{"id":34015,"date":"2023-12-24T12:00:00","date_gmt":"2023-12-24T15:00:00","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=34015"},"modified":"2025-06-17T18:04:47","modified_gmt":"2025-06-17T21:04:47","slug":"como-acceder-un-microcredito-en-colombia","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/como-acceder-un-microcredito-en-colombia\/","title":{"rendered":"C\u00f3mo acceder a un microcr\u00e9dito en Colombia"},"content":{"rendered":"\n<p>Los <strong>microcr\u00e9ditos <\/strong>son una forma de financiamiento que, seg\u00fan el <strong>Banco de la Rep\u00fablica<\/strong>, se encargan de financiar la microempresa, que por lo general tienen un acceso limitado a los mercados de cr\u00e9ditos formales.&nbsp;<\/p>\n\n\n\n<p>La presidenta de Asomicrofinanzas, <strong>Mar\u00eda Clara Hoyos<\/strong>, en el foro de Prisa Media Visi\u00f3n 2024 dijo c\u00f3mo deber\u00edan ser los<strong> <a href=\"https:\/\/alprestamo.co\/?utm_source=institucional&amp;utm_medium=header&amp;utm_source_sub=institucional-header\">microcr\u00e9ditos <\/a>en Colombia<\/strong> y cu\u00e1les deben ser los principales beneficiarios de este tipo de productos financieros&nbsp;<\/p>\n\n\n\n<p>Asomicrofinanzas es una asociaci\u00f3n que re\u00fane m\u00e1s de 40 instituciones financieras y tiene como finalidad otorgar cr\u00e9ditos y microcr\u00e9ditos a colombianos de todo el pa\u00eds. Seg\u00fan Hoyos, su prop\u00f3sito tambi\u00e9n es acompa\u00f1ar a los solicitantes.&nbsp;<\/p>\n\n\n\n<p>Una de las empresas que trabaja por eliminar la brecha de asequibilidad dentro del sistema financiero es <strong>Vaale<\/strong>, una firma cuyo objetivo es <strong>permitir que mayor cantidad de personas tenga acceso a<a href=\"https:\/\/alprestamo.com\/blog\/estas-son-las-5-nuevas-plataformas-para-obtener-prestamos-en-linea-en-colombia\/\"> pr\u00e9stamos en l\u00ednea<\/a> y <\/strong>para adquirir productos b\u00e1sicos en comercios aliados.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo funcionan los microcr\u00e9ditos&nbsp;<\/h2>\n\n\n\n<p>El primer paso es que el comprador vaya hacia una tienda que se encuentre aliada con el servicio. Una vez all\u00ed, el vendedor le solicitar\u00e1 el n\u00famero de identificaci\u00f3n y luego har\u00e1 el registro en el sistema. Finalmente, ambos aprobar\u00e1n la transacci\u00f3n.&nbsp;<\/p>\n\n\n\n<p>Cabe destacar que <strong>en ning\u00fan momento se entrega efectivo<\/strong>, ya que el prop\u00f3sito es que todo se realice mediante la app de Vaale.&nbsp;<\/p>\n\n\n\n<p>El <strong>monto del microcr\u00e9dito rotativo es de $100.000 <\/strong>y puede ser renovado cada 15 d\u00edas. El comprador tiene tiempo hasta cinco d\u00edas despu\u00e9s de cada quincena para realizar el pago del cr\u00e9dito. Una vez que haya realizado el pago podr\u00e1 hacer uso nuevamente del cupo.&nbsp;<\/p>\n\n\n\n<p>Vaale no cobra intereses en las compras realizadas, pero s\u00ed cobra un cargo por transacci\u00f3n. De esta forma se asegura un ingreso para el sostenimiento de la aplicaci\u00f3n. Tampoco cobra cargos fijos por su uso.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La importancia de los microcr\u00e9ditos&nbsp;<\/h2>\n\n\n\n<p>Durante los \u00faltimos 20 a\u00f1os en Colombia se observ\u00f3 que el <strong>73% de los beneficiarios de microcr\u00e9ditos pudo obtener nuevo financiamiento <\/strong>en modalidades como el cr\u00e9dito comercial y de consumo.&nbsp;<\/p>\n\n\n\n<p>Esta transici\u00f3n desde un microcr\u00e9dito a otro tipo de financiamiento ha logrado mejoras en los montos entregados, tasas de inter\u00e9s y plazo de pagos extendidos, adem\u00e1s de una reducci\u00f3n en la necesidad de garant\u00edas para obtener dinero.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los microcr\u00e9ditos son una forma de financiamiento que, seg\u00fan el Banco de la Rep\u00fablica, se encargan de financiar la microempresa, que por lo general tienen un acceso limitado a los mercados de cr\u00e9ditos formales.&nbsp; La presidenta de Asomicrofinanzas, Mar\u00eda Clara Hoyos, en el foro de Prisa Media Visi\u00f3n 2024 dijo c\u00f3mo deber\u00edan ser los microcr\u00e9ditos &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/como-acceder-un-microcredito-en-colombia\/\"> <span class=\"screen-reader-text\">C\u00f3mo acceder a un microcr\u00e9dito en Colombia<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":34057,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[98,197,38],"tags":[],"class_list":["post-34015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-co","category-portada-co","category-prestamos-co"],"acf":[],"yoast_head":"<!-- This site is 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Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/\" rel=\"category tag\">CO<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/portada-co\/\" rel=\"category tag\">Portada<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/prestamos-co\/\" rel=\"category tag\">Pr\u00e9stamos<\/a>","rttpg_excerpt":"Los microcr\u00e9ditos son una forma de financiamiento que, seg\u00fan el Banco de la Rep\u00fablica, se encargan de financiar la microempresa, que por lo general tienen un acceso limitado a los mercados de cr\u00e9ditos formales.&nbsp; La presidenta de Asomicrofinanzas, Mar\u00eda Clara Hoyos, en el foro de Prisa Media Visi\u00f3n 2024 dijo c\u00f3mo deber\u00edan ser los microcr\u00e9ditos&hellip;","_links":{"self":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/34015"}],"collection":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/comments?post=34015"}],"version-history":[{"count":9,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/34015\/revisions"}],"predecessor-version":[{"id":45168,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/34015\/revisions\/45168"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media\/34057"}],"wp:attachment":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media?parent=34015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/categories?post=34015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/tags?post=34015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}