{"id":16,"date":"2025-08-28T14:05:14","date_gmt":"2025-08-28T14:05:14","guid":{"rendered":"https:\/\/www.comac.uy\/nvo\/?page_id=16"},"modified":"2026-06-08T10:43:58","modified_gmt":"2026-06-08T13:43:58","slug":"servicios","status":"publish","type":"page","link":"https:\/\/www.comac.uy\/nvo\/servicios\/","title":{"rendered":"Servicios"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00bb1&#8243; admin_label=\u00bbFeatures\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb13px||17px||false|false\u00bb top_divider_color=\u00bb#ff9203&#8243; bottom_divider_style=\u00bbarrow3&#8243; bottom_divider_color=\u00bb#ff9203&#8243; bottom_divider_height=\u00bb100%\u00bb animation_style=\u00bbfade\u00bb animation_duration=\u00bb2000ms\u00bb animation_delay=\u00bb50ms\u00bb collapsed=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb width=\u00bb65%\u00bb max_width=\u00bb80%\u00bb module_alignment=\u00bbcenter\u00bb custom_padding=\u00bb3px||7px|||\u00bb animation_style=\u00bbflip\u00bb animation_duration=\u00bb2000ms\u00bb animation_delay=\u00bb50ms\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_heading title=\u00bbRequisitos b\u00e1sicos para obtener cr\u00e9dito: Documento de Identidad, constancia de domicilio (recibo de UTE, OSE, ANTEL), no estar en el Clearing de informes y recibo de sueldo.\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb5e849f8b-729f-4bd0-9c8a-3975e2f815f3&#8243; title_text_align=\u00bbcenter\u00bb title_text_color=\u00bb#FFFFFF\u00bb title_font_size=\u00bb20px\u00bb background_color=\u00bb#ff9203&#8243; module_alignment=\u00bbcenter\u00bb custom_margin=\u00bb6px||-17px|||\u00bb custom_padding=\u00bb||0px|||\u00bb border_radii=\u00bbon|26px|26px|26px|26px\u00bb border_width_all=\u00bb16px\u00bb border_color_all=\u00bb#ff9203&#8243; global_colors_info=\u00bb{}\u00bb][\/et_pb_heading][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; admin_label=\u00bbFeatures\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb1px|||||\u00bb custom_padding=\u00bb16px||44px|||\u00bb bottom_divider_style=\u00bbgraph\u00bb bottom_divider_color=\u00bb#008037&#8243; collapsed=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb width=\u00bb65%\u00bb max_width=\u00bb80%\u00bb module_alignment=\u00bbcenter\u00bb custom_padding=\u00bb13px||7px|||\u00bb animation_style=\u00bbflip\u00bb animation_duration=\u00bb2000ms\u00bb animation_delay=\u00bb50ms\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_heading title=\u00bbL\u00edneas de cr\u00e9ditos\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb729d8f6d-2fca-4fb5-b201-3eea15d1fb6c\u00bb title_font=\u00bb&#8211;et_global_heading_font||||||||\u00bb title_text_align=\u00bbleft\u00bb title_text_color=\u00bb#008037&#8243; animation_style=\u00bbfade\u00bb animation_duration=\u00bb2000ms\u00bb animation_delay=\u00bb50ms\u00bb border_width_bottom=\u00bb3px\u00bb border_color_bottom=\u00bb#ff9203&#8243; text_shadow_style=\u00bbpreset4&#8243; text_shadow_horizontal_length=\u00bb-0.02em\u00bb text_shadow_vertical_length=\u00bb0.04em\u00bb text_shadow_color=\u00bbrgba(0,84,23,0.29)\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb17px||6px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbL\u00edneas Efectivas Anuales: Pr\u00e9stamos Amortizables\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb&#x4e;||divi||400&#8243; icon_color=\u00bb#FFFFFF\u00bb image_icon_background_color=\u00bbgcid-primary-color\u00bb image_icon_width=\u00bb23px\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb437acdeb-bcfb-464c-a93c-e1cec3decff9&#8243; header_font=\u00bb|600|||||||\u00bb header_text_color=\u00bb#008037&#8243; header_font_size=\u00bb30px\u00bb body_font_size=\u00bb17px\u00bb body_line_height=\u00bb1.4em\u00bb image_icon_custom_padding=\u00bb9px|9px|9px|9px|true|true\u00bb border_radii_image=\u00bbon|200px|200px|200px|200px\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{%22gcid-primary-color%22:%91%22body_quote_text_color%22,%22image_icon_background_color%22%93}\u00bb]<\/p>\n<p>\u261b <strong>MENOR A 10.000 UI<\/strong><br \/>Hasta 12 meses: 28,64% + IVA<br \/>Mayor a 12 meses: 33,02% + IVA<\/p>\n<p>\u261b <strong>MAYOR O IGUAL A 10.000 UI<\/strong><br \/>Hasta 12 meses: 28,5 + IVA<br \/>Mayor a 12 meses: 31,17% + IVA<br \/>\u02c3 <strong>TASA DE MORA: T.E.A 39,45% + IVA<\/strong><\/p>\n<p>\u261b <strong>CR\u00c9DITOS EN UI:<\/strong><br \/>Hasta 60 meses: 10,89% + IVA<br \/>\u02c3 <strong>TASA DE MORA: T.E.A 15,08 + IVA<\/strong><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; admin_label=\u00bbFeatures\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb50px||18px|||\u00bb top_divider_style=\u00bbslant\u00bb top_divider_color=\u00bb#008037&#8243; top_divider_height=\u00bb98px\u00bb top_divider_flip=\u00bbhorizontal\u00bb bottom_divider_color=\u00bb#ff9203&#8243; bottom_divider_height=\u00bb21px\u00bb bottom_divider_flip=\u00bbvertical\u00bb collapsed=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb width=\u00bb65%\u00bb max_width=\u00bb80%\u00bb module_alignment=\u00bbcenter\u00bb custom_padding=\u00bb8px||7px|||\u00bb animation_style=\u00bbflip\u00bb animation_duration=\u00bb2000ms\u00bb animation_delay=\u00bb50ms\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_heading title=\u00bbMicro Cr\u00e9ditos\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb729d8f6d-2fca-4fb5-b201-3eea15d1fb6c\u00bb title_font=\u00bb&#8211;et_global_heading_font||||||||\u00bb title_text_align=\u00bbright\u00bb title_text_color=\u00bb#008037&#8243; animation_style=\u00bbfade\u00bb animation_duration=\u00bb2000ms\u00bb animation_delay=\u00bb50ms\u00bb border_width_bottom=\u00bb3px\u00bb border_color_bottom=\u00bb#ff9203&#8243; text_shadow_style=\u00bbpreset4&#8243; text_shadow_horizontal_length=\u00bb-0.02em\u00bb text_shadow_vertical_length=\u00bb0.04em\u00bb text_shadow_color=\u00bbrgba(0,84,23,0.29)\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_4,1_2,1_4&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb8px||3px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_4&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbAumente su capital de trabajo\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb&#x26;||divi||400&#8243; icon_color=\u00bb#FFFFFF\u00bb image_icon_background_color=\u00bbgcid-primary-color\u00bb image_icon_width=\u00bb16px\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb437acdeb-bcfb-464c-a93c-e1cec3decff9&#8243; image_icon_custom_padding=\u00bb8px|8px|8px|8px|true|true\u00bb custom_margin=\u00bb|-15px|2px|||\u00bb border_radii_image=\u00bbon|200px|200px|200px|200px\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{%22gcid-primary-color%22:%91%22body_quote_text_color%22,%22image_icon_background_color%22%93}\u00bb][\/et_pb_blurb][et_pb_blurb title=\u00bbInvierta en su negocio\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb&#x26;||divi||400&#8243; icon_color=\u00bb#FFFFFF\u00bb image_icon_background_color=\u00bbgcid-primary-color\u00bb image_icon_width=\u00bb16px\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb437acdeb-bcfb-464c-a93c-e1cec3decff9&#8243; image_icon_custom_padding=\u00bb8px|8px|8px|8px|true|true\u00bb custom_margin=\u00bb||2px||false|false\u00bb border_radii_image=\u00bbon|200px|200px|200px|200px\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{%22gcid-primary-color%22:%91%22body_quote_text_color%22,%22image_icon_background_color%22%93}\u00bb][\/et_pb_blurb][et_pb_blurb title=\u00bbAsesoramiento\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb&#x26;||divi||400&#8243; icon_color=\u00bb#FFFFFF\u00bb image_icon_background_color=\u00bbgcid-primary-color\u00bb image_icon_width=\u00bb16px\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb437acdeb-bcfb-464c-a93c-e1cec3decff9&#8243; image_icon_custom_padding=\u00bb8px|8px|8px|8px|true|true\u00bb custom_margin=\u00bb||2px|||\u00bb border_radii_image=\u00bbon|200px|200px|200px|200px\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{%22gcid-primary-color%22:%91%22body_quote_text_color%22,%22image_icon_background_color%22,%22body_quote_text_color%22,%22image_icon_background_color%22%93}\u00bb][\/et_pb_blurb][et_pb_blurb title=\u00bbTalleres\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb&#x26;||divi||400&#8243; icon_color=\u00bb#FFFFFF\u00bb image_icon_background_color=\u00bbgcid-primary-color\u00bb image_icon_width=\u00bb16px\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb437acdeb-bcfb-464c-a93c-e1cec3decff9&#8243; image_icon_custom_padding=\u00bb8px|8px|8px|8px|true|true\u00bb custom_margin=\u00bb||2px|||\u00bb border_radii_image=\u00bbon|200px|200px|200px|200px\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{%22gcid-primary-color%22:%91%22body_quote_text_color%22,%22image_icon_background_color%22,%22body_quote_text_color%22,%22image_icon_background_color%22%93}\u00bb][\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/www.comac.uy\/nvo\/convenio-micro\/\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbFirma del convenio\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb button_text_size=\u00bb20px\u00bb button_font=\u00bb|300|||||||\u00bb custom_margin=\u00bb2em||||false|false\u00bb box_shadow_style=\u00bbpreset4&#8243; box_shadow_horizontal=\u00bb1px\u00bb box_shadow_vertical=\u00bb3px\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_2&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_heading title=\u00bbCOMAC, con el prop\u00f3sito de fortalecer el Programa de Microcr\u00e9ditos ya iniciado, firm\u00f3, en el a\u00f1o 2013, un Convenio con la OPP, concretamente con el Programa de Microfinanzas para el Desarrollo Productivo del \u00c1rea de Pol\u00edticas Territoriales, ATP, de la Oficina de Planeamiento y Presupuesto, OPP. Este Programa promueve el acceso eficaz y eficiente a servicios microfinancieros acompa\u00f1ado de capacitaci\u00f3n y seguimiento t\u00e9cnico, as\u00ed como el fortalecimiento de la red institucional de apoyo a las MYPES, a nivel nacional, territorial y local de modo de consolidar el desarrollo sustentable de las microfinanzas. Este convenio tuvo como nexo a la Ec. Cecilia Ois, referente regional y a la Cdra. Florencia Garc\u00eda, referente local del Programa. El objetivo de COMAC es facilitar la inclusi\u00f3n financiera de las micro y peque\u00f1as empresas, MYPES. En el Uruguay, m\u00e1s de la mitad de las empresas activas, no acceden a cr\u00e9ditos bancarios. Es por eso que nuestra cooperativa est\u00e1 abocada a brindar el apoyo necesario a dichas empresas, no s\u00f3lo con tasas m\u00e1s bajas en los cr\u00e9ditos sino con capacitaci\u00f3n y apoyo t\u00e9cnico. Est\u00e1 dirigido a peque\u00f1as empresas, que no tienen acceso a otras entidades financieras, porque son de poca rentabilidad. Por medio de este convenio con la OPP, la cooperativa desarroll\u00f3 varias actividades:\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb5e849f8b-729f-4bd0-9c8a-3975e2f815f3&#8243; title_level=\u00bbh6&#8243; title_font=\u00bb|300|||||||\u00bb title_text_align=\u00bbjustify\u00bb title_font_size=\u00bb18px\u00bb title_line_height=\u00bb1.3em\u00bb custom_margin=\u00bb||-1px|||\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_heading][\/et_pb_column][et_pb_column type=\u00bb1_4&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bb468afb95-2d71-4efa-b1c8-9c556f2705a2&#8243; text_font=\u00bb||||||||\u00bb header_line_height=\u00bb1em\u00bb header_6_font=\u00bb|300|||||||\u00bb custom_padding=\u00bb||||false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<ul>\n<li>\n<h6>Adquiri\u00f3 un nuevo Software, especial para el trabajo con Microcr\u00e9ditos.<\/h6>\n<\/li>\n<li>\n<h6>Contrat\u00f3 una Auxiliar de Microcr\u00e9ditos.<\/h6>\n<\/li>\n<li>\n<h6>Capacit\u00f3 a sus funcionarios y directivos para este nuevo emprendimiento.<\/h6>\n<\/li>\n<li>\n<h6>Cursos de \u201cAnalista de Microcr\u00e9dito\u201d.<\/h6>\n<\/li>\n<li>\n<h6>Curso de Microcr\u00e9ditos y Manejo del nuevo Software.<\/h6>\n<\/li>\n<li>\n<h6>Curso de \u201cPlanificaci\u00f3n Financiera\u201d para microempresarios a cargo de funcionarias de COMAC.<\/h6>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u261b MENOR A 10.000 UIHasta 12 meses: 28,64% + IVAMayor a 12 meses: 33,02% + IVA \u261b MAYOR O IGUAL A 10.000 UIHasta 12 meses: 28,5 + IVAMayor a 12 meses: 31,17% + IVA\u02c3 TASA DE MORA: T.E.A 39,45% + IVA \u261b CR\u00c9DITOS EN UI:Hasta 60 meses: 10,89% + IVA\u02c3 TASA DE MORA: T.E.A 15,08 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-16","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/pages\/16","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/comments?post=16"}],"version-history":[{"count":37,"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/pages\/16\/revisions"}],"predecessor-version":[{"id":7916,"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/pages\/16\/revisions\/7916"}],"wp:attachment":[{"href":"https:\/\/www.comac.uy\/nvo\/wp-json\/wp\/v2\/media?parent=16"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}