campaña

LOS 10 MANDAMIENTOS DEL ASESOR

1 SOY PUNTUAL: Llegar con puntualidad al trabajo me permitirá

empezar mi día sin apuros y poder planificar.

2 PLANIFICO EN MI HOJA DE RUTA: Me permitirá organizar mi

día, ser eficiente en mis tiempos y que no se me olvide ningún
cliente en mi ruta.

3 LLEVO TODAS MIS HERRAMIENTAS: Denota orden y

profesionalismo, además me permite realizar una buena
gestión.

4 SALGO AL CAMPO TEMPRANO: El negocio no está en la

oficina, mis clientes están que me esperan….MÁXIMO A
LAS……el reto te lo pones tú.

5 VENDO TODOS LOS DÍAS: No hay otra fórmula para el éxito,

por donde voy vendo.

6 REALIZO ACTIVIDADES MÚLTIPLES: Todos los días vendo,

evalúo, cobro, hago mantenimiento de acuerdo a mi ruta
planificada.

7 ASESORO A MI CLIENTE: Brindo las mejores soluciones a
mis clientes y busco ser más cercano.

8 REALIZO UNA BUENA EVALUACIÓN: Me permite
preservar la calidad de mi cartera, no pierdo tiempo con revi-
sitas y genero confianza.

9 CUMPLO CON MI CLIENTE: Le doy soluciones y
respuestas oportunas, no lo hago esperar, soy transparente.

10 CUMPLO MIS PROYECCIONES: Es resultado de todo el
trabajo planificado.

CARPETA
DE VENTAS
MICROFINANZAS

REQUISITOS
Para solicitar un crédito

REQUISITOS
Para solicitar un crédito

TIPOS DE DOCUMENTO DE SUSTENTO DE NEGOCIO O ANTIGÜEDAD DE NEGOCIO:

En caso el cliente NO cuente con RUC, podrá presentar:

• Licencia de Funcionamiento.
• Constancia de asociación de mercado.
• Constancia de asociación de comerciante.
• Boletas y/o Facturas de Compra/Venta o cualquier otro documento

que acredite la antigüedad del negocio.
• Para montos menores a S/ 2 Mil podrá acreditar la antigüedad con

una Declaración Jurada.

TIPOS DE CLIENTE

PERSONA NATURAL

Fotocopia del Documento Oficial de Identidad (DOI).
Si es casado/conviviente, Documento Oficial de Identidad (DOI) del cónyuge.
Aplica para Aval y cónyuge de ser el caso.

PERSONA JURÍDICA

Copia RUC o documento impreso de la consulta de la página Web de la SUNAT (actualizado).
Copia simple de la Escritura Pública de la constitución de la empresa (no tiene límite de antigüedad).
Ficha Registral o copia literal de la empresa, no tiene límite de antigüedad.
Vigencia de Poderes de los Representantes de la empresa expedida por Registros Público con antigüedad de 15 días a la
fecha de presentación y 30 días al desembolso (no se acepta ticket de trámite en registros públicos).

Copia del DOI de los representantes de la empresa (Vigencia, de acuerdo a las normas legales).

Copia del DOI del accionista mayoritario por considerarlo como aval de la operación crediticia (Vigencia, de acuerdo a las
normas legales).
Copia del DOI o impresión RENIEC de los accionistas que tengan más del 5% de representatividad en la empresa.
Se deberá contar con la firma obligatoria del accionista mayoritario o la suma de accionistas que superen el 50%.
Toda persona jurídica deberá contar con aval con propiedad (Persona Natural), priorizando al accionista mayoritario siempre
que su porcentaje de participación sea mayor al 50%, caso contrario deberán firmar otros accionistas que sumen.

CRÉDITOS

CAPITAL DE TRABAJO

FINANCIAMOS
LA COMPRA DE:

Mercadería.
Materias Primas.
Insumos o Materiales.
Y otros.

MICROEMPRESA / PEQUEÑA EMPRESA

Antigüedad del P. Natural: Mínimo 6 meses / P. Jurídica: Mínimo 12 meses (*)
Negocio

Propiedad > 35 Mil

REQUISITOS Garantía > S/. 60 Mil (Nuevo)
> S/. 90 Mil (Reenganche, Recurrente, Paralelo)
Antecedentes 100% Normal, máximo 20% CPP en un periodo de 6 meses. (excepto último mes)
Crediticios Ficha RUC
Ventas Formales >= 30%
> 90 Mil

Moneda Soles
Dólares (Autorización de Analista de Riesgos)

Monto a Financiar >= 500 y <= 300 Mil

Frecuencia de Pago Crédito Nuevo Crédito Retorno
Cuotas Semanal (4 - 24 Cuotas) Semanal (4 - 24 Cuotas)
Bisemanal (4 - 24 Cuotas) Bisemanal (4 - 24 Cuotas)
Mensual (2 - 12 Cuotas)(***) Mensual (2 - 18 Cuotas)

Fijas e Iguales

CARACTERÍSTICAS Seguro de desgravamen de acuerdo a las condiciones de la póliza (para todo
crédito individual)
Seguros
Seguros adicionales de cobertura de la recuperación de préstamo frente a siniestro
como:

• Multiriesgo (asegura mercadería/bienes del negocio)
• Todo Riesgo (asegura el inmueble en caso de siniestro)
• Optativo (asegura al titular en caso de accidente)

Periodo de Gracia 15 días

Cancelación Se aplica penalidad desde cualquier cuota y es sobre el saldo de capital (ajuste de
Anticipada intereses)

(*)En caso sea Persona Jurídica, se puede considerar experiencia empresarial de Accionista mayoritario: Persona Natural 6 meses + Persona Jurídica 6 meses.
(**) Para R1 y R2 el plazo podrá ser hasta 18 meses.

ACTIVO FIJO

Estamos para apoyar la compra,
mantenimiento o ampliación de tus

inmuebles para tu negocio.

FINANCIAMOS
LA COMPRA DE:

Financiamos
la compra de:

MaMqauquininaarriaias s.
EqEuqiupipooss.
LocLoaclalCCoommerecriacl ial.
Y otros.

MICROEMPRESA / PEQUEÑA EMPRESA

Antigüedad del P. Natural: Mínimo 6 meses / P. Jurídica: Mínimo 12 meses (*)
Negocio

Propiedad > 35 Mil

REQUISITOS Garantía > S/. 60 Mil (Nuevo)
> S/. 90 Mil (Reenganche, Recurrente, Paralelo)
Antecedentes 100% Normal, máximo 20% CPP en un periodo de 6 meses. (excepto último mes)
Crediticios Ficha RUC
Ventas Formales >= 30%
> 90 Mil

Moneda Soles
Dólares (Autorización de Analista de Riesgos)

Monto a Financiar >= 500 y <= 300 Mil

Frecuencia de Pago Crédito Nuevo Crédito Retorno
Mensual (2 - 36 Cuotas)
Mensual (2-48 Cuotas) Puede
ampliarse hasta 72 meses con
Garantía (***)

Cuotas Fijas e Iguales

CARACTERÍSTICAS Seguro de desgravamen de acuerdo a las condiciones de la póliza (para todo
crédito individual)
Seguros
Seguros adicionales de cobertura de la recuperación de préstamo frente a siniestro
como:

• Multiriesgo (asegura mercadería/bienes del negocio)
• Todo Riesgo (asegura el inmueble en caso de siniestro)
• Optativo (asegura al titular en caso de accidente)

Periodo de Gracia 30 días

Cancelación Se aplica penalidad desde cualquier cuota y es sobre el saldo de capital (ajuste de
Anticipada intereses)

(*)En caso sea Persona Jurídica, se puede considerar experiencia empresarial de Accionista mayoritario: Persona Natural 6 meses + Persona Jurídica 06 meses.
(**) El ratio cuota excedente familiar será de 60%

CONSUMO

Tú te lo mereces, crédito para
adquirir un bien o Servicio de uso

personal.

FINANCIAMOS
TUS:

Viajes.
Gastos por estudios.
Compra de artefactos.
Y otros.

Tipo de ingreso Independiente

REQUISITOS Antigüedad de negocio Mínimo 12 meses

Antecedentes 100% Normal, máximo 20% CPP en un periodo de 6 meses.
Crediticios (excepto último mes)

Moneda Soles
Monto a Financiar S/. 1 Mil - S/. 10 Mil

Frecuencia de Pagos Semanas (4 - 36 Cuotas) / Bi Semanas (4 - 36 Cuotas) / Mensual (2 - 18 Cuotas)

Cuotas Fijas e iguales

CARACTERÍSTICAS Seguro de Desgravamen

Seguros • Multiriesgo (asegura mercadería/bienes del negocio)
• Todo Riesgo (asegura el inmueble en caso de siniestro)
• Optativo (asegura al titular en caso de accidente)

BENEFICIOS Fecha de 1er Vencimiento Hasta el 27 de cada mes

Periodo de Gracia 30 días

Cancelación Se aplica penalidad desde cualquier cuota y es sobre el saldo de capital
Anticipada (ajuste de intereses)

TODO OFICIOS

Si eres un peruano todo oficios,
puedes obtener tu crédito.

CRÉDITO PARA
EL COLABORADOR
DE NUESTRO
MICROEMPRESARIO:

Dependientes:
Formales o informales:
Obreros, Vigilantes,
etc.

Y además

Independientes:
Eletricistas, Pintores,
Conductores, etc.

Tipo de ingreso Independiente sin negocio con oficio
Dependiente informal

TipToidpeoindgerreinsogreso IndIInneddpeeeppneednnieddnieiteenntsetein negocio con oficio: 12 meses en el oficio
AAEdnnAEatitdgndiütgaiegüddüeaeddddaaeddldneegnoecgioociodDDeeeM>>Mspp==cííeenna2nni2imn1mdd1soiiaoeeoañnn16ñ3ott2eeosmmmsiF<neeoe<=fssorseme6r6esms9s9a, alea:alxñ:1ñco12oes2smpymyteo3es36lseo64ess4sddúddíelatíeiasamsenoxtispge3üremiedneacsdei,asmeánxliamaocptievirdioaddo de

REQUISITOS AnAtnetceecdeednetnetses 100% Normal, máximo 20% CPP en un periodo de 6 meses.
10(S0eo%xlceeNspotromúaltlimo osinmaenst)ecedentes negativos, titular y cónyuge
CARACTERÍSTICAS CMroCenredediadtiictiiocsios

AMnoMntteoocnaeeFddineaanncteiasr 2 eSn/o.tlie1dsaMdiel s- (SIn/.c6luMidoil BF). Se exonera 01 Tarjeta de Crédito. Titular y
cóMSn/ye.un1gsMeuai(lLl-(a2Ss/-.e1n80tidCMauidloetassn)o reguladas no serán contabilizadas)
Crediticios NoFMirjeeanqssueuieairlge(u2(ap-lee1rs8o Cdeuotetanse)rla se considera)
Propiedad NoSFierjaegsquuerioiegrdueaeleDs esgravamen
Garantía
Má•ximo 80%
Ratio Cuota Excedente

Moneda So••leMTsoudltoirRieisegsogo Retornos/ Reenganches
Monto a Nu••eTOvoopdstoatRivieosgo S/. 300 – S/. 4,500
Financiar Semanas (4 - 36 Cuotas)
S/•. 3O0p0ta-tiSvo/. 4,500 Bi Semanas (4 - 36 Cuotas)
FPPCeararnegicocoeduloaecdineóncGirAaanctdiiaceipada SeHmaasntaase(l42-72d4eCcuaodtaas)mes
Bi3S0emDíaansas (4 - 24 Cuotas) Mensual (2 – 18 Cuotas)

Mensual (2 - 12 Cuotas)

Máximo 6 cuotas para montos menores a S/. 500

Cuotas Fijas e Iguales

Destino Gastos de consumo, personales, proyectos(futuros negocios)

VIVIENDA

CRÉDITO PARA:

Ampliar tu vivienda.
Terminar tu casa.
Acabados de tu hogar.
Iniciar la construcción
en un terreno.
Y otros.

Antigüedad de Negocio Mínimo 12 meses

REQUISITOS Experiencia Crediticia Mínimo 6 meses

Antecedentes 100% Normal, máximo 20% CPP en un periodo de 6 meses.
Crediticios (excepto último mes)

Moneda Soles

Monto a Financiar Moneda en soles. S/. 2 Mil - S/. 45 Mil. Puede ampliarse hasta S/. 60
Mil con autorización del Analista de Riesgo

Frecuencia Mensual (6 - 36 Cuotas), Puede ampliarse hasta 60 meses con
de Pagos Garantía

Cuotas Fijas e iguales

CARACTERÍSTICAS Seguro de desgravamen de acuerdo a las coiciones de la póliza (para todo crédito individual)

Seguros Seguros adicionales de cobertura de la recuperación del préstamo frente a siniestros como:
Periodo de Gracia
• Multiriesgo (asegura mercadería/bienes del negocio)
• Optativo (asegura al títular en caso de accidente)
30 días

Cancelación Se aplica penalidad desde cualquier cuota y es sobre el saldo de capital
Anticipada (ajuste de intereses)

LIBRE AMORTIZACIÓN

CRÉDITO DE
CAMPAÑA A UNA
SOLA CUOTA A:

Crédito de campaña
a una sola cuota
120 días.
240 días.

TTipipooddeeinInggrreessoo InInddeeppeennddieientnete
TETidpipaododdeeccllieiennttee NN>u=ueev2ov1,oar,eñrteootrsonro<n,o7p,5apraaañlreaolloselo
REQUISITOS AAnnttigigüüeeddaaddddeel nneeggoocciioo 66mmeesesses
Antecedentes 100% Normal, máximo 20% CPP en un periodo de 6 meses.
REQUISITOS MCornedeidtaicios
(eSxocleepsto último mes)

MPornotpoiaedFaindanciar >S3/.52MMil il - S/. 80 Mil

Garantía >MSe/.n6s0uaMl i(l2(N-u1e8voCsu) otas)

CARACTERÍSTICAS FMreocnueednacia de Pagos SSPS/o.erle2orsdvMiuciclioc- iS(óN/n.o8(M0ApMalxiicl. a2)40 Días)
Monto a Financiar
CS•oemMgeuurcrloitailrdizieaecsDiógenos(gMraaxv.a1m20endías)
SPelgauzoross P•roTduocdcoióRn i(Mesagx.o240 Días)

S•erOvipcitoa(tNiovoAplica)
Seguro de Desgravamen

BCEANRAECFTEIRCÍSIOTICSAS Periodo de Gracia •NMoulatpirliiecsago
Seguros
• Todo Riesgo

• Optativo

BENEFICIOS Periodo de Gracia No aplica

EMPRENDEDOR

Hacemos tu sueño
realidad.

Dirigido a jóvenes
emprendedores,
para los que recién
están empezando.

Tipo de Ingreso Independiente (Bancarizado y no Bancarizado)

Antigüedad de negocio Mínimo 3 meses

REQUISITOS PTirpoopdieedIandgreso INnoderepqeunideireen(tpee(rBoadnecaterinzeardlao syencooBnasnidcearraiz)ado)

Garantía No requiere

TRaiptio CdueotIanEgxrceesdoente 7In5d%ependiente (Bancarizado y no Bancarizado)

Score de aprobación 455

Moneda Soles
Monto a Financiar Nuevos: S/. 300 - S/. 7,500

CARACTERÍSTICAS Frecuencia de Pago Retornos / Reenganches: S/. 300 - S/. 10,000
Ratio Cuota Excedente Semanas (4 - 24 Cuotas)
Destino Bi Semanas (4 - 24 Cuotas)
Mensual (2 - 12 Cuotas)
Fijas e iguales
Capital de trabajo (mercadería activos menores, estantería, inversiones
en el negocio menores a S/. 10,000)

Fecha de 1er Vencimiento Hasta el 27 de cada mes

Monto a Financiar Si aplica

Cuota Comodín No aplica (salvo los días generados como consecuencia de la fecha
de pago elegida por el cliente)
BENEFICIOS
Número de entidades Se aplica Penalidad

Periodo de Gracia Se aplica desde cualquier cuota

Cancelación Anticipada Se aplica sobre el saldo de capital (ajuste de intereses)

TABLA DE FACTORES MICRO Y PYME

Periodo 80.0% 79.0% 78.0% 77.0% 76.0% 75.0% 74.0%

TEM 0.05106 0.05056 0.05006 0.04956 0.04906 0.04855 0.04804

1 1.0526 1.0521 1.0516 1.0511 1.0506 1.0501 1.0496
2
3 0.5401 0.5398 0.5394 0.5390 0.5386 0.5382 0.5378
4 0.3695 0.3691 0.3688 0.3684 0.3681 0.3677 0.3674
5
6 0.2842 0.2839 0.2836 0.2833 0.2829 0.2826 0.2823
7 0.2332 0.2329 0.2325 0.2322 0.2319 0.2316 0.2313
0.1992 0.1989 0.1986 0.1983 0.1980 0.1976 0.1973
8
9 0.1750 0.1747 0.1744 0.1741 0.1738 0.1734 0.1731
10 0.1569 0.1566 0.1563 0.1560 0.1557 0.1553 0.1550
11 0.1429 0.1426 0.1423 0.1419 0.1416 0.1413 0.1410
12 0.1317 0.1314 0.1311 0.1308 0.1304 0.1301 0.1298
13 0.1226 0.1223 0.1220 0.1216 0.1213 0.1210 0.1207
14 0.1150 0.1147 0.1144 0.1141 0.1138 0.1134 0.1131
15 0.1087 0.1083 0.1080 0.1077 0.1074 0.1071 0.1067
0.1032 0.1029 0.1026 0.1023 0.1019 0.1016 0.1013
16 0.0986 0.0982 0.0979 0.0976 0.0973 0.0969 0.0966
17
18 0.0945 0.0942 0.0938 0.0935 0.0932 0.0929 0.0925
19 0.0909 0.0906 0.0903 0.0899 0.0896 0.0893 0.0889
20 0.0878 0.0875 0.0871 0.0868 0.0864 0.0861 0.0858
21 0.0850 0.0847 0.0843 0.0840 0.0836 0.0833 0.0830
22 0.0825 0.0822 0.0818 0.0815 0.0811 0.0808 0.0804
23 0.0803 0.0799 0.0796 0.0792 0.0789 0.0785 0.0782
24 0.0782 0.0779 0.0775 0.0772 0.0769 0.0765 0.0762
25 0.0764 0.0761 0.0757 0.0754 0.0750 0.0747 0.0743
26 0.0747 0.0744 0.0740 0.0737 0.0733 0.0730 0.0726
27 0.0732 0.0729 0.0725 0.0722 0.0718 0.0715 0.0711
0.0719 0.0715 0.0711 0.0708 0.0704 0.0701 0.0697
28 0.0706 0.0702 0.0699 0.0695 0.0691 0.0688 0.0684
29 0.0694 0.0691 0.0687 0.0683 0.0680 0.0676 0.0672
30 0.0684 0.0680 0.0676 0.0673 0.0669 0.0665 0.0661
31 0.0674 0.0670 0.0666 0.0663 0.0659 0.0655 0.0651
32 0.0665 0.0661 0.0657 0.0653 0.0650 0.0646 0.0642
33 0.0656 0.0652 0.0649 0.0645 0.0641 0.0637 0.0633
34 0.0648 0.0644 0.0641 0.0637 0.0633 0.0629 0.0625
35 0.0641 0.0637 0.0633 0.0630 0.0626 0.0622 0.0618
0.0634 0.0630 0.0627 0.0623 0.0619 0.0615 0.0611
36 0.0628 0.0624 0.0620 0.0616 0.0612 0.0608 0.0605

TABLA DE FACTORES MICRO Y PYME
T7A0.B0L%A DE FA69C.0T%ORES MI6C8R.0O%Y PYME67.0%
Periodo 73.0% 72.0% 71.0% 66.0%

TEM 0.047P5e3riodo 0.0470625.0% 0.0466540.0% 0.0459683.0% 0.0454662.0% 0.0449631.0% 0.0444610.0% 0.0438759.0% 58.0%

1 1.0491TEM 1.04805.04334 1.0408.004280 1.0407.504226 1.04700.04172 1.0406.504117 1.04509.04062 1.04504.04007 0.03951
2
3 0.5375 1 0.53711.0449 0.53617.0443 0.53613.0438 0.53591.0432 0.53515.0427 0.53511.0422 0.53471.0416 1.0410
4
5 0.3670 2 0.36670.5343 0.36603.5339 0.36600.5334 0.36560.5330 0.36503.5326 0.36409.5322 0.36450.5318 0.5314
6 0.3615
7 0.2819 3 0.28160.3642 0.28103.3638 0.28009.3634 0.28060.3631 0.28002.3627 0.27909.3623 0.27950.3619
0.2767
8 0.2309 4 0.23060.2792 0.2303.2788 0.22909.2785 0.22960.2781 0.22903.2778 0.22809.2774 0.22860.2771 0.2259
9 0.1920
10 0.1970 5 0.19670.2283 0.19603.2279 0.19600.2276 0.19570.2272 0.19504.2269 0.1950.2266 0.19470.2262
11 0.1678
12 0.1728 6 0.17250.1944 0.17202.1940 0.17108.1937 0.17150.1934 0.17102.1930 0.17009.1927 0.17050.1923
13 0.1498
14 0.1547 7 0.15440.1702 0.15401.1699 0.15307.1695 0.15340.1692 0.15301.1689 0.15208.1685 0.15240.1682 0.1357
15 0.1245
0.1407 8 0.14040.1521 0.1400.1518 0.13907.1514 0.13940.1511 0.13901.1508 0.13807.1504 0.13840.1501 0.1154
16 0.1078
17 0.1295 9 0.12920.1381 0.12808.1377 0.12805.1374 0.12820.1371 0.12709.1367 0.12705.1364 0.12720.1361 0.1014
18 0.0959
19 0.1204 10 0.12000.1269 0.11907.1265 0.11904.1262 0.11910.1259 0.11807.1255 0.11804.1252 0.11810.1249 0.0912
20
21 0.1128 11 0.11250.1177 0.11201.1174 0.11108.1171 0.11150.1167 0.11102.1164 0.11008.1161 0.11050.1157 0.0870
22 0.0834
23 0.1064 12 0.10610.1102 0.10508.1098 0.10504.1095 0.10510.1091 0.10408.1088 0.10404.1085 0.10410.1081 0.0802
24 0.0774
25 0.1010 13 0.10060.1038 0.1003.1034 0.10000.1031 0.09960.1027 0.09903.1024 0.0990.1021 0.09860.1017 0.0748
26 0.0725
27 0.0963 14 0.09590.0983 0.09506.0980 0.09503.0976 0.09490.0973 0.09406.0969 0.09403.0966 0.09390.0962 0.0704
0.0685
28 0.0922 15 0.09190.0936 0.09105.0932 0.09102.0929 0.09080.0926 0.09005.0922 0.09002.0919 0.08980.0915 0.0668
29 0.0652
30 0.0886 16 0.08830.0895 0.08709.0891 0.08706.0888 0.08720.0884 0.08609.0881 0.08606.0877 0.08620.0874 0.0638
31 0.0624
32 0.0854 17 0.08510.0859 0.08408.0855 0.08404.0852 0.08410.0848 0.08307.0845 0.08304.0841 0.0830.0838 0.0612
33 0.0601
34 0.0826 18 0.08230.0827 0.08109.0823 0.08106.0820 0.08120.0816 0.0809.0813 0.08005.0809 0.08020.0806 0.0590
35 0.0580
0.0801 19 0.07980.0798 0.07904.0795 0.07901.0791 0.07870.0788 0.07804.0784 0.0780.0781 0.07770.0777 0.0571
36 0.0563
0.0778 20 0.07750.0773 0.07701.0769 0.07608.0766 0.07640.0762 0.07601.0759 0.07507.0755 0.07540.0752 0.0555
0.0548
0.0758 21 0.07540.0750 0.07501.0747 0.07407.0743 0.07440.0739 0.07400.0736 0.07307.0732 0.07330.0729 0.0541

0.0740 22 0.07360.0730 0.07302.0726 0.07209.0722 0.07250.0719 0.07202.0715 0.07108.0711 0.07140.0708

0.0723 23 0.07190.0711 0.07106.0707 0.07102.0704 0.07080.0700 0.0705.0696 0.07001.0693 0.06970.0689

0.0707 24 0.07040.0694 0.0700.0690 0.06907.0686 0.06930.0683 0.06809.0679 0.06806.0675 0.06820.0672

0.0693 25 0.0690.0678 0.06806.0675 0.06802.0671 0.06790.0667 0.06705.0663 0.06701.0660 0.06680.0656

0.0680 26 0.06770.0664 0.06703.0660 0.06609.0656 0.06660.0653 0.06602.0649 0.06508.0645 0.06550.0641

0.0669 27 0.06650.0651 0.06601.0647 0.06508.0643 0.06540.0640 0.06500.0636 0.06406.0632 0.06430.0628

0.0658 28 0.06540.0639 0.06500.0635 0.06407.0631 0.06430.0627 0.06309.0624 0.06305.0620 0.06310.0616

0.064829 0.06404.0628 0.0604.00624 0.06306.0620 0.06303.0616 0.0602.90612 0.06205.0608 0.06210.0605

0.063830 0.06350.0617 0.06301.0613 0.06207.0610 0.06230.0606 0.06109.0602 0.06105.0598 0.06120.0594

0.063031 0.06260.0608 0.06202.0604 0.06108.0600 0.06140.0596 0.06100.0592 0.06007.0588 0.06030.0584

0.062232 0.06180.0599 0.06104.0595 0.06100.0591 0.06060.0587 0.06002.0583 0.05908.0579 0.05940.0575

0.061433 0.0610.0591 0.0606.0587 0.06002.0583 0.05990.0579 0.05905.0575 0.05901.0571 0.05870.0567

0.060734 0.06030.0583 0.05909.0579 0.05905.0575 0.05910.0571 0.05808.0567 0.05804.0563 0.05800.0559

0.060135 0.05970.0576 0.05903.0572 0.05809.0568 0.05850.0564 0.05801.0560 0.05707.0556 0.05730.0552

36 0.0569 0.0565 0.0561 0.0557 0.0553 0.0549 0.0545

TABLA DE FACTORES MICRO Y PYME

Periodo 65.0% 64.0% 63.0% 62.0% 61.0% 60.0% 59.0% 58.0%

TEM 0.04334 0.04280 0.04226 0.04172 0.04117 0.04062 0.04007 0.03951

1 1.0449 1.0443 1.0438 1.0432 1.0427 1.0422 1.0416 1.0410
2
3 0.5343 0.5339 0.5334 0.5330 0.5326 0.5322 0.5318 0.5314
4 0.3642 0.3638 0.3634 0.3631 0.3627 0.3623 0.3619 0.3615
5
6 0.2792 0.2788 0.2785 0.2781 0.2778 0.2774 0.2771 0.2767
7 0.2283 0.2279 0.2276 0.2272 0.2269 0.2266 0.2262 0.2259
0.1944 0.1940 0.1937 0.1934 0.1930 0.1927 0.1923 0.1920
8
9 0.1702 0.1699 0.1695 0.1692 0.1689 0.1685 0.1682 0.1678
10 0.1521 0.1518 0.1514 0.1511 0.1508 0.1504 0.1501
11 0.1381 0.1377 0.1374 0.1371 0.1367 0.1364 0.1361 0.1498
12 0.1269 0.1265 0.1262 0.1259 0.1255 0.1252 0.1249 0.1357
13 0.1177 0.1174 0.1171 0.1167 0.1164 0.1161 0.1157 0.1245
14 0.1102 0.1098 0.1095 0.1091 0.1088 0.1085 0.1081 0.1154
15 0.1038 0.1034 0.1031 0.1027 0.1024 0.1021 0.1017 0.1078
0.0983 0.0980 0.0976 0.0973 0.0969 0.0966 0.0962 0.1014
16 0.0936 0.0932 0.0929 0.0926 0.0922 0.0919 0.0915 0.0959
17 0.0912
18 0.0895 0.0891 0.0888 0.0884 0.0881 0.0877 0.0874
19 0.0859 0.0855 0.0852 0.0848 0.0845 0.0841 0.0838 0.0870
20 0.0827 0.0823 0.0820 0.0816 0.0813 0.0809 0.0806 0.0834
21 0.0798 0.0795 0.0791 0.0788 0.0784 0.0781 0.0777 0.0802
22 0.0773 0.0769 0.0766 0.0762 0.0759 0.0755 0.0752 0.0774
23 0.0750 0.0747 0.0743 0.0739 0.0736 0.0732 0.0729 0.0748
24 0.0730 0.0726 0.0722 0.0719 0.0715 0.0711 0.0708 0.0725
25 0.0711 0.0707 0.0704 0.0700 0.0696 0.0693 0.0689 0.0704
26 0.0694 0.0690 0.0686 0.0683 0.0679 0.0675 0.0672 0.0685
27 0.0678 0.0675 0.0671 0.0667 0.0663 0.0660 0.0656 0.0668
0.0664 0.0660 0.0656 0.0653 0.0649 0.0645 0.0641 0.0652
28 0.0651 0.0647 0.0643 0.0640 0.0636 0.0632 0.0628 0.0638
29 0.0639 0.0635 0.0631 0.0627 0.0624 0.0620 0.0616 0.0624
30 0.0628 0.0624 0.0620 0.0616 0.0612 0.0608 0.0605 0.0612
31 0.0617 0.0613 0.0610 0.0606 0.0602 0.0598 0.0594 0.0601
32 0.0608 0.0604 0.0600 0.0596 0.0592 0.0588 0.0584 0.0590
33 0.0599 0.0595 0.0591 0.0587 0.0583 0.0579 0.0575 0.0580
34 0.0591 0.0587 0.0583 0.0579 0.0575 0.0571 0.0567 0.0571
35 0.0583 0.0579 0.0575 0.0571 0.0567 0.0563 0.0559 0.0563
0.0576 0.0572 0.0568 0.0564 0.0560 0.0556 0.0552 0.0555
36 0.0569 0.0565 0.0561 0.0557 0.0553 0.0549 0.0545 0.0548
0.0541

OPERACIONES Banca por Banca Celular 01000000000000000000000000H000050000000.da........0.....................6.......sí05D322111111110000000000000000a0000000t3H..ea336729643210099887767676666650a55D5555586s900S651e79534705062967461439109:%85746t33G30/a195801321.08717253756810850774302537392C90S1la:,o/05m.aSS700bíí5.0jSSp(0Tea(aíí3Lm4ooa1))rAl.s0CUUoa:NS20SBa64s$0$:ej00hpL52e100000000000000000000000000000o5m00000000t5.r0A0..a.....r0......................a5........0:5322111111m110000000000000000sp0000000o3.,o33672.9643210099887767676666650Dl5555555sr7o90054068434604062967351429108s%75645328EA41468987753738310313477416330981939583G6Mu5hFDlatodoesAoísanbtdasmeeSaCSdíSdle/T.á/lN.e4a5tO50rñe10i0000000000000000000000000005o0000000oc.tR........0......................4.......o0532211111111000000000000000000000003H.Es326729643210098887767676666550SU55555Ca55o7sí890540S68434604952857351328098S%U7463532ant2(íaS860274654310405860890330729975j5759514i6$)eSMc/1ar.PP,2o0Ir,0eeC5dsTT00rr0111313331132131211212221222298223456721232765422133211123913323211238131REEii016543345517236423108002394857667687894541699001125322ooMM9O0dd:10000000000000000000000000000530000000.F0Hoo......0.............L..........3Y.......-05322111111100000000000000000aop0000000iS3Aa.snm325729643210998887767U67666655:0t5555555P68gaSa9.89944068423694951856340318098:%S7463522:$SSSSSSD60SSSeSn3Y226í912100860614364560973960531íííííí:/ííí1315107019n.c1,pM5a50itm,m0e:0e00000Er0Ca011000000000000000000000000000000000000000000000000000000004600000000000000o..aa................00..........................................m95..............005533222211111111111111100000000000000000000000000000000000000000000000j34..e4332657722987654332211100999988888877776767676666676656565005565556555555543M454748938248042r68261720438823893502691457913579160037593726%%9218510493716033e10000000000000000000000000000uHo5993420243648271600000169472268237605892798111345408028430.0110978s517735885956194aP64a0otl...........................D..s2la.......st05322111111100000000000000000rUe00000hb003it.aaoSlo32572864C321099888776767666655a0e55555556rg$ScSScaSsS78943957323593941856240218087%ou63534211/ierííí1ím.eie68257987643738093023653952o197,nr7971736155rigde,d0cr0one0u00i0etla11000000000000000000000000000000000000000000000000000000000o4600000000000000r..s.s................00..........................................84..............0055332222111111111111111000000000000000000000000000000000p0000000000000034..4332657722986654332211000999988887877776767676666576656565005565556555o5554324537378372489416726171943782379359269034691347816926483726%%821751049370690n7810000000e33900806800902004938030000070025040098340803206155830657789010758409000677653415007033901440151275090.sH70sa0...........A..................ta1.....D..alK05a322111111100000000000000000s00000003ehbg.tl32572864321099888776766666a555Sola055555555aeeeTTríSSc788s43957322583840c7452S49217987a%63524115n(usíiír/nm5AA13813543319394i75978922961875.3e35373o923t)r1eiededBB0onte0st0l00LLo110000000000000000000000000000000000000000000000000000000046.00000000000000..0AA................0..........................................73..............00553322221111111111111110000000000000000000000000000000000000000000000034..4332657722986654332211000999988887877776767676666576656565000DD5565556555555453210000:0343637827138941500701600701903377227835926900346802478159206483620500000000B0000.000000000%%581173410392606912EE0L.....0.8745425669715049..4.92.71.55.915609281240214.3466763140652.332190.8.....................-03805700717a83150532281611111100000000000000V0a3000000000pNIn.:32572m8FFl643210861699887776666545555555550i8Samc:67.8339:05721254958380741í7320998654332AA10%S0cSoi0t5947(020í009760255:6135349a4827351999913586ipCCódd9a)mo:mne0TT.0alOO00aa1100000000000000000000000000000000000000000000000000000000m6400000000000000..RR................00..........................................26..............00553322221111111111111110000000000000000000000000000000000000000000000043..EE43326577229866543322110009999888878777676767766665766565650055655555555454123436368271379315SS715061932771268249150824680263085915472615%%F7107409382695975L2101181225472615159372157136694781688090322479063199087564li94613663734871ao28nMMSssdae23alSS46IInlaíí5CChdñcodooirRRí.eaassrOO,00o11000000000000000000000000000000000000000000000000000000006400000000000000..................00..........................................15.......YY.......00553322221111111111111110000000000000000000000000000000000000000000000043..43326577229866543321110009999888878776767676766665766565650055655555555454PP112325267161378305615960832661268248158923570136704815372615%%7106309281695819YY75667488910392827259488248932514573546669908636298556441205027922939043778MM
Internet
Periodo (SMS)
57.0%
Pago de créditos. TESíM(Propios) 0.0S3í8(P9ro6pios)
1.040S5í
Pago de Tarjeta de Créditos. 1 Sí
0.5309
Pago de servicios y 2 0.3612
Cash Financiero.
3 Sí 0.2763
0.225S5í
Transferencia entre 4 0.1916
cuentas propias o cuentas
de terceros. 5 Sí 0.1675
0.1494
6 0.1354
0.1242
Transferencias 7
Interbancarias. (1) 0.1150
Disposición de Efectivo 8 Sí 0.1074
de Tarjeta de Crédito. 0.1010
Retiros. 9 0.095S5í
0.0908
10
0.0867
11 0.0831
0.0799
12 0.0770
0.0744
Compra y venta de dólares. 13 Sí 0.0721
0.070S0í
Recarga de celulares. (2) 14 Sí 0.0681
Afiliación a Banca Celular. 15 Sí 0.066S4í
0.0648
Envío y Recepción de 16 00..006632S41í
Remesas por MoneyGram. 17 0.0608
18
Depósitos en efectivo. 19 0.0597
Cambio de Clave de Tarjeta. 20 00HUa..Ss00$ta555S087/0.66p1o,5r0d0ía.o
0.0567
Consulta de saldo 21 0.0559
y movimientos. 0.L0-D5:54:100 am
22 Sí 0.0a 5104:040 pm.
Consulta de Estado de 0.0537
Cuenta de Tarjeta de Crédito. 23
Consulta de cuota de
préstamos y Tarjeta 24 Sí
de Crédito.
Cambio de clave de 6 dígitos. 25

26

27 Sí

28 Sí
29

Límites por Operación UHSa33$s10t2a,5S0/.05p,0o0r0díao. CRAÉNDAILTOES

32

Horarios de Atención 33

3L-4D: 3:00 am
3a511:00 pm.

36

Cajeros Automáticos Cajeros Corresponsales
AoNBseL5tA5.0D%EGMFlooAnbeaCdlTNeOre5otR4.E0UCS%anjieMcPParoIreeCdsrriiRooOdd5ooF3YiA.n0Pga%enYncMiteeEr46o95..00M%%u5Pl2tri.ao0gs%eengcui46ars84..00%%5A1Kg.aTT0es%AAnntBBeetsLL46AA73..00DD%%BEE50aNFFn.0acAA%coCCiódTTneOOl64aRR26..EE00SS%%FiMMnSaaIInCCldcRRoieOOr64o15YY..00PP%%YYMMEE
0.03726 TTEEMM0.0366Sí9 00..00344333064.036S1í 100..00343278070.03S5í 5(53) 00..003432012.08634Sí9(56) 00..0043127528 00..0043111978 6404..00%% 5493..00%% 5482..00%%
0.03783
1.0388 11 1.038S2í 11..004345991.03S7í6 11..004345331.03S7í1 11..004334187.036S5í 11..00433421 11..00432375 00..0043016328 00..0043000777 00..0033905115
1.0394 11..00432229 11..00431263 11..00431107
22 0000....553332654748342000..53258982 0000....553332653737908600..53258838 0000....553332653637004542..53257894 00..55323601 00..55322566 00..55322522 00..55321487 00..55321443
0.5301 0.5296 33 00..532599S26í 00..33653618 00..33652674 00..33652630 00..33651596 00..33651552
0.3604 0.3600 00..22777144 00..22777111 00..22776077
44 000000......222211772298938248243648000...221728439579 000000......222211772298837248809204000...221728439135 000000......222211772298827138000566971...221728339702 00..22778212 00..22777188 00..22226067 00..22226024 00..22225090
0.2756 0.2752 55 0.2749 00..22227125 00..22226191 00..11982770 00..11982636 00..11982602
0.2248 0.2244 66 0.2241 00..11983747 00..11983703 00..11668259 00..11668225 00..11667281
0.1909 0.1906 0.1902 00..11540448 00..11540414 00..11449481
77 0.1661 000000000000000000..................111111111111100000765433221110099998042682617204388238271616947226823760000000000.........111100011641099832S573593932í873738064 000000000000000000..................111111111111100000665433221100099998941672617194378237938372504983480326000000000.........111100011641099832572583832439394731 000000000000000000..................111111111111100000665433221100099998941571607193377227000000000504949271559156092.........111111000106432998255721838600097613 00..11669326 00..11668392 00..11336048 00..11336014 00..11335071
0.1668 0.1665 88 00..11541515 00..11540582 00..11215926 00..11214992 00..11214859
0.1487 99 0.1480 00..11337115 00..11336172 00..11116014 00..11115071 00..11105947
0.1347 0.1484 1100 00..11225093 00..11215959 00..11008258 00..11008215 00..11007281
0.1235 0.1340 00..10092614 00..10091670 00..10091547
0.1143 0.1343 1111 00..11116172 00..11116048 00..00996069 00..00996025 00..00995091
0.1067 0.123Sí1 1122 0.122Sí8 00..11009315 00..11008382 00..00981691 00..00981558 00..00981524
0.1003 0.1140 1133 0.1136 00..10092771 00..10092648
0.0948 Sí 0.1064 1144 0.106S0í 00..00997136 00..00996193 00..00887270 00..00887146 00..00887102
0.0901 0.1000 1155 0.099S6í 00..00982669 00..00982625 00..00874813 00..00873880 00..00873746
0.0945 0.0941 00..00870591 00..00870467 00..00870423
0.0898 1166 000000......000000888887935026589279000...000887418930 000000......000000888787935926155836000...000887407597 000000......000000888787835926000812402...000887407253 00..00888247 00..00888214 00..00778212 00..00777178 00..00777144
1177 0.0894 00000000000000000000....................000000000000000000007777676766666676556694175195391706379753811315404288340107190000000000..........00000000006666777656S6412520088í 3955263192 00000000000000000000....................000000000000000000007777676766665676556693064194381796268743577981070845906763750000000000..........00000000006666776556S5142429987í9612829758 00000000000000000000....................000000000000000000007777676766665676556693064084281795268643000000000013464763640156232931..........0000000000667766665595417302985549472831 00..00874981 00..00874857 00..00765956 00..00765922 00..00764888
1188 00..00871568 00..00871535 00..00763723 00..00762699 00..00762655
0.0860 0.0856 0.0853 00..00778289 00..00778246 00..00761511 00..00760488 00..00760444
0.0823 0.0820 1199 0.081S6í 00..00776024 00..00775090 00..00669332 00..00668298 00..00668254
0.0791 0.0788 2200 0.0784 00..00763890 00..00763766 00..00667155 00..00667121 00..00660678
2211 00..00761599 00..00761555 00..00569680 00..00569546 00..00569512
0.0763 0.0759 2222 0.075S5í 00..00760400 Sí 00..00669366 00..00568445 00..00568401 00..00567368
0.0737 0.07Sí3(73) 0.0730 00..00668232 Sí 00..00667198 00..00567302 00..00566268 00..00566224
0.0714 0.0710 2233 0.0707 00..00660667 00..00660623 00..00565270 00..00565136 00..00564192
0.0693 0.0689 2244 0.068S6í 00..00569513 00..00568489 00..00564068 00..00564015 00..00563071
0.0674 0.0670 2255 0.0666 00..00567480 00..00567346 00..00553958 00..00553914 00..00552970
2266 0.0649 00..00566257 00..00566214 00..00552848 00..00552804 00..00551860
0.0657 0.0653 2277 0.0633 00..00551759 00..00551715 00..00550771
0.0641 0.0637 00..006610S95í 00..00550761 00..00550627 00..00459683
0.0626 0.0622 2288 0.0593 00..00459683 00..00459549 00..00459505
0.0613 0.0609 00..00459506 00..00458562 00..00458428
0.0600 0.0597 00..00458439 00..00457495 00..00457441
aS20S64$0$:0hp5200o00000m0005r00a.a........:0ms00000p00,o.55555555lro8s547653293138995865hDadesísatdaseSdSe/./l.4a55ñ00000000o.........00000000H55555555aos84376532UtaS57955514$S/1. ,20,0500332233333333333301305226541039694 9:0000000030H.L.......-0ao00000p00Sasm5U:55555t558aS9.8:4376522:$D0S310:/351117001.1p,5a50m,m0:00000000000000000a00000.a...............00m0000000000000056555555665555556225419310891076e5807558157839H14690000000saaot.Dl.......as000000U00ehbtaolS5a55555e55r$Scca73365421u/ir1m.ie7o,917773655ride,d00one0000t00000000000000l0o.................0000000000000000565555556655545562254183107909761431147134957925e00000000Hsa.ta.......Dla000000s00ehbt5ola5555555aerc7cSa3265411uir/m3i.e5733392or1ided0one0tl000o00000000000000.................0000000000000000565555556655545555214318210790966:00000000380L877037005130581........-00000000VapI:ml155555555i8m:.:0654332100Si0t0:99991358apd9amo:m0.0aa0000000000000000m................00000000000000005655555565554455511430720978996546L43369366178147laossde23l46a5hñodorí.aass,0000000000000000................0000000000000000565555556555445551132071096898650209925922734703

BBaannccaa ppoorr BBaannccaa CCeelluullaarr CCaajjeerrooss AAuuttoommááttiiccooss CCaajjeerrooss CCoorrrreessppoonnssaalleess BBaannccoo ddee llaa SSaallddoo
PPeerrIInniioottddeeoorrnneett CCaajjTTeerrAAooBBssLLAA DDEEMMFFooAAnneeCCddTTeeOOrrooRREECCSSaajjeeMMrrooIICCss RROO YYAAPPggeeYYnnMMtteeEE MMuullttiiaaggeenncciiaass AAggeenntteess FFiinnaanncciieerroo
OPERACIONES 5471..((00SS%%MMSS)) 3504NN..00aa%%cciióónn
00..003254SSíí91((5166)) SSíí
PPaaggoo ddee ccrrééddiittooss.. 5406..00%%GGlloobbaall NNee53tt59..00%%GGlloobbaall NNee53tt48..00UU%%nniiccaarrdd 35FF73ii..nn00aa%%nncciieerroo 35PP26rr..oo00ss%%eegguurr 3515KK..aa00ss%%nneett 11..002366SS56íí SSíí
TTEESSííMM((PPrrooppiiooss)) 00..00SS23íí89((PP59rroo64ppiiooss)) 00..0023883992 00..00236760SSíí93 00..002366SS13íí 19 00..0032SS55íí 75((5535)) 00..55220749 LLllaaoossssddee2233ll4466aa55hhññooddoorríí..aaaassss,,
PPaaggoo ddee TTaarrjjeettaa ddee CCrrééddiittooss.. 11 SSíí 11..003410SS51íí 00..0032872893 00..0032772666 11..002388SS62íí 11..0023SS77íí69 11..0032SS77íí31 00..33558174
00..22673747
11..00339094 11..00329984 11..00239828 00..22216308
00..11883912
PPCCaaaaggsshhoo FFddiieennaasseennrrccvviieeiiccrriioooo..ss yy 22 SSíí 00..55323089 00..55323035 00..55232081 00..55222946 0000....553322559139SS2906íí 00..55228184 00..55228039 00..11655901
33 00..33561427 00..33654083 00..33650349 00..33560305 00..33552962 00..33552882 00..11441701
00..11327209
ddcTTcrruueeaaeennttnneessttrrffaacceesseerreerrppoonnrrssccoo..iippaaiiaaeessnnttoorreeccuueennttaass 44 00..22770633 00..22766909 00..22765956 00..22675921 00..22678496 00..22678452 00..22677418 00..11125197
0000....221121989551SS6586íí 00..22219521 00..22128488 00..22218444 00..22214801 00..22127367 00..22217332 00..11016276
55 SSíí 00..11985135 00..11980591 00..11984067 00..11890423 00..11889399 00..11883955 00..01909510
66
00..00992866
TIITnnrraatteennrrssbbffaaeennrreeccnnaaccrriiiiaaaassss.. ((11)) 77 00..11661758 00..11661724 00..11666108 00..11660656 00..11660621 00..11569589 00..11565945 00..00897311
00..11443974 00..11448307 00..11447187 00..11447143 00..00882843
ddDDeeiissTTppaaoorrssjjeeiiccttiiaaóónnddeeddeeCCrrEEééffddeeiiccttoottii..vvoo 88 SSíí 00..11325947 00..11449313 00..11234897 00..11448264 00..11442802 00..11237386 00..11237334
RReettiirrooss.. 00..11128452 00..11127375 00..11238402 00..11126264 00..11126221 00..00788422
99 00..11329503 00..11328436 00..111272SSíí08 00..00784055
1100 00..11019530 00..11128318 SSíí ((33)) 00..11018463 00..111273SSíí41 0000....111100107036SS8260íí 00..11017353 00..11017219 00..00771733
00..11001774 00..11019407 00..11001607 00..11018420 00..01909587 00..01909553 00..00678444
1111 00..11001731 SSíí SSíí 00..11000664 00..00675179
1122 00..00663945
00..00661724
CCoommpprraa yy vveennttaa ddee ddóóllaarreess.. 1133 SSíí 00..01905130 00..01904097 00..01904053 00..01904020 00..009939SS86íí 00..0099SS39íí 43 00..00993809 00..00569535
1144 0000....000088999550SS8058íí 00..00899542 00..00899408 00..00898475 00..00898431 00..00897398 00..00897354 00..00567358
RReeccaarrggaa ddee cceelluullaarreess.. ((22)) 1155 SSíí 00..00894065 00..00894031 00..00883998 00..00883954 00..00883910 00..00882877 00..00565292
AAffiilliiaacciióónn aa BBaannccaa CCeelluullaarr.. SSíí 00..00880697 00..00789533 00..00564047
EERRnneevvmmííooeessyyaaRRsseeppccooeerrppMMcciióóoonnnneeddyyeeGGrraamm.. 1166 00..00787321 00..00880653 00..00880610 00..00789576 00..007851SS76íí 00..00789409 00..00788465 00..00553903
DDeeppóóssiittooss eenn eeffeeccttiivvoo.. 00..00774909 00..00786287 00..00786243 00..00786210 00..00772844 00..00785133 00..00784099 00..00551871
1177 00..00771710 00..00773965 00..00773921 00..00772888 00..006795SS55íí 00..00772800 00..00771777 00..00550659
00..00770676 00..00770633 00..00679599 00..00679512 00..00678478 00..00459549
1188 00..00IIll45iimm84iittaa39ddoo
00..00457349
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2211 00..00678454 00..00675134 00..00676390 00..00676256 00..00676212
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2244 SSíí 00..00564058 00..00569690 00..00569557 00..00569513 00..00568479 0000....00005656SS5130íí 2581 0000....00005655SS4139íí 8147
LLíímmiitteess ppoorr OOppeerraacciióónn 00..00553937 00..00568435 00..00567491 00..00567357 00..00567313 00..00552859 00..00552815
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HHoorraarriiooss ddee AAtteenncciióónn 00..00459549 00..00551737 00..00550793
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00..00457483
2288 SSíí 00..00564014 00..00563070 00..00553937 00..00552993 ee000000ssaatt....DD..llaa000000eehhbbooll445545aaeerrccccaa663251uuiirrmmiiee905oo729rriiddeeddoonneettlloo..
2299
HH0000000000ddaa..........ííssDD00aa00000000ttHH..eeaa55aa54DD54555566ssSSee29::19098576tt00//aa11..93008089253300SS11aa::,,//0055mm..77000055..00pp00aammoooo11..00UUUUaa::SS00SS66$$00$$::00pp55220000mm0000000000550000aa............::mm00pp00000000oo..5554545555rr 28180975655945448199hhDDaaeessssttddaaeeSSSS//..//..4455550000000000..........0000000000HH5554545555aaooss28UU18097465ttaaSS1501005755$$SS//11..,,2200,,0055000000 00..00551871
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00..00457339
3333LLaa--5454DD11::1133::00::000000ppaammmm..

3366 00..00457307 00..00456362 00..00456228 00..00455284 00..00455230 00..00454196 00..00454152

TTAABBLLAA DDEE FFAACCTTOORREESS MMIICCRROO YY PPYYMMEE

PPeerriiooddoo 3635..00%% 3624..00%% 6331..00%% 6320..00%% 6219..00%% 6208..00%% 5297..00%% 5286..00%%

TTEEMM 00..0024434364 00..0024328800 00..0024321246 00..0042127428 00..0042111871 00..0042016123 00..0042000476 00..0031995717
11..00421103
11 11..00424690 11..00424533 11..00423487 11..00423420 11..00422373 11..00422227 11..00421260 00..55311644
22 00..33641851
33 00..55314939 00..55313995 00..55313940 00..55313805 00..55312769 00..55312724 00..55311689 00..22766470
44 00..33654123 00..33653089 00..33653044 00..33653010 00..33642975 00..33642931 00..33641896 00..22215395
55 00..11972909
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00..11984247 00..11984204 00..11983270 00..11983146 00..11983101 00..11982077 00..11982033 00..11325379
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1100 00..11542017 00..11541083 00..11531949 00..11531915 00..11530981 00..11530847 00..11530813 00..10097680
1111 00..11328617 00..11327673 00..11327549 00..11327515 00..11326571 00..11326447 00..11326413 00..10081945
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00..00988637 00..00988604 00..00987660 00..00987536 00..00986592 00..00986468 00..00986424 00..00873144
1166 00..00983260 00..00983126 00..00982192 00..00982068 00..00982024 00..00981090 00..00971956 00..00860821
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1188 00..00879758 00..00879714 00..00878780 00..00878646 00..00878612 00..00877578 00..00877544 00..00764286
1199 00..00875491 00..00875357 00..00875324 00..00874380 00..00874256 00..00874212 00..00873188 00..00762052
2200 00..00872079 00..00872035 00..00872001 00..00861967 00..00861933 00..00860899 00..00860865 00..00750840
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2222 00..00767533 00..00766590 00..00766466 00..00766422 00..00765398 00..00765354 00..00765320 00..00656483
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00..00564604 00..00563660 00..00563516 00..00562573 00..00562439 00..00561495 00..00561451 00..00456900
2288 00..00562561 00..00562427 00..00561473 00..00561430 00..00560396 00..00560352 00..00560218 00..00455800
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3300 00..00560218 00..00469274 00..00469230 00..00468186 00..00468142 00..00468008 00..00467065 00..00453613
3311 00..00469107 00..00468153 00..00468110 00..00467076 00..00467032 00..00456998 00..00456954 00..00452525
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3333 00..00456999 00..00456955 00..00456911 00..00455877 00..00455833 00..00454789 00..00454745 00..00450461
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3355 00..00455823 00..00454789 00..00454735 00..00453791 00..00453657 00..00453613 00..00452569
00..00454746 00..00454702 00..00453658 00..00453614 00..00452670 00..00452526 00..00451582
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PPeerrIInniioottddeeoorrnneett FFiinnaanncciieerroo
PPaaggoo ddee ccrrééddiittooss.. TTEESSííMM((PPrrooppiiooss)) 5257..((00SS%%MMSS))
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11..004200SS65íí 00..0042000476 00
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55 SSíí 00..11982033
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00..00860865
CCoommpprraa yy vveennttaa ddee ddóóllaarreess.. 1133 SSíí 00..01809110 00..00767576
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1177 00..00674780 00..00561451
00..00672414 00..00560218
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00..00467065
1199
00..00456954
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LLíímmiitteess ppoorr OOppeerraacciióónn 2244 SSíí 00..00468008

HHoorraarriiooss ddee AAtteenncciióónn 2255 00..00456987
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2266 SSíí 00..00452569
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00..00357028

SEGURO DE DESGRAVAMEN

SEGURO DE DESGRAVAMEN

Tu préstamo asegurado. Con este seguro se cancelará el saldo inicial del monto del
préstamo otorgado al asegurado, en caso de muerte natural, accidental, invalidez
total y permanente por accidente o por enfermedad. El costo mensual del seguro
asciende al 0.083% del monto del préstamo, y se incluye en la cuota.

SEGURO MULTIRIESGO

SEGURO MULTIRIESGO

Mejor prevenir que lamentar. Con este seguro protege tus mercaderías, equipos o
bienes hasta el 100%* del monto del préstamo contra pérdida o daño físico directo,
ocurrido de forma súbita e imprevista durante la vigencia de la póliza ocasionada
por: incendio, explosión, impacto de vehículo, Terrorismo y Riesgos Políticos,
terremoto y riesgos de la naturaleza. El costo mensual del seguro asciende al 0.07%
del monto de tu préstamo, y se incluye en la cuota.

SEGURO TODO RIESGO SEGUROS

SEGURO TODO RIESGO

Más seguro, imposible. Seguro de Todo Riesgo cubre los daños a los bienes del
Asegurado, contra pérdida o daño producido por: incendio, explosión, impacto de
vehículo, huelgas, conmociones civiles, daño malicioso, vandalismo, terrorismo,
terremoto y riesgos de naturaleza.
Para todas las operaciones que por su evaluación requieran que se constituya una
garantía real o inmobiliaria que respalde la operación crediticia, entendiéndose que
por cada Garantía deberá contratarse una póliza de seguro.

SEGURO CRECE EMPRENDEDOR

SEGURO CRECE EMPRENDEDOR

Protege a nuestros microempresarios y a sus familias, asegurando
la continuidad del negocio del cliente.
Es un seguro sobre la vida del asegurado, que en caso de
fallecimiento, cubre el servicio de sepelio del asegurado, y en caso de incapacidad
total temporal por accidente, otorga al asegurado una renta diaria hospitalaria y
una renta mensual por descanso no hospitalario. De esta manera, garantiza la
tranquilidad de su familia frente a estos casos.

Seguro Crece Emprendedor

Suma Asegurada (Beneficios)*

COBERTURA PLAN 1 – S27 PLAN 2 – S70

Para créditos menores o iguales a S/ 2000 Para créditos mayores a S/ 2000

COBERTURAServicioCRdEeDsITeOpSeMliEoN:ORES A S/.2,000 CSReErDvIiTcOioS MdAeYsOeRpEeSlAioS:/.2,000

Edad Mínima de IngrTersáomites de sepeli1o8 años Trámites d1e8 saeñpoeslio

Edad Máxima de IngrAetsaoúd de ma7d2earaños y 364 días Ataú5d9daeñmosadye3r6a4 días

Muerte oEdaacdcMidáexnimtaal)de PermanCenacpiailla ardie7n4teaños y 364 días Capi6ll4a aarñdoiesnyte364 días
(natural

Traslado, conducción e Traslado, conducción e

instalación del servicioSUMAS ASEGinUstRalAacDióAnSdel servicio.
COBERTURA cNaicmhpooosCacnRretEomDdaITecOlióSPneMreEúnN(chOuaRasEtlqaSuASie/Sr2/.,20,0000)0 CcNRaiEcmDhpoIToOosSacnMretoAmYdaOecRlióEPnSereAúnS(c/h.ua2a,s0tlq0a0uSie/ r2,000)

Muerte AccidentaAl sistencia legal víSa/t.e1le,0fó0n0ica AsistenciaS/l.e1g,a0l0v0ía telefónica

Renta diaria por hospitalRizeacniótan diaria hospiSt/a.l1a0r0ia: Renta diarSia/. h1o0s0pitalaria:

derivada de Accidente S/ 100 diarios
Por cada accidente que conlleSve/.a5la0 diarios
un máximo de 120 días Considera un máximo de 120 días
hospitalización del Asegurado se pagará Considera Ddeurdauncteibllae:vPigreimnceiraddíaeldseghuorsopitalización

como máximo 30 días de hospitaliDzaecdióun.cibled:uPrrainmterladvíaigdeenchioasdpeitlasleizgaucrioón

IncapacidaIndcatpoatacildad Física Total Máximo 120 días Máximo 120 días
y
Renta mensual por descanso Renta mensual por
temporal T(IeTmTp)oproalrpor Accidente no hospitaHlaasrtiao:03 Cuotas de la dHesacsatans0o3 nCouohtoasspditeallaario:
accidenteSe requiere un tiempo mínimo de
hospitalización de 24 horas. Se pagará una Deuda Contraída Deuda Contraída
cuota de la deuda, por cada 30 díasRenta
continuos de Incapacidad Total y Temporal, de(VSal/o.r1m5á0xim(coadde acuuontaaig) ual a S/. 130) (VRaelonr tmaáxdimeoSd/e3c0u0ota(cigaudalaa uS/n. a30)0)

debidamente acreditados. Carencia: 60 días Carencia: 60 días

PRIMA Se paga 1 renta meSn/s.2u5al.0p0or*cada 30 Se paga 1S/r.e6n5ta.0m0e*nsual por cada 30
días de descanso no hospitalario días de descanso no hospitalario

Máximo 3 rentas consecutivas Máximo 3 rentas consecutivas

Prima cliente S/. 27.00 S/. 70.00

(*) Se otorgará solo un beneficio por asegurado (coberturas excluyentes).

CANALES
De atención

CANALES

SEGUROS

NUECSATNROASLECASNDAELEASTDEENACTIEÓNNCIÓLNIMA

PAGO DE CRÉDITO

• Nuestros clientes tienen a su disposición:

•RAedgUennictearsd:y50A0gCeanjecroiass(soCloaTrCsa). a nivel nacional

ReLdímGitleosbamlNáexti:m2o,6s0p0oCraojpereorsación hasta S/5,000 por operación
(TD y TC).

• Agentes Kasnet a nivel nacional

Límites máximos por operación hasta S/1,000

Operaciones

••ROetfiricosin/aDsisdpoesliBcióanndceoEdfeecltaivoN. ación a nivel nacional

• CEosnsiluimltaitaddeoSeal mldonst.o a pagar
• Consulta de Movimientos.

••COamficbiionadse CdelavEeN. EL a nivel nacional

Límites máximos por operación hasta S/3,000

OFICINAS CON MESAS MICROFINANZAS CANALES

CALLAO PUENTE PIEDRA ZARATE

Av. Saenz Peña 317 Panamericana Norte Mz C Lt 17 - Av. Gran Chimu 640 - Urb. Zárate
Urb. Santo Domingo Puente Piedra
HUAYCAN SANTA ANITA
SAN HILARION
Av. José Carlos Mariátegui, Lote CENTRO BANCARIO Santa Anita
09, Zona B, Huaycán - Ate Av. Los Jardines Oeste 164 - 164A Local 8
- 166, Urb. Pro Vivienda San
CHORRILLOS Hilarión, 2da Etapa Av. Las Alondras 393, 2do Piso
(Alt. Ovalo Santa Anita)
Av. Alejandro Iglesias 599, Esq. con SJ DE MIRAFLORES
Jr. Óscar de la Barreda
Av. San Juan 1062
COLONIAL
VENTANILLA
Av. Colonial 323 - 329
Mza. C8 Lote 20 - Urb. La Bandera
COMAS
VILLA EL SALVADOR
Av. Tupac Amaru 6070 - 6074  Urb.
Repartición - Comas Av. Juan Velazco Alvarado 667,
Villa El Salvador
EMANCIPACION
VILLA MARIA DEL TRIUNFO
Av. Emancipación 199 Esq. Jr.
Camana 605 Lima AAHH Villa María del Triunfo Mz
G1 Lte 8 Sector VMT Primer Nivel
FIORI (Av Villa María 147 esq. con
Pachacutec)
CENTRO BANCARIO, Esq. Av.
Panamericana Norte con Av.
Tomás Valle - Local 3

CNNAUUNEESASTLTRREOOSSSCDCAEANNAAATLLEEESNSDCDEIEÓAANTTEEPNNRCCIOÓIÓVNNINCIAS

ATM (CAJERO AUTOMÁTICO)

PAGO DE CRÉDITO

• •NuNeusetsrotrsosclcielinetnetsestietnieennena asusudidspisopsoicsiiócnió:n:

R•eRdAedUgnUeincniactreadrs:d5:y0500A0CgaCejaenjreocrsoias(ss(oslooCloTaCTr)Cs. a). a nivel nacional

ReRdeLdGímGloitlbeoasblaNmleNáte:xt2i:m,26o,06s00p0CoaCrjaeojrpeoresorsación hasta S/5,000 por operación

(T(DTDy yTCT)C. ).

• Agentes Kasnet a nivel Nacional
OOppeLerímaritacecsioimonánexiemssos por operación hasta S/1,000

• ••CR•eoRCtnOiEeorsotsnfuisrislicotl/auismiDlndt/aiitesaaDpdsSdioesaosdplidSecoeoailsólsmlind.Bcoidóansennt.oEdcfaeeocpEtdiavfegeoca.ltraivoN. ación a nivel nacional
•

• •CoCnosnusltauldtaedMeoMvimovieimntoiesn. tos.
• •C•aCmOabmfiocbidioneadCselaCdveela. vEeN. EL a nivel nacional
Límites máximos por operación hasta S/3,000

OFICINAS CON MESAS MICROFINANZAS

AREQUIPA ICA TRUJILLO

Calle La Merced 112 y Calle Calle San Martín 290 Av. Larco 273-275 Segunda Urb. El
Palacio Viejo 211 Recreo, Trujillo
JULIACA
CAJAMARCA TUMBES
Jr. San Román 236
Jr. Junin 676 – 698, Cajamarca Calle Bolívar 143 - 145
MOSHOQUEQUE 1
CHINCHA HUANCAYO
Av. Simón Bolivar Nº 338  Urb.
Av. Mariscal Benavides 285 Moshoqueque Av. Real 283-285
Av. Mariscal Castilla 1610 Esq. con
CHULUCANAS PIURA Jr. Faustino Quispe 474

Jr. Cuzco N° 443 - 467, distrito de Jr. Libertad 723
Chulucanas
EL PORVENIR TRUJILLO
CHEPEN
Av. Sanchez Carrion Nº 577 El
Calle Trujillo N° 259 Porvenir

CHICLAYO PUNO

Jr. Elías Aguirre 756 Jr. Deustua Nro 318-320

CHIMBOTE SULLANA

Av. Francisco BolognesiI 670 Calle San Martín 716 - 724, Sullana

CUSCO TACNA

Av. Garcilaso 505-509 Calle San Martín 243-255 Esq. Calle
Bolivar 252
HUARAZ

Jr. José de Sucre 824, sección PE2

CAMPAÑASNUESTROS CANALES DE ATENCIÓN

ATM (CAJERO AUTOMÁTICO)

• Nuestros clientes tienen a su disposición:

VIGENTESRed Unicard: 500 Cajeros (solo TC).

Red GlobalNet: 2,600 Cajeros
(TD y TC).

Operaciones

• Retiros / Disposición de Efectivo.
• Consulta de Saldos.
• Consulta de Movimientos.
• Cambio de Clave.



BANCO FINANCIERO DEL PERÚ
WWW.FINANCIERO.PE

BANCA TELEFÓNICA LIMA 612-2222 PROVINCIAS 0801-00222