici\u00f3n de honorarios y comisiones aplicables al microcr\u00e9dito<\/li>\n<li>Caracter\u00edsticas de las IMF (Instituciones Microfinancieras)<\/li>\n<li>Creaci\u00f3n de un registro centralizado de las IMF<\/li>\n<li>Procedimiento de solicitud de registro como IMF<\/li>\n<li>Cancelaci\u00f3n del registro como IMF<\/li>\n<li>Derechos y obligaciones derivadas de la inscripci\u00f3n como IMF<\/li>\n<\/ul>\n<p>De acuerdo con la ley, la comisi\u00f3n MIPYME remunera las actividades de conocimiento, seguimiento, acompa\u00f1amiento y educaci\u00f3n financiera al microempresario que realizan las IMF, las cuales son el insumo primordial del estudio de riesgo y viabilidad del microcr\u00e9dito, al tener como objeto a personas excluidas de los sistemas tradicionales de informaci\u00f3n financiera (centrales de riesgo).<\/p>\n<p>Para su cobro, es necesario que el monto de endeudamiento del cliente en el mercado no supere los 120 Salarios M\u00ednimos Mensuales Legales Vigentes (SMMLV) en Colombia (Aproximadamente COP $82\u2019734.480 = USD $27.579), el monto de la operaci\u00f3n puntual no supere los 25 SMMLV (Aproximadamente COP $17\u2019236.350 = USD $5.746); y su tarifa no podr\u00e1 ser superior al 7.5% anual sobre el saldo insoluto del cr\u00e9dito para cr\u00e9ditos inferiores a 4 SMMLV, o del 4.5% anual para los que igualen o superen dicho monto.<\/p>\n<p>La norma busca contrarrestar la pr\u00e1ctica de algunas IMF del mercado que realizan el cobro de la tasa especial y de la comisi\u00f3n MIPYME del microcr\u00e9dito, sin realizar los procesos de orientaci\u00f3n y asesor\u00eda que la ley impone al prestamista en este tipo de operaciones crediticias, impidiendo as\u00ed una colocaci\u00f3n irresponsable de este tipo de cartera en el mercado.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Gobierno de Colombia, a trav\u00e9s del Ministerio de Comercio, Industria y Turismo, busca introducir nuevas obligaciones a cumplir por los operadores de microcr\u00e9ditos que quieran cobrar una Comisi\u00f3n Mipyme a sus clientes. Dentro de los temas tratados por la norma se incluye: Definici\u00f3n de honorarios y comisiones aplicables al microcr\u00e9dito Caracter\u00edsticas de las IMF [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":3567,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[107,296,208,705,701,703,708,700,702,699,707,86,706,704],"class_list":["post-3564","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-comision","tag-clientes","tag-colombia","tag-endeudamiento","tag-imf","tag-instituciones-microfinancieras","tag-mercado-financiero","tag-microcreditos","tag-microfinancieras","tag-mipyme","tag-operaciones-crediticias","tag-riesgo","tag-tasas","tag-viabilidad","numero-6m","seccion-legislacion-normas-publicadas-microfinanzas","pais-colombia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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