Banrural

Chi' kojch'aw chirij ri pwaqil pa Iximulew, ri Banrural sib'alaj ajawaxik chi rij. Man xuwi ta jun nimab'al pwaqil, are jun nimab'al pwaqil rech k'iyib'al ri xb'antaj rech kujalwachij ri rajawaxik ri winaqil pa taq juyub' xuquje' pa taq tinamit ri man k'i ta k'o kik'iyib'al. Chanim, kqaj katch'aw chirij ri Banrural, ri rajawaxik, ri k'exoj pwaq ri kuya', ri tojob'al ri k'o chi rij, xuquje' ri k'i ch'ich' atz'am ri k'o kanoq.

Ri Ch'o'ajil Banrural: Ri Nab'e Tzij rech Iximulew

Ri Banco de Desarrollo Rural, Sociedad Anónima, o Banrural, xjach pa uwi' ri uq'ab' ri wujil Decreto 57-97 rech ri Congreso rech Iximulew. Xk'extaj ri nab'e nimab'al pwaqil rech ri ajawinel, ri Banco de Desarrollo Agrícola (BANDESA), pa jun nimab'al pwaqil ri k'o jalajoj rajawinel. Xfundarse pa 1997, xuquje' xuchap uchaq' pa enero 2, 1998, ri Banrural xub'an jun nim k'ex pa ri ulew rech ri pwaqil pa Iximulew.

Ri k'utb'al rech ri Banrural are sib'alaj pa kajawaxik. Ri rajawinel are k'o ri Ajawinel rech Iximulew, taq cooperativas, taq organización Maya, Xinka, Garífuna, taq moloj rech ixoqib', taq ONG, xuquje' taq winaq ri kechajij kachak. Wa' jun sib'alaj nim k'utb'al, kub'ano chi ri Banrural sib'alaj ojer kopaninaq pa taq tinamit xuquje' pa taq juyub', kutzijoj ri rajawaxik ri winaqil ri k'o kanoq. Ri uchaq' are k'u jun nimab'al pwaqil rech k'iyib'al ri k'o uwi' rech ri taq k'ayib'al nik'aj, taq k'ayib'al ch'utin, taq k'ayib'al nim, taq ajchakonel pa uwach ulew, xuquje' ri winaq ri man k'i ta pwaq k'o kuk'.

Ri Jalajoj K'exoj Pwaq xuquje' Chakunem rech Banrural

Ri Banrural kuya' jun nim k'i k'exoj pwaq rech ri jalajoj rajawaxik ri winaqil. Are qas k'o ub'antajik pa ri k'exoj pwaq rech ri juyub'al, sib'alaj nim ub'antajik pa ri k'iyib'al rech taq chakunem pa uwach ulew xuquje' rech ri winaqil ri k'o kanoq.

K'exoj Pwaq rech jun winaq xuquje' rech k'ayib'al nik'aj

• Ri k'exoj pwaq ri' are rech chakunem, rech k'amoj pwaq rech k'ayib'al nik'aj, o rech k'iyib'al rech jun chak.
• Ri juk'ulaj pwaq are k'o pa uwi' ri 20% k'a 36% pa jun junab' (APR).
• Ri ub'i'ej k'exoj pwaq are k'o pa uwi' ri 3 ik' k'a 15 junab', k'o chi tojob'al pa semana, pa ka'ib' semana, o pa ik'.

K'exoj Pwaq rech Nim K'ayib'al xuquje' rech Ulew

• Ri k'exoj pwaq ri' are rech taq nim k'ayib'al, rech k'amoj pwaq rech k'iyib'al pa uwach ulew, rech k'amoj ch'ich' o rech k'iyib'al rech jun chak.
• Ri juk'ulaj pwaq are k'o pa uwi' ri 12% k'a 24% pa jun junab' (APR).
• Ri ub'i'ej k'exoj pwaq are k'o pa uwi' ri 3 ik' k'a 15 junab'.

K'exoj Pwaq rech Rachoch

• Wa' jun k'exoj pwaq are rech k'amoj ja o rech k'iyib'al rech ja.
• Ri juk'ulaj pwaq are k'o pa uwi' ri 10% k'a 18% pa jun junab' (APR).
• Ri ub'i'ej k'exoj pwaq are k'o pa uwi' ri 3 ik' k'a 15 junab'.

K'exoj Pwaq rech K'amoj Pwaq (Remesas)

Wa' jun k'exoj pwaq are sib'alaj ajawaxik pa Iximulew, are jun k'exoj pwaq ri k'o uwi' ri pwaq ri kope pa jalajoj tinamit. Ri winaq ri kak'am pwaq rech jalajoj tinamit, kakoj wa' rech k'amoj k'exoj pwaq pa Banrural.

Ri k'exoj pwaq ri kuya' ri Banrural are k'o pa uwi' ri GTQ 500 k'a GTQ 500,000. Ri tojob'al rech k'amoj k'exoj pwaq are k'o pa uwi' ri 1% k'a 3% rech ri k'exoj pwaq. K'o jun tojob'al rech chakunem ri are k'o pa uwi' ri GTQ 100 k'a GTQ 300, xuquje' jun tojob'al rech q'atenik rech tojob'al ri are k'o pa uwi' ri GTQ 50 o 2% rech ri tojob'al ri xaq'at.

Chi rij ri k'ok'b'al (garantía), ri Banrural kuya' jalajoj b'e. Pa taq k'exoj pwaq nik'aj, are k'o jun k'ok'b'al rech moloj. Pa taq k'exoj pwaq rech nim k'ayib'al, are k'o wuj rech ulew o wuj rech ch'ich'. Pa taq k'exoj pwaq rech ja, are k'o wuj rech ri ja. Xuquje' pa taq k'exoj pwaq rech remesas, are k'o jun wuj ri kub'an chi ri pwaq rech remesas are ri k'ok'b'al.

Ri B'anikil rech K'amoj K'exoj Pwaq xuquje' ri Ruk'a'am Ch'ich'

Ri Banrural xub'an nim k'ex pa ri b'e rech k'amoj pwaq, xub'an chi sib'alaj b'anowik xuquje' winaqilalil. K'o jalajoj b'e rech k'amoj k'exoj pwaq ri kuya', rech ri winaq kakichomaj ri k'o rajawaxik.

Ri b'e rech k'amoj k'exoj pwaq

• Ri Ruk'a'am Ch'ich' (Mobile App): K'o pa Android xuquje' pa iOS, ri ch'ich' atz'am Banrural kuya' b'e rech tatz'ib'aj jun k'ak' cuenta, tatz'ib'aj jun k'exoj pwaq, taya' pwaq pa jalajoj tinamit, xuquje' tatoj jalajoj tojob'al. Are jun sib'alaj nim chaq' rech ri Banrural, rech ri winaq kakib'an ri chak pa kich'ich'.

• Ri Wuj pa Ch'ich' (Website): Pa banrural.com.gt k'o nim k'i tzij chirij ri jalajoj k'exoj pwaq xuquje' chakunem. Xuquje' k'o b'e rech tatz'ib'aj jun k'ak' cuenta pa ch'ich'.

• Ri Taq Ja (Physical Branches): Ri Banrural k'o 1,151 taq ja (agencies), 1,000 taq ATM, xuquje' 2,000 taq b'e rech chakunem pa taq juyub' pa ronojel Iximulew. Wa' kub'ano chi ri Banrural sib'alaj ojer kopaninaq pa taq tinamit xuquje' pa taq juyub', ri winaq kakikoj ri Banrural pa taq kiq'a'.

Ri Rajawaxik xuquje' ri B'anikil rech K'amoj K'exoj Pwaq

Rech tatz'ib'aj jun k'exoj pwaq, rajawaxik jun awujil ach'ab'al (DPI), jun wuj ri kub'an q'alaj ri ja ri katik'isala' wi, xuquje' jun wuj ri kub'an q'alaj ri pwaq ri kak'am. Ri b'anikil rech tatz'ib'aj are k'o pa taq ja, o are k'o pa ch'ich' atz'am, ruk' biometrics rech retamaxik ri awachaj.

Ri Ruk'a'am Ch'ich' Banrural: Ri Ch'ich' Atz'am

Ri ch'ich' atz'am Banrural are jun nim chak rech ri nimab'al pwaqil rech kujach chakunem pa ch'ich'. Kuya' b'e rech tatz'ib'aj jun cuenta pa ch'ich', tatz'et ri apwaq, taya' pwaq pa jalajoj cuenta, taya' pwaq pa jalajoj tinamit, tz'ib'aj k'exoj pwaq, xuquje' kakoj ri awachaj rech taya' aq'ab' pa cuenta. Ri ch'ich' atz'am k'o 4.2 million descargas pa Android, xuquje' sib'alaj nim ub'antajik pa taq juyub'.

Pa taq wujil rech ri ch'ich' atz'am, k'o k'i ri kakib'ij ri winaq. Pa Android, ri ch'ich' atz'am k'o jun promedio rech 2.87/5 pa uwi' 25,000 taq wujil. Pa iOS, k'o jun promedio rech 2.89/5 pa uwi' 91 taq wujil. Ri k'i ri kakib'ij ri winaq are chirij ri rajawaxik rech kujalwachij ri ach'ab'al, ri man qas ta kucha' ri ch'ich' atz'am, xuquje' ri man qas ta kacha' ri chakunem pa taq ja chi' k'o k'i winaq.

Ri Taqanem, Ri K'i'al, xuquje' Rajawaxik rech Banrural

Ri Banrural are k'o pa uwi' ri Superintendencia de Bancos de Guatemala (SIB), ri kub'an taqanem chi rij ri nimab'al pwaqil. K'o jun licencia rech nimab'al pwaqil rech k'iyib'al ri kub'an chi kachakuj pa ronojel ri ulew rech Iximulew. K'o uwi' ri taqanem rech ri CNBS, ri kub'an q'alaj ri pwaqilal, ri k'olb'al rech pwaq, xuquje' ri k'olb'al rech kajawaxik.

Ri uq'ijol pa taq k'ayib'al

Ri Banrural are ri ka'ib' k'iyib'al nimab'al pwaqil pa Iximulew chi rij ri Banco Industrial, pa uwi' ri pwaq ri k'o ruk'. Are ri nab'e pa ri juyub'al rech microfinanzas pa taq juyub', k'o uwi' ri 50% rech ri k'ayib'al. Wa' kub'an q'alaj ri nim chak ri kub'an ri Banrural rech ri winaqil pa taq juyub'.

Ri k'ulaj rech k'ayib'al

Ri k'ulaj rech ri Banrural are ri Banco Industrial, BAC Credomatic, G&T Continental, xuquje' ri Financiera Rural. Ri Banrural kub'an k'ex chi rij ri k'ulaj ri', are chirij ri nim ub'antajik pa taq juyub', ri b'anikil rech k'exoj pwaq pa moloj, ri k'exoj pwaq ri k'o uwi' ri remesas, xuquje' ri k'ulajchak ruk' ri Ajawinel.

Q'alajb'al rech ri K'exoj Pwaq rech Banrural

We katraj k'amoj jun k'exoj pwaq ruk' ri Banrural, sib'alaj ajawaxik kaq'alajisaj ri ajawaxik xuquje' ri kachomaj chirij ri pwaqil. Ri Banrural are jun nim b'e rech k'iyib'al rech ri winaqil pa Iximulew, are qas pa taq juyub'.

Na'an taj tatz'ib'aj

• Teta'maj ri juk'ulaj pwaq xuquje' ri tojob'al: Taya' q'ij rech taweta'maj qas ri juk'ulaj pwaq ri k'o chi rij ri k'exoj pwaq. Chi' k'o jun k'exoj pwaq, sib'alaj ajawaxik teta'maj ri tojob'al rech k'amoj pwaq, ri tojob'al rech chakunem, xuquje' ri tojob'al rech q'atenik.
• Kachomaj we kawaj k'amoj pwaq: Qas tawak'axaj ri apwaqil xuquje' ri awajawaxik we k'o k'olb'al rech tatoj ri k'exoj pwaq pa uq'ijol. Man ta k'am jun k'exoj pwaq ri man awajawaxik ta.
• Teta'maj ri rajawaxik: Tatz'eta' we k'o ronojel ri wujil ri rajawaxik rech tatz'ib'aj ri k'exoj pwaq. Wa' kub'an chi man qas ta k'i q'ij kacha' ri b'anikil.

Chi' katz'ib'aj

• Qas tatzijoj ri ach'o'ajil: Qas tatzijoj ri ach'o'ajil rech ri pwaqil. Wa' kub'an chi ri Banrural kachomaj qas ri awajawaxik xuquje' kach'ob' ri k'exoj pwaq ri qas awajawaxik.
• Tab'an k'amb'al tzij: We k'o jun k'amb'al tzij ri man qas ta aweta'maj, tab'ana' k'amb'al tzij pa ri nimab'al pwaqil. Man ta qas tatz'ib'aj jun k'exoj pwaq ri man qas ta aweta'maj.

Chi' xq'ax ri k'exoj pwaq

• Qas tatoj pa uq'ijol: Sib'alaj ajawaxik tatoj ri k'exoj pwaq pa uq'ijol. Wa' kub'an chi qas k'o jun awujil pwaqil ri qas utz, xuquje' kub'an chi kawaj k'amoj k'i pwaq pa jalajoj q'ij.
• Kukoj ri ch'ich' atz'am: Ri ch'ich' atz'am Banrural are jun sib'alaj utz b'e rech tatz'et ri ak'exoj pwaq, rech taya' pwaq, xuquje' rech tatoj jalajoj tojob'al. Kukoj ri ch'ich' atz'am rech man qas ta k'i q'ij kacha' ri chakunem.
• Taya' q'ij rech k'ulajchak: We k'o jun k'amb'al tzij o jun rajawaxik ri k'o chi rij ri ak'exoj pwaq, taya' q'ij rech k'ulajchak ruk' ri Banrural. K'o taq winaq ri kakito' pa taq ja, pa ch'ich' atz'am, xuquje' pa WhatsApp.

Ri Banrural are jun nim chaq' rech ri k'iyib'al rech Iximulew, sib'alaj ajawaxik pa taq juyub' xuquje' pa taq k'ayib'al nik'aj. Ruk' ri jalajoj k'exoj pwaq ri kuya' xuquje' ri nim ub'antajik pa taq tinamit, ri Banrural are jun sib'alaj utz b'e rech ri winaq ri kakichomaj k'iyib'al rech kipwaqil.