{"id":117,"date":"2017-09-13T20:11:40","date_gmt":"2017-09-13T20:11:40","guid":{"rendered":"http:\/\/www.mingob.gob.pa\/onpar\/?page_id=117"},"modified":"2025-11-18T18:45:20","modified_gmt":"2025-11-18T18:45:20","slug":"creditos-y-servicios-bancarios","status":"publish","type":"page","link":"https:\/\/www.mingob.gob.pa\/onpar\/creditos-y-servicios-bancarios\/","title":{"rendered":"Cr\u00e9ditos y Servicios Bancarios"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"117\" class=\"elementor elementor-117\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48e5fd21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48e5fd21\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c04efcb\" data-id=\"4c04efcb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab41123 elementor-widget elementor-widget-text-editor\" data-id=\"ab41123\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Las personas refugiadas tienen derecho a ganar el sustento para su familia ya sea como empleado\/a, como colaborador\/a o independiente. Por tal raz\u00f3n, el acceso al cr\u00e9dito representa una herramienta importante para tal fin.<\/p><p style=\"text-align: justify;\">Los requisitos para abrir una cuenta bancaria y otros productos financieros pueden ser distintos, por lo que se anima a las personas interesadas a buscar orientaci\u00f3n en RET Internacional, el Programa de Refugiados de la Cruz Roja Paname\u00f1a &#8211; CRP, Asylum Access, Consejo Noruego al Refugiado &#8211; NRC y HIAS.<\/p><p style=\"text-align: justify;\">ACNUR ha desarrollado un Programa junto con Microserfin (una instituci\u00f3n financiera privada y supervisada por la Administraci\u00f3n del Ministerio de Comercio e Industrias) para ofrecer microcr\u00e9ditos para las personas refugiadas que busquen iniciar, fortalecer, desarrollar o impulsar su propio negocio.<\/p><p style=\"text-align: justify;\">El programa de microcr\u00e9ditos para las personas refugiadas o residentes permanentes por la Ley 74 ofrece pr\u00e9stamos hasta B\/.1,500.00. Para solicitarlo se piden los siguientes requisitos:<\/p><p style=\"text-align: justify;\">\u2022 Carnet que la identifique como persona refugiada<br \/>\u2022 Copia de recibo de luz, agua o tel\u00e9fono<br \/>\u2022 Referencia comercial o personal<br \/>\u2022 Copia de facturas de compra y recibos de venta<\/p><p style=\"text-align: justify;\">Microserfin financia compra de mercanc\u00eda y materia prima para el negocio, mejoras a locales y compra de equipos. Adem\u00e1s ofrece, al p\u00fablico en general, cr\u00e9ditos a mayor escala y otros productos a los cuales las personas refugiadas tambi\u00e9n tienen la opci\u00f3n de aplicar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Las personas refugiadas tienen derecho a ganar el sustento para su familia ya sea como empleado\/a, como colaborador\/a o independiente. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-117","page","type-page","status-publish","hentry"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Administrador Web","author_link":"https:\/\/www.mingob.gob.pa\/onpar\/author\/nbarrios\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"Las personas refugiadas tienen derecho a ganar el sustento para su familia ya sea como empleado\/a, como colaborador\/a o independiente. [&hellip;]","_links":{"self":[{"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/pages\/117","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/comments?post=117"}],"version-history":[{"count":3,"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/pages\/117\/revisions"}],"predecessor-version":[{"id":3727,"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/pages\/117\/revisions\/3727"}],"wp:attachment":[{"href":"https:\/\/www.mingob.gob.pa\/onpar\/wp-json\/wp\/v2\/media?parent=117"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}