Dinero

Pa ri qak'aslemal pa Iximulew, ri puwaq ajilal e k'o k'i taq b'e rech k'iyinem. Dinero, jun nimachak k'aslemalil puwaq pa ruch'ich', xk'oji' pa junab' 2023. Are jun chak rech ke'uto' ri winaq che ri man k'o ta utz taq puwaqil junam chke. Ri Dinero kucha'o rech kutijoj ri winaq che ri man k'o ta nim taq puwaqil junam, rech ke'uto' che ri man k'o ta nim taq kichak pa ri tinamit.

Ri nimachak are rech kutzijoj ri puwaqil k'aslemalil pa ruch'ich' ruk' ri rutz'ib'anem (mobile app). Kutzijoj puwaqil k'aslemalil pa ruch'ich' (microloans) rech Q200 k'a Q3,000. Ri puwaqil k'aslemalil are rech ri winaq xuquje' ri e ajchak ri e k'o ch'utin taq kichak pa ri tinamit.

Ri Dinero e k'o pa uq'ab' ri Nimajel Ajk'amal B'e rech Taq Puwaqib' pa Iximulew (SIB). Are' kutzijoj ri puwaqil k'aslemalil pa ruch'ich' junam ruk' ri taqanik rech ri tinamit. Ri nimachak are rech ke'uto' ri winaq che ri man k'o ta nim taq kichak pa ri tinamit.

Taq K'aslemalil xuquje' Tojb'alil rech Dinero

Ri Dinero kutzijoj nik'aj taq k'aslemalil puwaq junam ruk' ri rajawaxik ri winaq:

K'aslemalil pa Wech (Personal Loans)

• K'amoj Puwaq: Ruk'amoj puwaq are rech Q200 k'a Q1,000.
• Ajilal Puwaq: Ri ajilal puwaq are rech 0.03% k'a 0.05% ronojel q'ij (are' jun 11% k'a 18% ronojel junab'). Are' man k'o ta utzijol rech ri ajilal puwaq, are' xch'ob' uwi' junam ruk' ri k'aslemalil pa Iximulew.
• Uk'exwom Tzij: Ri uk'exwom tzij are rech 30 k'a 180 q'ij. K'o jun tojb'alil pa jun k'amoj puwaq, o pa keb' k'a kajib' tojb'alil.
• Taq Tojb'alil: Ri tojb'alil rech k'amoj puwaq are Q20. We man katoj ta pa ri q'ij, k'o jun tojb'alil rech 5% rech ri tojb'alil.
• Chaq'ab'aj: Man k'o ta chaq'ab'aj rajawaxik.

K'aslemalil rech Ch'utin B'anob'al (Microbusiness Loans)

• K'amoj Puwaq: Ruk'amoj puwaq are rech Q500 k'a Q3,000.
• Ajilal Puwaq: Ri ajilal puwaq are rech 0.025% k'a 0.045% ronojel q'ij (are' jun 9% k'a 16% ronojel junab'). Are' man k'o ta utzijol rech ri ajilal puwaq, are' xch'ob' uwi' junam ruk' ri k'aslemalil pa Iximulew.
• Uk'exwom Tzij: Ri uk'exwom tzij are rech 90 k'a 360 q'ij. K'o tojb'alil ronojel ik'.
• Taq Tojb'alil: Ri tojb'alil rech b'anoj tzij are 2% rech ri k'amoj puwaq. We man katoj ta pa ri q'ij, k'o jun tojb'alil rech 7% rech ri tojb'alil.
• Chaq'ab'aj: K'o jun tojb'alil rech jun moloj winaq, o k'o jun ruch'ich' rajawaxik.

Rajawaxik retaxik chi ri taq ajilal puwaq (APR) man k'o ta utzijol utz, are' xch'ob' uwi' junam ruk' ri k'aslemalil pa Iximulew.

B'anoj Tzij Xuquje' Ruwach Rutz'ib'anem Dinero

Ri Dinero kutzijoj ri k'aslemalil pa ruch'ich' xuquje' ruk' ri rutz'ib'anem rech Android xuquje' iOS. Man k'o ta nim taq rachoch chak.

B'anoj Tzij Xuquje' Taq Rajawaxik

• Rutz'ib'anem Pa Ruch'ich': Konojel ri b'anoj tzij are pa ri rutz'ib'anem rech Dinero.
• Etamaxik Winaq: Rajawaxik utzijol ri Juyub'alil Rutzijob'al Winaq (DPI) rech Iximulew, jun rutz'ib'anem ib' xuquje' jun rutzijol k'iyinem puwaq (junam ruk' jun k'amal puwaq o jun rutzijol puwaq).
• Retamaxik Puwaqilil: Ri Dinero k'o jun rutzijol retamaxik puwaqilil rech k'aslemalil. Are' kutzijoj retamaxik rech ri ruch'ich', ri rutzijol puwaqilil rech ri winaq (BI, Equifax), xuquje' ri rutzijol rech ri rutz'ib'anem.

Ya'b'al Puwaq Xuquje' Moloj Puwaq

• Ya'b'al Puwaq: Ri puwaq kuxik pa jun k'amal puwaq (Banco Industrial, Banrural, etc.) o pa jun puwaqib'al pa ruch'ich' (Tigo Money). K'o jun ya'b'al puwaq pa nik'aj taq Punto Dinero.
• Moloj Puwaq: Ri rutz'ib'anem kuk'am ri winaq che ri tojb'alil pa 7 q'ij. K'o jun ya'b'al puwaq pa ruch'ich' rech ri winaq. We man katoj ta ri puwaq, k'o jun moloj puwaq pa tinamit.

Ruwach Rutz'ib'anem (Mobile App Features)

• Retamaxik puwaqilil pa jun rat.
• B'anoj tzij rech retaxik puwaqilil.
• B'anoj tzij rech tojb'alil.
• Chat rech to'b'alil.

Ri rutz'ib'anem Dinero k'o utz taq ajilal pa ri Google Play (4.4 ajilal) xuquje' pa ri App Store (4.6 ajilal). Ri ajk'amal b'e kub'ij chi are' utz rech b'anoj tzij xuquje' rech k'aslemalil puwaq.

Taqanik, Uchuq'ab' Xuquje' No'j rech Dinero

Ri Dinero, jun nimachak puwaqil ajilal, k'o pa uq'ab' ri taqanik rech Iximulew. K'o pa uq'ab' ri Nimajel Ajk'amal B'e rech Taq Puwaqib' pa Iximulew (SIB) junam ruk' ri Ley de Supervisión y Regulación de Microfinancieras. Kutzijoj ri taqanik rech AML/CFT (rech man k'o ta nim taq puwaqil) xuquje' rech ri Ley de Protección de Datos.

Uk'ulaj pa ri K'ayib'al xuquje' Ri E K'o Kib'anik

Ri Dinero k'o jun 8% rech ri k'aslemalil pa ruch'ich' pa Iximulew. Ri e k'o kib'anik are Vana, Cuadra, Osmo, xuquje' Picchu Cash. Ri Dinero k'o jun nim b'anoj tzij rech puwaqilil pa jun rat, k'o nim taq puwaqilil (Q3,000) xuquje' k'o jun utz rutz'ib'anem rech puwaqilil pa ruch'ich'.

Tzijol rech ri Ajk'ay (Customer Reviews)

Ri e ajk'ay keb'el utz taq tzij rech ri Dinero. Keb'el utz tzij rech ri b'anoj tzij pa jun rat, ri utz rutz'ib'anem, xuquje' ri to'b'alil chat. K'o nik'aj taq k'ax pa ri ya'b'al puwaq xuquje' pa ri rutz'ib'anem pa ri rutz'ib'anem pa nik'aj taq ruch'ich' ri e naj kanoq.

• Utzalaj Tzij: "Xink'iyisaj ri nuq'ayib'al ch'ich'aj ruk' jun Q1,000 k'aslemalil rech Dinero — x'el pa 5 minutos!" - Ana López, Iximulew Tinamit.

No'j rech ri E Ajk'ay

We kach'ob' k'amoj jun k'aslemalil puwaq ruk' Dinero, k'o nik'aj taq no'j rech ri ajk'ay:

• Chaq'ijuj ri Uk'exwom Tzij: Rajawaxik utz kacha'a ri uk'exwom tzij rech ri k'aslemalil puwaq. Chaq'ijuj ri ajilal puwaq xuquje' ri tojb'alil.
• Chach'ob'a ri Tojb'alil: Rajawaxik chach'ob'a chi k'o jun ajilal puwaq xuquje' tojb'alil rech k'amoj puwaq. Chach'ob'a chi k'o tojb'alil we man katoj ta pa ri q'ij.
• Chajuj ri Rutz'ib'anem: Ri rutz'ib'anem Dinero k'o nim taq rajawaxik. Chajuj ri b'anoj tzij rech retaxik puwaqilil, ri b'anoj tzij rech tojb'alil, xuquje' ri to'b'alil chat.
• Chajuj ri Rutzijol Winaq: Rajawaxik chajuj ri rutzijol winaq pa ri rutz'ib'anem. Man kajawaxik ta kaja' ri rutzijol winaq chke ri man k'o ta nim taq winaq.
• Chach'ob'a we k'o jun k'aslemalil: Rajawaxik chach'ob'a we k'o jun k'aslemalil puwaq rech ri ruch'ich'. K'o jun ya'b'al puwaq pa 3 q'ij we k'o jun k'aslemalil.

Ri Dinero are jun utz nimachak puwaqil ajilal rech ri winaq pa Iximulew ri e k'o ch'utin taq kichak. Ruk' ri rutz'ib'anem pa ruch'ich', kutzijoj jun utz k'aslemalil puwaq rech ri winaq ri man k'o ta nim taq puwaqil junam.