{"id":83,"date":"2015-05-12T13:11:35","date_gmt":"2015-05-12T13:11:35","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=83"},"modified":"2017-12-01T11:37:13","modified_gmt":"2017-12-01T11:37:13","slug":"que-ocurre-con-los-clientes-que-caen-en-mora","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/que-ocurre-con-los-clientes-que-caen-en-mora\/","title":{"rendered":"\u00bfQu\u00e9 ocurre con los clientes que caen en mora?"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/83?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\/83?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 presente estudio, realizado entre los a\u00f1os\u00a0 2013 y 2014 y publicado en febrero de este a\u00f1o, ha sido elaborado por \u201cThe Smart Campaign\u201d, campa\u00f1a internacional comprometida con la implementaci\u00f3n de pr\u00e1cticas de protecci\u00f3n al cliente en la cultura y operaciones del sector microfinanciero.<\/p>\n<p>El prop\u00f3sito de esta investigaci\u00f3n es analizar las posibles situaciones en las que se encuentra un cliente cuando no puede hacer frente al pago de una deuda, as\u00ed como investigar sobre el trato que reciben los deudores por parte de las instituciones microcrediticias. Para ello se ha tomado como referencia tres pa\u00edses con legislaciones, organismos de supervisi\u00f3n y circunstancias culturales y socio-econ\u00f3micas radicalmente diferentes: Per\u00fa, India y Uganda.<\/p>\n<p>&nbsp;<\/p>\n<p>El estudio pone de manifiesto que la calidad de trato que reciben los clientes depende en gran medida de las buenas pr\u00e1cticas de cada instituci\u00f3n financiera. Destaca que la existencia de una buena regulaci\u00f3n, entidades supervisoras y bur\u00f3s de cr\u00e9dito\u00a0 eficaces, as\u00ed como una cultura que respeta el pago de las deudas, favorece la configuraci\u00f3n de un sistema de cobranza de deuda m\u00e1s humano (\u201c<em>no avergonzar ni humillar a los deudores, tratarles con respeto, ser flexible en los plazos de devoluci\u00f3n y nunca privarles de sus necesidades b\u00e1sicas<\/em>\u201d).<\/p>\n<p>Supone un significativo an\u00e1lisis comparativo que elabora importantes recomendaciones en materia de protecci\u00f3n al cliente con el fin de mejorar las pr\u00e1cticas relacionadas con la cobranza de pr\u00e9stamos y la falta de pago.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El presente estudio, realizado entre los a\u00f1os\u00a0 2013 y 2014 y publicado en febrero de este a\u00f1o, ha sido elaborado por \u201cThe Smart Campaign\u201d, campa\u00f1a internacional comprometida con la implementaci\u00f3n de pr\u00e1cticas de protecci\u00f3n al cliente en la cultura y operaciones del sector microfinanciero. El prop\u00f3sito de esta investigaci\u00f3n es analizar las posibles situaciones en [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":10109,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-83","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-3m","seccion-documentos-de-interes-microfinanzas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 ocurre con los clientes que caen en mora?<\/title>\n<meta name=\"description\" content=\"\u00bfQu\u00e9 ocurre con los clientes que caen en mora?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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