{"id":9,"date":"2025-01-31T21:54:12","date_gmt":"2025-01-31T20:54:12","guid":{"rendered":"https:\/\/creditotobanik.gob.gt\/?page_id=9"},"modified":"2025-07-02T10:07:04","modified_gmt":"2025-07-02T16:07:04","slug":"inicio","status":"publish","type":"page","link":"https:\/\/creditotobanik.gob.gt\/","title":{"rendered":"Inicio"},"content":{"rendered":"<p>[vc_row][vc_column][cesis_gallery type=&#8221;carousel&#8221; images=&#8221;296,297&#8243; img_size=&#8221;full&#8221; onclick=&#8221;custom_link&#8221; custom_links_target=&#8221;_blank&#8221; scroll=&#8221;yes&#8221; speed=&#8221;3000&#8243; css_animation=&#8221;bounceIn&#8221; col_mobile=&#8221;1&#8243; custom_links=&#8221;#E-8_aHR0cHMlM0ElMkYlMkZ3d3cuY2huLmNvbS5ndCUyRnByb3llY3RvLWZvcHltYSUyRg==&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeIn&#8221;][vc_column][vc_empty_space height=&#8221;65px&#8221;][vc_custom_heading text=&#8221;<b>Consulte aqu\u00ed las cooperativas autorizadas<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1750976773481{margin-bottom: 0px !important;border-bottom-width: -40px !important;padding-bottom: -40px !important;}&#8221;][vc_empty_space height=&#8221;25px&#8221;][cesis_button button_text=&#8221;Ver aqu\u00ed&#8221; link=&#8221;https:\/\/creditotobanik.gob.gt\/index.php\/cooperativas-autorizadas\/&#8221; target=&#8221;_blank&#8221; button_pos=&#8221;center&#8221; button_size=&#8221;cesis_button_large&#8221; button_radius=&#8221;10&#8243; use_gradient=&#8221;yes&#8221; use_icon=&#8221;yes&#8221; icon_animation=&#8221;hover&#8221; button_bg_color=&#8221;#2751a6&#8243; h_button_bg_color=&#8221;#1e73be&#8221; icon=&#8221;fa-career&#8221;][vc_empty_space height=&#8221;55px&#8221;][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeIn&#8221; disable_element=&#8221;yes&#8221;][vc_column][vc_empty_space height=&#8221;65px&#8221;][vc_custom_heading text=&#8221;<b>\u00bfCu\u00e1l es el proceso del Cr\u00e9dito Tob\u2019anik?<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1742307130303{margin-bottom: 0px !important;border-bottom-width: -40px !important;padding-bottom: -40px !important;}&#8221;][vc_empty_space height=&#8221;25px&#8221;][vc_row_inner content_placement=&#8221;middle&#8221; gap=&#8221;35&#8243;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1739294193345{margin-right: 10px !important;margin-left: 10px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;border-left-color: #1e73be !important;border-left-style: solid !important;border-right-color: #1e73be !important;border-right-style: solid !important;border-top-color: #1e73be !important;border-top-style: solid !important;border-bottom-color: #1e73be !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;1<br \/>\nCHN traslada fondos a Cooperativas de Ahorro y Cr\u00e9dito&#8221; font_container=&#8221;tag:h2|font_size:24|text_align:center|line_height:1.3&#8243; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css_animation=&#8221;slideInUp&#8221; css=&#8221;.vc_custom_1741710208946{border-top-width: 5px !important;border-right-width: 3px 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google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css_animation=&#8221;slideInUp&#8221; css=&#8221;.vc_custom_1741710214810{border-top-width: 5px !important;border-right-width: 3px !important;border-bottom-width: 5px !important;border-left-width: 3px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1739294171925{margin-right: 10px !important;margin-left: 10px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;border-left-color: #1e73be !important;border-left-style: solid !important;border-right-color: #1e73be !important;border-right-style: solid !important;border-top-color: #1e73be !important;border-top-style: solid !important;border-bottom-color: #1e73be !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;3<br \/>\nSolicitante presenta documentaci\u00f3n requerida por cooperativa&#8221; font_container=&#8221;tag:h2|font_size:24|text_align:center|line_height:1.3&#8243; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css_animation=&#8221;slideInUp&#8221; css=&#8221;.vc_custom_1741710220465{border-top-width: 5px !important;border-right-width: 3px !important;border-bottom-width: 5px !important;border-left-width: 3px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1739294261813{margin-right: 10px !important;margin-left: 10px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;border-left-color: #1e73be !important;border-left-style: solid !important;border-right-color: #1e73be !important;border-right-style: solid !important;border-top-color: #1e73be !important;border-top-style: solid !important;border-bottom-color: #1e73be !important;border-bottom-style: solid !important;border-radius: 15px !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;4<br \/>\nEntrega de cr\u00e9dito&#8221; font_container=&#8221;tag:h2|font_size:24|text_align:center|line_height:1.3&#8243; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css_animation=&#8221;slideInUp&#8221; css=&#8221;.vc_custom_1741710226491{border-top-width: 5px !important;border-right-width: 3px !important;border-bottom-width: 5px !important;border-left-width: 3px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;52px&#8221;][vc_row_inner][vc_column_inner][vc_custom_heading text=&#8221;<b>Cooperativas autorizadas<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d|line_height:0&#8243; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_empty_space height=&#8221;20px&#8221;][cesis_button button_text=&#8221;Ver aqu\u00ed&#8221; link=&#8221;https:\/\/creditotobanik.gob.gt\/index.php\/cooperativas-autorizadas\/&#8221; target=&#8221;_blank&#8221; button_pos=&#8221;center&#8221; button_size=&#8221;cesis_button_medium&#8221; button_radius=&#8221;10&#8243; use_gradient=&#8221;yes&#8221; use_icon=&#8221;yes&#8221; icon_animation=&#8221;hover&#8221; button_bg_color=&#8221;#2751a6&#8243; h_button_bg_color=&#8221;#1e73be&#8221; icon=&#8221;fa-career&#8221;][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;<b>Acerca del<br \/>\nCr\u00e9dito Tob\u2019anik?<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1742317446005{margin-bottom: 0px !important;border-bottom-width: -40px !important;padding-bottom: -40px !important;}&#8221;][vc_empty_space height=&#8221;22px&#8221;][vc_row_inner content_placement=&#8221;top&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][cesis_icon_paragraph i_choice=&#8221;image&#8221; image=&#8221;344&#8243; image_size=&#8221;70&#8243; i_space=&#8221;3&#8243; heading=&#8221;\u00bfEn qu\u00e9 consiste?&#8221; heading_space=&#8221;0&#8243; text=&#8221;&#8221; text_space=&#8221;0&#8243; css_animation=&#8221;fadeInUp&#8221; heading_color=&#8221;#ad9314&#8243; heading_f_size=&#8221;18px&#8221; heading_l_height=&#8221;70px&#8221; heading_t_transform=&#8221;none&#8221;][\/cesis_icon_paragraph][vc_empty_space height=&#8221;20px&#8221;][vc_column_text font_size=&#8221;19&#8243; text_resize=&#8221;yes&#8221; css_animation=&#8221;fadeInUp&#8221;]Es un programa del Gobierno de Guatemala que busca ofrecer cr\u00e9ditos accesibles a agricultores de peque\u00f1a y mediana producci\u00f3n.[\/vc_column_text][vc_empty_space height=&#8221;15&#8243;][cesis_icon_paragraph i_choice=&#8221;image&#8221; image=&#8221;345&#8243; image_size=&#8221;70&#8243; i_space=&#8221;3&#8243; heading=&#8221;\u00bfCu\u00e1l es su origen?&#8221; text=&#8221;&#8221; css_animation=&#8221;fadeInUp&#8221; heading_color=&#8221;#ad9314&#8243; heading_f_size=&#8221;18px&#8221; heading_l_height=&#8221;70px&#8221; heading_t_transform=&#8221;none&#8221;][\/cesis_icon_paragraph][vc_empty_space height=&#8221;20px&#8221;][vc_column_text font_size=&#8221;19&#8243; text_resize=&#8221;yes&#8221; css_animation=&#8221;fadeInUp&#8221;]Surge del Decreto 17-2024 Ampliaci\u00f3n al Presupuesto General de Ingresos y Egresos del Estado para el ejercicio fiscal dos mil veinticuatro del Congreso de la Rep\u00fablica, donde se denomina Fondo de Cr\u00e9dito de Apoyo a los Peque\u00f1os y Medianos Productores Agr\u00edcolas.[\/vc_column_text][vc_empty_space height=&#8221;15px&#8221;][cesis_icon_paragraph i_choice=&#8221;image&#8221; image=&#8221;346&#8243; image_size=&#8221;70&#8243; i_space=&#8221;3&#8243; heading=&#8221;\u00bfQu\u00e9 monto tiene de presupuesto?&#8221; text=&#8221;&#8221; css_animation=&#8221;fadeInUp&#8221; heading_color=&#8221;#ad9314&#8243; heading_f_size=&#8221;18px&#8221; heading_l_height=&#8221;25px&#8221; heading_t_transform=&#8221;none&#8221; g_icon_separator=&#8221;&#8221; g_heading_separator=&#8221;&#8221; g_text_separator=&#8221;&#8221; 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width=&#8221;1\/3&#8243;][cesis_icon_paragraph i_choice=&#8221;image&#8221; image=&#8221;347&#8243; image_size=&#8221;70&#8243; i_space=&#8221;3&#8243; heading=&#8221;\u00bfPara qu\u00e9 se cre\u00f3?&#8221; text=&#8221;&#8221; css_animation=&#8221;fadeInUp&#8221; heading_color=&#8221;#ad9314&#8243; heading_f_size=&#8221;18px&#8221; heading_l_height=&#8221;70px&#8221; heading_t_transform=&#8221;none&#8221;][\/cesis_icon_paragraph][vc_empty_space height=&#8221;20px&#8221;][vc_column_text font_size=&#8221;19&#8243; text_resize=&#8221;yes&#8221; css_animation=&#8221;fadeInUp&#8221;]Este cr\u00e9dito busca apoyar actividades productivas agr\u00edcolas que contribuyan al desarrollo sostenible en Guatemala.[\/vc_column_text][vc_empty_space height=&#8221;15&#8243;][cesis_icon_paragraph i_choice=&#8221;image&#8221; image=&#8221;348&#8243; image_size=&#8221;70&#8243; i_space=&#8221;3&#8243; heading=&#8221;\u00bfQui\u00e9nes son los beneficiarios?&#8221; text=&#8221;&#8221; 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height=&#8221;20px&#8221;][vc_column_text font_size=&#8221;19&#8243; text_resize=&#8221;yes&#8221; css_animation=&#8221;fadeInUp&#8221;]El Cr\u00e9dito Tob\u2019anik tiene una tasa del 10% de inter\u00e9s m\u00e1ximo anual y un Seguro Agr\u00edcola con un costo del 3% m\u00e1ximo.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; oflow=&#8221;yes&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;.vc_custom_1739290802163{background-color: #ebe7e1 !important;}&#8221;][vc_column][vc_empty_space][vc_empty_space][vc_custom_heading text=&#8221;<b>\u00bfQui\u00e9nes pueden aplicar al Cr\u00e9dito Tob\u2019anik?<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css_animation=&#8221;fadeInUp&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1739288592091{margin-top: -10px !important;}&#8221;][cesis_icon_box box_border_size=&#8221;0&#8243; i_choice=&#8221;image&#8221; image=&#8221;300&#8243; image_size=&#8221;400&#8243; heading=&#8221;Peque\u00f1o productor&#8221; text=&#8221;Se caracteriza por utilizar su producci\u00f3n tanto para consumo familiar como para la venta de excedentes.&#8221; css_animation=&#8221;fadeInUp&#8221; box_bg_color=&#8221;#ebe7e1&#8243; h_box_bg_color=&#8221;#ebe7e1&#8243; heading_f_size=&#8221;24px&#8221; heading_t_transform=&#8221;none&#8221; text_f_size=&#8221;18px&#8221;][\/cesis_icon_box][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1738946002252{margin-top: -10px !important;}&#8221;][cesis_icon_box box_border_size=&#8221;0&#8243; i_choice=&#8221;image&#8221; image=&#8221;299&#8243; image_size=&#8221;400&#8243; heading=&#8221;Mediano productor&#8221; text=&#8221;Este contrata mano de obra externa y vende la mayor parte de su producci\u00f3n.&#8221; css_animation=&#8221;fadeInUp&#8221; box_bg_color=&#8221;#ebe7e1&#8243; h_box_bg_color=&#8221;#ebe7e1&#8243; heading_f_size=&#8221;24px&#8221; heading_t_transform=&#8221;none&#8221; text_f_size=&#8221;18px&#8221;][\/cesis_icon_box][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeInUp&#8221;][vc_column][vc_empty_space][vc_empty_space][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_row_inner content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][cesis_icon icon_color=&#8221;#bcbcbc&#8221; icon=&#8221;fa-like&#8221;][cesis_count_to number=&#8221;22&#8243; use_separator=&#8221;yes&#8221; speed=&#8221;5&#8243; count_font=&#8221;alt_font&#8221; number_weight=&#8221;600&#8243; margin_top=&#8221;20&#8243;][vc_custom_heading text=&#8221;<b>Departamentos ser\u00e1n beneficiadas<\/b>&#8221; font_container=&#8221;tag:h2|font_size:22|text_align:center&#8221; google_fonts=&#8221;font_family:Abel%3Aregular|font_style:400%20regular%3A400%3Anormal&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][cesis_icon icon_color=&#8221;#bcbcbc&#8221; icon=&#8221;fa-like&#8221;][cesis_count_to number=&#8221;500&#8243; speed=&#8221;5&#8243; count_font=&#8221;alt_font&#8221; number_weight=&#8221;600&#8243; margin_top=&#8221;20&#8243;][vc_custom_heading text=&#8221;<b>Millones de quetzales<\/b>&#8221; font_container=&#8221;tag:h2|font_size:22|text_align:center&#8221; google_fonts=&#8221;font_family:Abel%3Aregular|font_style:400%20regular%3A400%3Anormal&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][cesis_icon icon_color=&#8221;#bcbcbc&#8221; icon=&#8221;fa-like&#8221;][cesis_count_to number=&#8221;12&#8243; speed=&#8221;5&#8243; count_font=&#8221;alt_font&#8221; number_weight=&#8221;600&#8243; margin_top=&#8221;20&#8243;][vc_custom_heading text=&#8221;<b>A\u00f1os de plazo<\/b>&#8221; font_container=&#8221;tag:h2|font_size:22|text_align:center&#8221; google_fonts=&#8221;font_family:Abel%3Aregular|font_style:400%20regular%3A400%3Anormal&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;zoomInRight&#8221; content_placement=&#8221;middle&#8221;][vc_column][vc_empty_space][vc_row_inner content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][vc_custom_heading text=&#8221;<b>\u00bfEn qu\u00e9 puedo invertir mi Cr\u00e9dito Tob\u2019anik?<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1742317489791{border-bottom-width: -20px !important;}&#8221;][vc_empty_space height=&#8221;50px&#8221;][vc_column_text font_size=&#8221;22px&#8221;]<\/p>\n<ul>\n<li>Puede invertirse en capital de trabajo o capital de inversi\u00f3n.<\/li>\n<li>Ejemplo: Compra de insumos agr\u00edcolas: semillas, fertilizante, plaguicidas, entre otros.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;334&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;zoomInLeft&#8221;][vc_column][vc_empty_space][vc_custom_heading text=&#8221;<b>\u00bfCu\u00e1nto puedo solicitar con el Cr\u00e9dito Tob\u2019anik?<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:left|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1742317507686{border-bottom-width: -20px !important;}&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text font_size=&#8221;22px&#8221;]<strong>Peque\u00f1o productor<\/strong><\/p>\n<ul>\n<li>Puede optar por un cr\u00e9dito de <strong>Q3,000 hasta Q150,000.<\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;330&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text font_size=&#8221;22px&#8221;]<strong>Mediano productor<\/strong><\/p>\n<ul>\n<li>Puede optar por un cr\u00e9dito de <strong>Q3,000 hasta Q300,000.<\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;329&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;50px&#8221;][vc_empty_space][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeInUp&#8221;][vc_column][vc_empty_space][vc_custom_heading text=&#8221;<b>Preguntas Frecuentes<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1742317525611{border-bottom-width: -20px !important;}&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_accordion active_tab=&#8221;0&#8243; it_t_color=&#8221;#07354f&#8221;][vc_accordion_tab title=&#8221;\u00bfEn d\u00f3nde puedo solicitar el Cr\u00e9dito Tob\u2019anik?&#8221;][vc_column_text]En cooperativas de ahorro y cr\u00e9dito autorizadas por el Cr\u00e9dito Hipotecario Nacional.<br \/>\n*Se publicar\u00e1 el listado oportunamente.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;\u00bfQu\u00e9 requisitos solicitan para optar al cr\u00e9dito?&#8221;][vc_column_text]Cada cooperativa autorizada solicitar\u00e1 requisitos espec\u00edficos, en general est\u00e1 orientado para peque\u00f1os y medianos productores agr\u00edcolas.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;\u00bfPuedo pedir m\u00e1s de un cr\u00e9dito?&#8221;][vc_column_text]No. \u00danicamente se puede solicitar un cr\u00e9dito por beneficiario.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;\u00bfQu\u00e9 tipos de cultivos aplican para este cr\u00e9dito?&#8221;][vc_column_text]Todos los cultivos aplican, siempre y cuando sean cultivos legales, el tipo de cultivo que financiar\u00edan, ser\u00e1 definido por la entidad donde usted tramite su pr\u00e9stamo.[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_accordion active_tab=&#8221;0&#8243; it_t_color=&#8221;#07354f&#8221;][vc_accordion_tab title=&#8221;\u00bfCu\u00e1l es el plazo m\u00e1ximo para pagar el cr\u00e9dito?&#8221;][vc_column_text]El plazo m\u00e1ximo de pago ser\u00e1 determinado por la entidad financiera, en funci\u00f3n del tipo de cultivo y el ciclo productivo, pero siempre dentro del plazo global del fondo de 12 a\u00f1os.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;\u00bfPuedo comprar terrenos con el cr\u00e9dito?&#8221;][vc_column_text]No, los fondos no pueden ser utilizados para comprar terrenos. El cr\u00e9dito es exclusivamente para financiar actividades productivas agr\u00edcolas como insumos, plaguicidas, fertilizantes.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;\u00bfPuedo pagar deudas anteriores con el pr\u00e9stamo?&#8221;][vc_column_text]No, el fondo no financia el pago de deudas existentes ni la consolidaci\u00f3n o reestructuraci\u00f3n de deudas previas.[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab title=&#8221;\u00bfQu\u00e9 actividades no son financiables con el cr\u00e9dito?&#8221;][vc_column_text]No se pueden financiar: Compra de terrenos, pago de deudas existentes o consolidaci\u00f3n de deudas, actividades no relacionadas con la producci\u00f3n agr\u00edcola, gastos personales o de consumo, cultivos de subsistencia, cultivos il\u00edcitos, grandes plantaciones industrializadas.[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;50px&#8221;][cesis_button button_text=&#8221;Descarga el Reglamento del Cr\u00e9dito Tob\u00b4anik&#8221; link=&#8221;https:\/\/www.maga.gob.gt\/download\/acuerdo-mnisterial-229-2024-Reglamento.pdf&#8221; target=&#8221;_blank&#8221; button_pos=&#8221;center&#8221; button_size=&#8221;cesis_button_medium&#8221; button_radius=&#8221;10&#8243; use_gradient=&#8221;yes&#8221; use_icon=&#8221;yes&#8221; button_bg_color=&#8221;#2751a6&#8243; h_button_bg_color=&#8221;#1e73be&#8221; icon=&#8221;fa-download&#8221;][vc_empty_space height=&#8221;50px&#8221;][vc_single_image image=&#8221;332&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;50px&#8221;][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeInUp&#8221; content_placement=&#8221;middle&#8221;][vc_column][vc_custom_heading text=&#8221;<b>Un trabajo en conjunto de:<\/b>&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1742317539936{border-bottom-width: -20px !important;}&#8221;][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;152&#8243; img_size=&#8221;190&#215;73&#8243; alignment=&#8221;center&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;153&#8243; img_size=&#8221;200&#215;43&#8243; alignment=&#8221;center&#8221;][\/vc_column_inner][\/vc_row_inner][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1738861965102{background-color: #42acff !important;}&#8221;][vc_column][vc_single_image image=&#8221;161&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1738862073219{margin-bottom: -2px !important;}&#8221;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][cesis_gallery type=&#8221;carousel&#8221; images=&#8221;296,297&#8243; img_size=&#8221;full&#8221; onclick=&#8221;custom_link&#8221; custom_links_target=&#8221;_blank&#8221; scroll=&#8221;yes&#8221; speed=&#8221;3000&#8243; css_animation=&#8221;bounceIn&#8221; col_mobile=&#8221;1&#8243; custom_links=&#8221;#E-8_aHR0cHMlM0ElMkYlMkZ3d3cuY2huLmNvbS5ndCUyRnByb3llY3RvLWZvcHltYSUyRg==&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeIn&#8221;][vc_column][vc_empty_space height=&#8221;65px&#8221;][vc_custom_heading text=&#8221;Consulte aqu\u00ed las cooperativas autorizadas&#8221; font_container=&#8221;tag:h2|font_size:40|text_align:center|color:%2320364d&#8221; google_fonts=&#8221;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1750976773481{margin-bottom: 0px !important;border-bottom-width: -40px !important;padding-bottom: -40px !important;}&#8221;][vc_empty_space height=&#8221;25px&#8221;][cesis_button button_text=&#8221;Ver aqu\u00ed&#8221; link=&#8221;https:\/\/creditotobanik.gob.gt\/index.php\/cooperativas-autorizadas\/&#8221; target=&#8221;_blank&#8221; button_pos=&#8221;center&#8221; button_size=&#8221;cesis_button_large&#8221; button_radius=&#8221;10&#8243; use_gradient=&#8221;yes&#8221; use_icon=&#8221;yes&#8221; icon_animation=&#8221;hover&#8221; button_bg_color=&#8221;#2751a6&#8243; h_button_bg_color=&#8221;#1e73be&#8221; icon=&#8221;fa-career&#8221;][vc_empty_space height=&#8221;55px&#8221;][vc_single_image image=&#8221;305&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;fadeIn&#8221; disable_element=&#8221;yes&#8221;][vc_column][vc_empty_space height=&#8221;65px&#8221;][vc_custom_heading text=&#8221;\u00bfCu\u00e1l es el proceso del Cr\u00e9dito Tob\u2019anik?&#8221; [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/comments?post=9"}],"version-history":[{"count":283,"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/pages\/9\/revisions"}],"predecessor-version":[{"id":416,"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/pages\/9\/revisions\/416"}],"wp:attachment":[{"href":"https:\/\/creditotobanik.gob.gt\/index.php\/wp-json\/wp\/v2\/media?parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}