{"text_format":"3","workbook":"xls","n_sheets":1,"sheets":["IEM-1.10.3"],"not_rendered":{"external_links":1,"defined_names":9},"read":"whole","date_system":"1900","formulas":"cached_only"}

{"sheet":"IEM-1.10.3","index":0,"n_rows":81,"n_cols":18,"rows_kept":81,"merged":[[1,0,1,17],[2,0,2,17],[5,2,5,6],[5,7,5,9],[5,11,5,15]],"flags":["formulas_cached_only"]}
[]
["1.10.3 VOLUMEN DE CREDITO POR SEGMENTOS "]
["En millones de dólares"]
[]
[]
[null,null,"Segmento Productivo",{"$nulls":4},"Segmento Consumo",{"$nulls":3},"Segmento Microcrédito",{"$nulls":5},"Segmento Vivienda"]
[]
["Período / Segmento"]
[null,null,"Productivo",null,"Productivo",null,"Productivo",null,"Consumo (4)",null,null,"Microcrédito ",null,"Microcrédito",null,"Microcrédito",null,"Vivienda (8)"]
[null,null,"Corporativo (1)",null,"Empresarial (2)",null,"PYMES (3)",{"$nulls":4},"acumulación   ",null,"acumulación ",null,"Minorista (7)"]
[{"$nulls":11},"ampliada (5)",null,"simple (6)"]
[]
[]
[2010,"Enero",{"v":336.2712539000003,"d":"336.27"},null,{"v":109.07871920999997,"d":"109.08"},null,{"v":98.80829739999972,"d":"98.81"},null,{"v":226.68797180004228,"d":"226.69"},null,null,{"v":21.718157159999993,"d":"21.72"},null,{"v":44.01937840000007,"d":"44.02"},null,{"v":39.369589019999914,"d":"39.37"},null,{"v":40.00039562999996,"d":"40.00"}]
[null,"Febrero",{"v":349.42383133000095,"d":"349.42"},null,{"v":125.60673375000002,"d":"125.61"},null,{"v":109.97422240000002,"d":"109.97"},null,{"v":222.00796004001555,"d":"222.01"},null,null,{"v":25.006848820000002,"d":"25.01"},null,{"v":48.87660742000005,"d":"48.88"},null,{"v":42.1022864599999,"d":"42.10"},null,{"v":41.47325547999999,"d":"41.47"}]
[null,"Marzo",{"v":485.6352003900104,"d":"485.64"},null,{"v":142.99973812000005,"d":"143.00"},null,{"v":140.7896280800006,"d":"140.79"},null,{"v":322.0538457300114,"d":"322.05"},null,null,{"v":38.467445840000025,"d":"38.47"},null,{"v":64.6819231299999,"d":"64.68"},null,{"v":51.51280280999741,"d":"51.51"},null,{"v":58.54754172000002,"d":"58.55"}]
[null,"Abril",{"v":563.7080702599977,"d":"563.71"},null,{"v":136.6855938599999,"d":"136.69"},null,{"v":128.47440226999916,"d":"128.47"},null,{"v":301.7988642800435,"d":"301.80"},null,null,{"v":35.95700256,"d":"35.96"},null,{"v":59.1543792899999,"d":"59.15"},null,{"v":49.35318790999884,"d":"49.35"},null,{"v":54.65711358000002,"d":"54.66"}]
[null,"Mayo",{"v":421.94243718000774,"d":"421.94"},null,{"v":140.60707880999996,"d":"140.61"},null,{"v":124.87489109000032,"d":"124.87"},null,{"v":312.46032122007006,"d":"312.46"},null,null,{"v":31.324457919999993,"d":"31.32"},null,{"v":60.944930409999984,"d":"60.94"},null,{"v":49.407462289997,"d":"49.41"},null,{"v":53.40275914999998,"d":"53.40"}]
[null,"Junio",{"v":546.3283131600144,"d":"546.33"},null,{"v":163.7191379599998,"d":"163.72"},null,{"v":147.08791427000077,"d":"147.09"},null,{"v":343.20321680003445,"d":"343.20"},null,null,{"v":38.31720722,"d":"38.32"},null,{"v":76.60041721000009,"d":"76.60"},null,{"v":53.59690618999845,"d":"53.60"},null,{"v":62.728644559999985,"d":"62.73"}]
[null,"Julio",{"v":493.197733670011,"d":"493.20"},null,{"v":135.05764142,"d":"135.06"},null,{"v":134.25423223000035,"d":"134.25"},null,{"v":356.6048932500403,"d":"356.60"},null,null,{"v":36.47048059000002,"d":"36.47"},null,{"v":76.18601882999992,"d":"76.19"},null,{"v":50.67489350999892,"d":"50.67"},null,{"v":59.13511216000001,"d":"59.14"}]
[null,"Agosto",{"v":486.5215332700009,"d":"486.52"},null,{"v":143.02656152999992,"d":"143.03"},null,{"v":139.25402766,"d":"139.25"},null,{"v":355.0786950000656,"d":"355.08"},null,null,{"v":38.26170945000005,"d":"38.26"},null,{"v":76.57117975000001,"d":"76.57"},null,{"v":51.77575443999872,"d":"51.78"},null,{"v":56.85109407000001,"d":"56.85"}]
[null,"Septiembre",{"v":419.90548405000396,"d":"419.91"},null,{"v":142.68338616999998,"d":"142.68"},null,{"v":129.92356556000007,"d":"129.92"},null,{"v":346.09196410003705,"d":"346.09"},null,null,{"v":35.40346421000002,"d":"35.40"},null,{"v":78.34366977999981,"d":"78.34"},null,{"v":55.111101059998475,"d":"55.11"},null,{"v":58.678193030000024,"d":"58.68"}]
[null,"Octubre",{"v":505.23010333000974,"d":"505.23"},null,{"v":146.26020189000016,"d":"146.26"},null,{"v":149.0999060799996,"d":"149.10"},null,{"v":384.85973279004304,"d":"384.86"},null,null,{"v":36.583734099999994,"d":"36.58"},null,{"v":80.64762593999974,"d":"80.65"},null,{"v":56.85443987999969,"d":"56.85"},null,{"v":63.97254368999999,"d":"63.97"}]
[null,"Noviembre",{"v":490.32628192001164,"d":"490.33"},null,{"v":154.27715026,"d":"154.28"},null,{"v":144.19939055000043,"d":"144.20"},null,{"v":363.30059459008794,"d":"363.30"},null,null,{"v":32.04992783,"d":"32.05"},null,{"v":77.70200041000001,"d":"77.70"},null,{"v":57.479260299999325,"d":"57.48"},null,{"v":53.78259644000002,"d":"53.78"}]
[null,"Diciembre",{"v":677.3199815899652,"d":"677.32"},null,{"v":203.89025909999978,"d":"203.89"},null,{"v":177.95874377000072,"d":"177.96"},null,{"v":407.2776884200902,"d":"407.28"},null,null,{"v":32.27022899000002,"d":"32.27"},null,{"v":70.58548183999974,"d":"70.59"},null,{"v":56.23479221999837,"d":"56.23"},null,{"v":68.25550884999994,"d":"68.26"}]
[]
[2011,"Enero",{"v":488.8805944399999,"d":"488.88"},null,{"v":137.15066882999977,"d":"137.15"},null,{"v":120.66603911000028,"d":"120.67"},null,{"v":352.91283791006026,"d":"352.91"},null,null,{"v":27.699640500000005,"d":"27.70"},null,{"v":63.09921883999996,"d":"63.10"},null,{"v":43.37978401999927,"d":"43.38"},null,{"v":50.150218700000025,"d":"50.15"}]
[null,"Febrero",{"v":479.2792321799959,"d":"479.28"},null,{"v":153.04287701999993,"d":"153.04"},null,{"v":133.6597424299999,"d":"133.66"},null,{"v":369.30005638004815,"d":"369.30"},null,null,{"v":30.978933170000023,"d":"30.98"},null,{"v":71.02767191999965,"d":"71.03"},null,{"v":52.472792900000115,"d":"52.47"},null,{"v":52.498343420000026,"d":"52.50"}]
[null,"Marzo",{"v":571.0095017100078,"d":"571.01"},null,{"v":166.54934826999994,"d":"166.55"},null,{"v":156.01884015000064,"d":"156.02"},null,{"v":439.94774338003936,"d":"439.95"},null,null,{"v":35.22655355999999,"d":"35.23"},null,{"v":73.50780088000008,"d":"73.51"},null,{"v":55.940537690000745,"d":"55.94"},null,{"v":59.18997982000004,"d":"59.19"}]
[null,"Abril",{"v":573.0711956900093,"d":"573.07"},null,{"v":155.19464547999976,"d":"155.19"},null,{"v":148.89411073000025,"d":"148.89"},null,{"v":425.33065171007604,"d":"425.33"},null,null,{"v":36.74479252999999,"d":"36.74"},null,{"v":71.04558499999968,"d":"71.05"},null,{"v":51.756227300002905,"d":"51.76"},null,{"v":58.65101157999998,"d":"58.65"}]
[null,"Mayo",{"v":561.8323289600157,"d":"561.83"},null,{"v":179.14279833999987,"d":"179.14"},null,{"v":154.47098997000086,"d":"154.47"},null,{"v":441.6964750800177,"d":"441.70"},null,null,{"v":37.53031337,"d":"37.53"},null,{"v":79.74910774000051,"d":"79.75"},null,{"v":58.243572950003724,"d":"58.24"},null,{"v":58.650894120000025,"d":"58.65"}]
[null,"Junio",{"v":580.6229617000058,"d":"580.62"},null,{"v":193.28325757999966,"d":"193.28"},null,{"v":162.68332423000038,"d":"162.68"},null,{"v":464.15330267006755,"d":"464.15"},null,null,{"v":43.90670260000001,"d":"43.91"},null,{"v":88.73684736000006,"d":"88.74"},null,{"v":63.24723693000105,"d":"63.25"},null,{"v":67.20377050999997,"d":"67.20"}]
[null,"Julio",{"v":521.1496788000054,"d":"521.15"},null,{"v":156.35122316,"d":"156.35"},null,{"v":149.93686948999922,"d":"149.94"},null,{"v":440.06725705003083,"d":"440.07"},null,null,{"v":39.69423537999997,"d":"39.69"},null,{"v":80.83433509000021,"d":"80.83"},null,{"v":59.09782767000225,"d":"59.10"},null,{"v":46.41700653000002,"d":"46.42"}]
[null,"Agosto",{"v":552.3314175600116,"d":"552.33"},null,{"v":177.41786176,"d":"177.42"},null,{"v":154.37221711999925,"d":"154.37"},null,{"v":468.274892370035,"d":"468.27"},null,null,{"v":39.117741640000006,"d":"39.12"},null,{"v":86.58081687000052,"d":"86.58"},null,{"v":63.40946588000173,"d":"63.41"},null,{"v":57.351274880000034,"d":"57.35"}]
[null,"Septiembre",{"v":603.4326684800036,"d":"603.43"},null,{"v":178.46122610000012,"d":"178.46"},null,{"v":150.06324951999852,"d":"150.06"},null,{"v":445.7716418300731,"d":"445.77"},null,null,{"v":39.04421339999999,"d":"39.04"},null,{"v":87.45129480000031,"d":"87.45"},null,{"v":60.16808187000039,"d":"60.17"},null,{"v":56.74387657999999,"d":"56.74"}]
[null,"Octubre",{"v":557.6228827000003,"d":"557.62"},null,{"v":178.34291558,"d":"178.34"},null,{"v":152.29806286000021,"d":"152.30"},null,{"v":424.63837355001783,"d":"424.64"},null,null,{"v":38.34746064000002,"d":"38.35"},null,{"v":91.1599048600001,"d":"91.16"},null,{"v":66.91368310999796,"d":"66.91"},null,{"v":50.713295399999986,"d":"50.71"}]
[null,"Noviembre",{"v":640.3921064999782,"d":"640.39"},null,{"v":168.4066059599998,"d":"168.41"},null,{"v":155.44022340999925,"d":"155.44"},null,{"v":362.0351325000333,"d":"362.04"},null,null,{"v":36.402490710000016,"d":"36.40"},null,{"v":86.09317564999984,"d":"86.09"},null,{"v":63.923390580000536,"d":"63.92"},null,{"v":45.98172858999999,"d":"45.98"}]
[null,"Diciembre",{"v":678.0832914000335,"d":"678.08"},null,{"v":196.83498103000002,"d":"196.83"},null,{"v":177.40895403999556,"d":"177.41"},null,{"v":389.4411200800563,"d":"389.44"},null,null,{"v":44.569098620000055,"d":"44.57"},null,{"v":83.06855282000008,"d":"83.07"},null,{"v":68.75443579999958,"d":"68.75"},null,{"v":53.33755785000001,"d":"53.34"}]
[]
[2012,"Enero",{"v":574.1121606899939,"d":"574.11"},null,{"v":141.13817217000002,"d":"141.14"},null,{"v":139.40787300999983,"d":"139.41"},null,{"v":378.60303766006405,"d":"378.60"},null,null,{"v":38.11255091,"d":"38.11"},null,{"v":84.57649905000008,"d":"84.58"},null,{"v":56.80705570999951,"d":"56.81"},null,{"v":43.42592897999999,"d":"43.43"}]
[null,"Febrero",{"v":552.0547572699958,"d":"552.05"},null,{"v":133.7225809699999,"d":"133.72"},null,{"v":138.12713058999933,"d":"138.13"},null,{"v":375.35759146005665,"d":"375.36"},null,null,{"v":42.24589370999997,"d":"42.25"},null,{"v":82.9439216699999,"d":"82.94"},null,{"v":58.49646103999882,"d":"58.50"},null,{"v":35.512934339999994,"d":"35.51"}]
[null,"Marzo",{"v":789.6239273800406,"d":"789.62"},null,{"v":173.1818008199999,"d":"173.18"},null,{"v":173.50911606999878,"d":"173.51"},null,{"v":459.3348767501128,"d":"459.33"},null,null,{"v":48.67478162000001,"d":"48.67"},null,{"v":96.03629987999994,"d":"96.04"},null,{"v":67.16677006999765,"d":"67.17"},null,{"v":43.25490026999999,"d":"43.25"}]
[null,"Abril",{"v":796.693158930002,"d":"796.69"},null,{"v":164.09580098000012,"d":"164.10"},null,{"v":160.87359871999902,"d":"160.87"},null,{"v":409.34275245003045,"d":"409.34"},null,null,{"v":42.947486859999955,"d":"42.95"},null,{"v":84.30691385999988,"d":"84.31"},null,{"v":59.50792666000111,"d":"59.51"},null,{"v":42.39372741,"d":"42.39"}]
[null,"Mayo",{"v":677.1979216099862,"d":"677.20"},null,{"v":164.10923404000027,"d":"164.11"},null,{"v":182.9558192099981,"d":"182.96"},null,{"v":443.9822510700793,"d":"443.98"},null,null,{"v":48.15045905000006,"d":"48.15"},null,{"v":89.40587495999995,"d":"89.41"},null,{"v":66.59838798999687,"d":"66.60"},null,{"v":44.899169230000005,"d":"44.90"}]
[null,"Junio",{"v":781.6404187100227,"d":"781.64"},null,{"v":196.5345968599998,"d":"196.53"},null,{"v":169.0029418999978,"d":"169.00"},null,{"v":440.4338535400557,"d":"440.43"},null,null,{"v":42.535165029999995,"d":"42.54"},null,{"v":86.40944676999987,"d":"86.41"},null,{"v":65.13899195999672,"d":"65.14"},null,{"v":53.78755746000003,"d":"53.79"}]
[null,"Julio",{"v":733.074071819995,"d":"733.07"},null,{"v":164.13322118999992,"d":"164.13"},null,{"v":176.24366097999908,"d":"176.24"},null,{"v":480.70633373005063,"d":"480.71"},null,null,{"v":44.66821089000008,"d":"44.67"},null,{"v":89.67030111,"d":"89.67"},null,{"v":65.30160605999521,"d":"65.30"},null,{"v":52.04794784000002,"d":"52.05"}]
[null,"Agosto",{"v":794.2281063899887,"d":"794.23"},null,{"v":180.92765203,"d":"180.93"},null,{"v":174.4663601199989,"d":"174.47"},null,{"v":503.09043430010394,"d":"503.09"},null,null,{"v":46.71248663,"d":"46.71"},null,{"v":89.79930759000007,"d":"89.80"},null,{"v":62.19023606999556,"d":"62.19"},null,{"v":56.139950550000066,"d":"56.14"}]
[null,"Septiembre",{"v":689.2033060799823,"d":"689.20"},null,{"v":165.6983000499999,"d":"165.70"},null,{"v":158.3000095400003,"d":"158.30"},null,{"v":437.5596665000784,"d":"437.56"},null,null,{"v":41.39582159999998,"d":"41.40"},null,{"v":83.77655221999981,"d":"83.78"},null,{"v":59.8604535099952,"d":"59.86"},null,{"v":48.94044484999999,"d":"48.94"}]
[null,"Octubre",{"v":679.8345234699872,"d":"679.83"},null,{"v":166.21806342000053,"d":"166.22"},null,{"v":151.80673792999784,"d":"151.81"},null,{"v":454.17886558009286,"d":"454.18"},null,null,{"v":41.902016630000006,"d":"41.90"},null,{"v":91.00346783000039,"d":"91.00"},null,{"v":64.82120562999543,"d":"64.82"},null,{"v":44.62671264000005,"d":"44.63"}]
[null,"Noviembre",{"v":708.1051263599978,"d":"708.11"},null,{"v":175.25792883999992,"d":"175.26"},null,{"v":153.76352358999955,"d":"153.76"},null,{"v":407.94089438005403,"d":"407.94"},null,null,{"v":40.51866297000001,"d":"40.52"},null,{"v":89.60969739999973,"d":"89.61"},null,{"v":63.03144633999548,"d":"63.03"},null,{"v":42.35991289999999,"d":"42.36"}]
[null,"Diciembre",{"v":692.0559593999877,"d":"692.06"},null,{"v":165.91345547,"d":"165.91"},null,{"v":155.91998460999807,"d":"155.92"},null,{"v":384.3671078000935,"d":"384.37"},null,null,{"v":34.388443630000005,"d":"34.39"},null,{"v":75.06433568000028,"d":"75.06"},null,{"v":61.29451166999433,"d":"61.29"},null,{"v":47.42725316000002,"d":"47.43"}]
[]
[2013,"Enero",{"v":686.097375079999,"d":"686.10"},null,{"v":165.12458243999978,"d":"165.12"},null,{"v":133.27132730999895,"d":"133.27"},null,{"v":399.9636157600481,"d":"399.96"},null,null,{"v":37.35663367000001,"d":"37.36"},null,{"v":80.72595966999961,"d":"80.73"},null,{"v":55.47266697999694,"d":"55.47"},null,{"v":31.01168896000002,"d":"31.01"}]
[null,"Febrero",{"v":671.4229878199984,"d":"671.42"},null,{"v":139.00799754999994,"d":"139.01"},null,{"v":136.94620505999916,"d":"136.95"},null,{"v":359.22879928003556,"d":"359.23"},null,null,{"v":36.28885297999999,"d":"36.29"},null,{"v":70.14362038999965,"d":"70.14"},null,{"v":51.710445449996016,"d":"51.71"},null,{"v":29.347189709999974,"d":"29.35"}]
[null,"Marzo",{"v":786.3704749200215,"d":"786.37"},null,{"v":169.35065812999517,"d":"169.35"},null,{"v":161.25083730998898,"d":"161.25"},null,{"v":454.8511702401589,"d":"454.85"},null,null,{"v":37.23141922999998,"d":"37.23"},null,{"v":73.69691583000204,"d":"73.70"},null,{"v":58.80953094999725,"d":"58.81"},null,{"v":44.134023690000014,"d":"44.13"}]
[null,"Abril",{"v":1017.8932743199965,"d":"1,017.89"},null,{"v":182.02688262999828,"d":"182.03"},null,{"v":185.77671837999708,"d":"185.78"},null,{"v":545.2301461100409,"d":"545.23"},null,null,{"v":45.55102792999998,"d":"45.55"},null,{"v":87.50055531000017,"d":"87.50"},null,{"v":65.63694072999903,"d":"65.64"},null,{"v":44.07491987000003,"d":"44.07"}]
[null,"Mayo",{"v":768.5523306299644,"d":"768.55"},null,{"v":180.9804891899989,"d":"180.98"},null,{"v":176.57475919999797,"d":"176.57"},null,{"v":478.25560529002837,"d":"478.26"},null,null,{"v":45.75001024000002,"d":"45.75"},null,{"v":80.96478757000068,"d":"80.96"},null,{"v":58.28745470999702,"d":"58.29"},null,{"v":37.805609170000004,"d":"37.81"}]
[null,"Junio",{"v":826.0255490600151,"d":"826.03"},null,{"v":157.8450706199988,"d":"157.85"},null,{"v":165.03508153999914,"d":"165.04"},null,{"v":488.80539039002485,"d":"488.81"},null,null,{"v":45.121216549999964,"d":"45.12"},null,{"v":85.32658293000043,"d":"85.33"},null,{"v":54.40569018999897,"d":"54.41"},null,{"v":50.123924620000004,"d":"50.12"}]
[null,"Julio",{"v":853.4094402299971,"d":"853.41"},null,{"v":183.77629338999802,"d":"183.78"},null,{"v":178.4875195599988,"d":"178.49"},null,{"v":553.4486170700308,"d":"553.45"},null,null,{"v":44.10223960000003,"d":"44.10"},null,{"v":85.7272860900002,"d":"85.73"},null,{"v":55.80851716999888,"d":"55.81"},null,{"v":47.77913438,"d":"47.78"}]
[null,"Agosto",{"v":854.3281099299902,"d":"854.33"},null,{"v":177.49037078999856,"d":"177.49"},null,{"v":177.324374459997,"d":"177.32"},null,{"v":515.7653280900761,"d":"515.77"},null,null,{"v":45.35206250999999,"d":"45.35"},null,{"v":89.98782121000015,"d":"89.99"},null,{"v":61.89872128999891,"d":"61.90"},null,{"v":48.99612171999997,"d":"49.00"}]
[null,"Septiembre",{"v":794.4869167300127,"d":"794.49"},null,{"v":176.95628606999824,"d":"176.96"},null,{"v":178.52750499999792,"d":"178.53"},null,{"v":493.22344330006587,"d":"493.22"},null,null,{"v":46.00864431999998,"d":"46.01"},null,{"v":94.14866526000012,"d":"94.15"},null,{"v":61.436839979998325,"d":"61.44"},null,{"v":50.48247745999995,"d":"50.48"}]
[null,"Octubre",{"v":790.9415797400151,"d":"790.94"},null,{"v":187.24893277999757,"d":"187.25"},null,{"v":186.59834724999598,"d":"186.60"},null,{"v":515.6735075400952,"d":"515.67"},null,null,{"v":52.966287989999984,"d":"52.97"},null,{"v":99.84202035000058,"d":"99.84"},null,{"v":62.13343168999837,"d":"62.13"},null,{"v":53.38085856,"d":"53.38"}]
[null,"Noviembre",{"v":924.829554280018,"d":"924.83"},null,{"v":189.09625483999875,"d":"189.10"},null,{"v":203.8965979099965,"d":"203.90"},null,{"v":504.4590150100649,"d":"504.46"},null,null,{"v":54.35936557000002,"d":"54.36"},null,{"v":100.73334809000049,"d":"100.73"},null,{"v":64.35066840999913,"d":"64.35"},null,{"v":57.26631070999995,"d":"57.27"}]
[null,"Diciembre",{"v":981.4666482700169,"d":"981.47"},null,{"v":218.77311719999688,"d":"218.77"},null,{"v":197.6076434299973,"d":"197.61"},null,{"v":471.51748161013137,"d":"471.52"},null,null,{"v":48.11421968000002,"d":"48.11"},null,{"v":83.48085814000021,"d":"83.48"},null,{"v":59.29247807999938,"d":"59.29"},null,{"v":53.78492586,"d":"53.78"}]
[]
["(1) Operaciones de crédito superiores a USD 1.000.000 otorgadas a empresas cuyas ventas anuales sean iguales o superiores al nivel que conste en el Instructivo de Tasas de Interés, "]
["dependiendo del sector económico al que pertenecen. "]
["(2) Operaciones de crédito superiores a USD 200.000 hasta USD 1.000.000 otorgadas a empresas cuyas ventas anuales sean iguales o superiores al nivel que conste en el Instructivo de Tasas de Interés, "]
["dependiendo del sector económico al que pertenecen. "]
["(3) Operaciones de crédito inferiores a USD 200.000 dirigidas a pequeñas y medianas empresas cuyas ventas anuales sean iguales o superiores a USD 100.000 e inferiores a los niveles de ventas anuales mínimos "]
["del segmento productivo corporativo."]
["(4) Operaciones de crédito otorgadas a personas naturales asalariadas, rentistas o trabajadores profesionales en libre ejercicio, para adquirir bienes de consumo o pago de servicios, se incluye las operaciones "]
["de crédito instrumentadas a favor de tarjeta habientes."]
["(5) Operaciones de crédito cuyo monto por operación y saldo adeudado en microcréditos a la institución financiera sean superiores a USD 10.000, otorgadas a microempresarios que registran un nivel de ventas "]
["anual inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía solidaria."]
["(6) Operaciones de crédito cuyo monto por operación y saldo adeudado en microcréditos a la institución financiera sea superior a USD 3.000 hasta USD 10.000, otorgadas a microempresarios que registran un "]
["nivel de ventas o ingresos anuales inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía solidaria."]
["(7) Operaciones de crédito sean menores o iguales a USD 3.000, otorgadas a microempresarios y que registran un nivel de ventas anuales inferior a USD 100.000, a trabajadores por cuenta propia, o un grupo de "]
["prestatarios con garantía solidaria."]
["(8) Operaciones de crédito otorgadas a personas naturales para la adquisición, construcción reparación, remodelación y mejoramiento de vivienda propia."]
["Fuente: Instituciones Financieras Privadas"]