\n
<\/p> \n
La relaci\u00f3n cara a cara que los agentes y asesores de cr\u00e9dito de la microfinanciera Contactar tienen con sus clientes, de los cuales el 80% est\u00e1n en zonas rurales, le ha permitido a la entidad tener uno de los \u00edndices de cartera vencida m\u00e1s baja del pa\u00eds con el 2,67 %.<\/b> Esto, de acuerdo con Paulo Emilio Rivas Ortiz, presidente de Contactar, se debe a que se conjugan dos factores importantes: la labor de educaci\u00f3n financiera que realizan los empleados de la firma y la organizaci\u00f3n, y buenas costumbres de pago que tienen los clientes en los m\u00e1s de 300 municipios que atiende. <\/p> \n
(Microcr\u00e9dito nunca baj\u00f3 intereses en la pandemia).\u00a0 <\/p> \n
La entidad fue creada hace 30 a\u00f1os en Pasto y el 80 % de clientes est\u00e1 en zonas rurales y el 20 % en ciudades. <\/p> \n
El presidente de Contactar asegura que \u201ces f\u00e1cil tener una oficina en una ciudad, pero cuando el asesor sale a la cima de la monta\u00f1a a buscar a un campesino que no tiene historia de cr\u00e9dito, eso es hacer inclusi\u00f3n financiera\u201d.<\/i> <\/p> \n
Actualmente la entidad hace presencia en 11 departamentos y en abril sumar\u00e1 uno m\u00e1s, y tendr\u00e1 una cobertura por lo que adelanta la contrataci\u00f3n de 110 personas para llegar a 1.200 colaboradores directos, contratados a t\u00e9rmino indefinido. <\/p> \n
Como corporaci\u00f3n, Contactar no capta recursos del p\u00fablico y en cambio se fondea con cr\u00e9dito bancario y fondos del exterior y en ese sentido no distribuye los excedentes pues estos se reinvierten en cr\u00e9ditos<\/b>, oficinas, n\u00f3mina y programas de sostenibilidad y desarrollo social. <\/p> \n
(Microcr\u00e9dito, clave en la recuperaci\u00f3n).\u00a0 <\/p> \n
Asimismo, la entidad realiza permanentemente cursos de educaci\u00f3n financiera, actividades rurales y programas ambientales sin costo para los clientes. <\/p> \n
La entidad es vigilada por la Dian, la Superintendencia de Sociedades y tiene la revisor\u00eda fiscal de KPMG. <\/p> \n
INDICADORES\u00a0<\/b> <\/p> \n
Contactar ten\u00eda una cartera al cierre de 2021 de $430.000 millones y hacia el final del 2022 esta podr\u00eda cerrar en unos $490.000 millones, seg\u00fan Rivas. <\/b>A finalizar a\u00f1o pasado ten\u00eda 114.610 clientes. <\/p> \n
El directivo dice que los mayores porcentajes de cartera son capital de trabajo y mejoras de vivienda. <\/p> \n
Rivas sostiene que Contactar quiere ser banco y para ese efecto ya se realizan contactos con la Superintendencia Financiera. <\/p> \n
\u201cEso nos dar\u00eda la oportunidad de ofrecer otro tipos de productos como el ahorro y fondos para la educaci\u00f3n de los hijos\u201d, <\/i>dice. <\/p> \n
La entidad termin\u00f3 el 2022 con un patrimonio de $170.000 millones y excededentes de $17.000 millones. <\/p> \n
El presidente de la entidad destaca la relaci\u00f3n cara a cara con los clientes, como una forma de mantener indicadores financieros sanos.<\/b> <\/p> \n
PORTAFOLIO <\/p> \n<\/div>\n
Fuente: Portafolio<\/a> <\/p> \n<\/div>","protected":false},"excerpt":{"rendered":"
La relaci\u00f3n cara a cara que los agentes y asesores de cr\u00e9dito de la microfinanciera Contactar tienen con sus clientes, de los cuales el 80% … <\/p> \n","protected":false},"author":2,"featured_media":71151,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":[],"categories":[1273],"tags":[2432,1894,7470,7469,2833],"yoast_head":"\n
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