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["1.10.2 TASAS DE INTERES ACTIVAS EFECTIVAS  Y MAXIMAS REFERENCIALES VIGENTES "]
["POR SEGMENTO DE CREDITO "]
[]
[]
[null,null,"Segmento Productivo",{"$nulls":5},"Segmento Consumo",null,"Segmento Microcrédito",{"$nulls":5},"Segmento Vivienda"]
[]
["Período / Segmento",null,null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima",null,"Máxima"]
[null,null,"Productivo","Productivo","Productivo","Productivo","Productivo","Productivo","Consumo (4)(*)","Consumo (9)","Microcrédito ","Microcrédito","Microcrédito","Microcrédito","Microcrédito","Microcrédito","Vivienda (8)(*)","Vivienda (9)"]
[null,null,"Corporativo (1)(*)","Corporativo (9)","Empresarial (2)(*)","Empresarial (9)","PYMES (3)(*)","PYMES (9)",null,null,"acumulación   ","acumulación ","acumulación ","acumulación","Minorista (7)(*)","Minorista (9)"]
[{"$nulls":10},"ampliada (5)(*)","ampliada (9)","simple (6)(*)","simple (9)"]
[]
[2012,"Enero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Febrero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Marzo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Abril (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Mayo(***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Junio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Julio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Agosto (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Septiembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Octubre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Noviembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Diciembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[]
[2013,"Enero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Febrero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Marzo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Abril (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Mayo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Junio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Julio (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Agosto (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Septiembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Octubre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Noviembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Diciembre (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[]
[2014,"Enero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Febrero (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Marzo (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Abril (***)",8.17,9.33,9.53,10.21,{"v":11.2,"d":"11.20"},11.83,15.91,{"v":16.3,"d":"16.30"},22.44,{"v":25.5,"d":"25.50"},{"v":25.2,"d":"25.20"},{"v":27.5,"d":"27.50"},28.82,{"v":30.5,"d":"30.50"},10.64,11.33]
[null,"Mayo",7.64,9.33,9.46,10.21,11.08,11.83,15.96,{"v":16.3,"d":"16.30"},22.15,{"v":25.5,"d":"25.50"},{"v":25,"d":"25.00"},{"v":27.5,"d":"27.50"},{"v":28.4,"d":"28.40"},{"v":30.5,"d":"30.50"},10.92,11.33]
[null,"Junio",8.19,9.33,9.54,10.21,11.28,11.83,15.99,{"v":16.3,"d":"16.30"},22.16,{"v":25.5,"d":"25.50"},25.08,{"v":27.5,"d":"27.50"},28.54,{"v":30.5,"d":"30.50"},10.89,11.33]
[null,"Julio",8.21,9.33,9.65,10.21,11.26,11.83,15.98,{"v":16.3,"d":"16.30"},22.24,{"v":25.5,"d":"25.50"},25.08,{"v":27.5,"d":"27.50"},28.53,{"v":30.5,"d":"30.50"},10.81,11.33]
[null,"Agosto",8.16,9.33,9.68,10.21,10.97,11.83,15.95,{"v":16.3,"d":"16.30"},22.49,{"v":25.5,"d":"25.50"},25.03,{"v":27.5,"d":"27.50"},28.44,{"v":30.5,"d":"30.50"},10.83,11.33]
[]
[]
["(1)","Son aquellas operaciones de crédito superiores a USD 1.000.000 otorgadas a personas naturales o jurídicas que cumplen los parámetros de definición del crédito productivo. Cuando el saldo adeudado  del prestatario en créditos productivos con la institución financiera supere los USD 1.000.000,"]
[null," indiferentemente del monto la operación pertenecerá al segmento productivo-corporativo."]
["(2)","Son aquellas operaciones de crédito, cuyo monto por operación y saldo adeudado  en créditos productivos a la institución financiera sea superior a USD 200.000 hasta USD 1.000.000, otorgadas a personas naturales o jurídicas que cumplen los parámetros de definición del crédito productivo. "]
["(3)","Son aquellas operaciones de crédito  cuyo monto por operación y saldo adeudado  en créditos productivos a la institución financiera sea menor o igual a USD 200.000, otorgadas a personas naturales o jurídicas que cumplen los parámetros de definición del crédito productivo."]
[null,"Se incluye en este segmento todas las operaciones de crédito instrumentadas a favor de tarjeta habientes titulares constituidos exclusivamente como personas jurídicas."]
["(4)","Son créditos de consumo los otorgados por las instituciones controladas a personas naturales asalariadas y/o rentistas, que tengan por destino la adquisición de bienes de consumo o pago de servicios, que generalmente se amortizan en función de un sistema de cuotas periódicas y "]
[null," cuya fuente de pago es el ingreso neto mensual promedio del deudor, entendiéndose por éste el promedio de los ingresos brutos mensuales del núcleo familiar menos los gastos familiares estimados mensuales."]
["(5)","Son aquellas operaciones de crédito superiores a USD 10.000 otorgadas a microempresarios que registran un nivel de ventas anuales inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía solidaria. Cuando el saldo adeudado  en micro créditos con la institución financiera "]
[null," supere los USD 10.000 indiferentemente del monto, la operación pertenecerá al segmento de microcrédito de acumulación ampliada."]
["(6)","Son aquellas operaciones de crédito, cuyo monto por operación y saldo adeudado  en micro créditos 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, "]
[null,"o a un grupo de prestatarios con garantía solidaria."]
["(7)","Son aquellas operaciones de crédito cuyo monto por operación y saldo adeudado  en microcréditos a la institución financiera sea menor o igual a USD 3.000, otorgadas a microempresarios que registran "]
[null,"un nivel de ventas anuales inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía solidaria."]
["(8)","Son aquellas operaciones de crédito otorgadas a personas naturales para la adquisición, construcción, reparación, remodelación y mejoramiento de vivienda propia, siempre que se encuentren caucionadas con garantía hipotecaria y hayan sido otorgadas al usuario final del inmueble; caso contrario, se considerarán "]
[null," como operaciones de crédito comercial, de consumo o microcrédito según las características del sujeto de crédito y del monto de la operación."]
["(9)","Las tasas de interés activas efectivas máximas para cada uno de los segmentos de crédito, corresponderán a la tasa promedio ponderada por  monto, en dólares de los Estados Unidos de América, de las operaciones de crédito concedidas en cada segmento, en las cuatro semanas anteriores a la última semana completa "]
[null,"del mes en que entrará en vigencia, multiplicada por un factor a ser determinado por el Directorio del Banco Central del Ecuador."]
["(*)","Promedio ponderado por monto, de las tasas de interés efectivas pactadas en las operaciones de crédito concedidas por las instituciones del sistema financiero privado. La base de cálculo corresponderá a las tasas de interés efectivas convenidas en las operaciones realizadas en las cuatro semanas precedentes"]
[null,"a la última semana completa de cada mes."]
["(***)","El artículo 6, del Capítulo I \"Tasas de interés referenciales\", y el artículo 3 del Capítulo II \"Tasas de interés de cumplimiento obligatorio\", del título Sexto \"Sistema de Tasas de Interés\", de Libro I \"Política Monetaria - Crediticia\", de la Codificación de Regulaciones del Banco Central del Ecuador, establece que, "]
[null,"en caso de no determinarse las tasas de interés referenciales y máximas por segmento, para el período mensual siguiente regirán las últimas tasas publicadas por el Banco Central del Ecuador."]
["Fuente: Instituciones Financieras Privadas"]