<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0120-3053</journal-id>
<journal-title><![CDATA[Apuntes del Cenes]]></journal-title>
<abbrev-journal-title><![CDATA[Apuntes del Cenes]]></abbrev-journal-title>
<issn>0120-3053</issn>
<publisher>
<publisher-name><![CDATA[Universidad Pedagógica y Tecnológica de Colombia (UPTC)]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-30532021000100219</article-id>
<article-id pub-id-type="doi">10.19053/01203053.v40.n71.2021.11466</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Las microfinanzas rurales en Colombia y el proceso de financiarización: un estudio de caso]]></article-title>
<article-title xml:lang="en"><![CDATA[Rural Microfinance in Colombia and Financialization Process: A Case Study]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ramírez-Virviescas]]></surname>
<given-names><![CDATA[Natalia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Guevara-Castañeda]]></surname>
<given-names><![CDATA[Diego]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional de Colombia  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional de Colombia  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2021</year>
</pub-date>
<volume>40</volume>
<numero>71</numero>
<fpage>219</fpage>
<lpage>251</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-30532021000100219&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-30532021000100219&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-30532021000100219&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: El crecimiento desregulado de las microfinanzas representa una amenaza para la sostenibilidad y materialización de su misión. El presente artículo busca ahondar en el desarrollo de las microfinanzas rurales en Colombia, yendo más allá del análisis de inclusión financiera. Con este propósito, se aplica el método de investigación cualitativo, que se integra con la revisión de los índices financieros relacionados con la oferta de microcrédito al sector rural colombiano. De manera complementaria al estudio de alcance nacional, se realiza y analiza la Encuesta sobre uso de productos y servicios microfinancieros en zonas rurales 2018, con el fin de profundizar en la percepción local y regional sobre los servicios microfinancieros en siete municipios pertenecientes a las categorías 4, 5 y 6 de los departamentos de Boyacá y Santander. Tal análisis permite evidenciar que las microfinanzas rurales no son per se una solución para la pobreza, pero sí se consolidan como un instrumento a partir del cual se viabilizan y se hacen sostenibles las iniciativas productivas del campo colombiano, por lo cual sirven como herramienta complementaria a las políticas para el desarrollo rural. Clasificación JEL: G21, G32, Q14, R51, D92]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The deregulated growth of microfinance represents a threat to the sustainability and fulfillment of its mission. This paper aims to analyze the development of rural microfinance in Colombia, going beyond the study of financial inclusion. With this purpose, a qualitative research method is applied together with the review of financial indexes related to the offer of microcredits to the Colombian rural sector. In addition to the national study, Survey on the use of microfinance products and services in rural areas 2018 was carried out and analyzed for deepening in the local and regional perception of microfinance services in seven municipalities belonging to the categories 4, 5 and 6 of Boyacá and Santander states. Throughout this analysis, it is evidenced that rural microfinance is not per se a solution for poverty, but it is consolidated as an instrument through which the productive initiatives of the Colombian countryside could be viable and sustainable, which is why they serve as a complementary tool of rural development policies.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[microfinanzas]]></kwd>
<kwd lng="es"><![CDATA[financiarización]]></kwd>
<kwd lng="es"><![CDATA[pobreza rural]]></kwd>
<kwd lng="es"><![CDATA[población rural]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[economía agraria]]></kwd>
<kwd lng="es"><![CDATA[desarrollo agrícola]]></kwd>
<kwd lng="es"><![CDATA[política agraria]]></kwd>
<kwd lng="en"><![CDATA[microfinance]]></kwd>
<kwd lng="en"><![CDATA[financialization]]></kwd>
<kwd lng="en"><![CDATA[rural poverty]]></kwd>
<kwd lng="en"><![CDATA[rural population]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[agricultural economics]]></kwd>
<kwd lng="en"><![CDATA[agricultural development]]></kwd>
<kwd lng="en"><![CDATA[agricultural policy]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<label>[1]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Achury]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Virviescas]]></surname>
<given-names><![CDATA[N. R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Bancamía]]></source>
<year>2017</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B2">
<label>[2]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Alfonso]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Entidades microfinancieras: problemas cuando olvidan su misión. Estudio de tres casos]]></source>
<year>2015</year>
<publisher-name><![CDATA[Universidad Pontificia Comillas ICAI-ICADE]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B3">
<label>[3]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Armendáriz]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Virviescas]]></surname>
<given-names><![CDATA[N. R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Las microfinanzas son una alternativa para los emprendedores y las nuevas empresas": Beatriz Armendáriz]]></source>
<year>2013</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B4">
<label>[4]</label><nlm-citation citation-type="book">
<collab>Bancamía</collab>
<source><![CDATA[Informe de gestión sostenible]]></source>
<year>2017</year>
<publisher-name><![CDATA[Bancamía]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B5">
<label>[5]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Barrero]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<collab>Nuevo Colón</collab>
<source><![CDATA[Banco Agrario]]></source>
<year>2018</year>
<publisher-loc><![CDATA[Boyacá, Colombia ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B6">
<label>[6]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bateman]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La era de las microfinanzas: destruyendo las economías desde abajo]]></article-title>
<source><![CDATA[Revista Ola Financiera]]></source>
<year>2013</year>
<volume>6</volume>
<numero>15</numero>
<issue>15</issue>
</nlm-citation>
</ref>
<ref id="B7">
<label>[7]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Beachemin]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<source><![CDATA[Microfinanzas: no es la gallina de los huevos de oro]]></source>
<year>2010</year>
</nlm-citation>
</ref>
<ref id="B8">
<label>[8]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bonilla]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
</person-group>
<source><![CDATA[Estrategias para el mejoramiento de los programas de microfinanzas en Colombia]]></source>
<year>2016</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
<publisher-name><![CDATA[Universidad Nacional de Colombia]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B9">
<label>[9]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bonizzi]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financialization in Developing and Emerging Countries]]></article-title>
<source><![CDATA[International Journal of Political Economy]]></source>
<year>2014</year>
<volume>42</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>83-107</page-range></nlm-citation>
</ref>
<ref id="B10">
<label>[10]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Butcher]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
<name>
<surname><![CDATA[Galbraith]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Microfinance Control Fraud: Poverty and Profiteering in Latin America, Forum for Social Economics]]></source>
<year>2015</year>
</nlm-citation>
</ref>
<ref id="B11">
<label>[11]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Castro]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Elementos relevantes en la financiación de microcrédito rural desde entidades bancarias con metodología microcrediticia]]></source>
<year>2016</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
<publisher-name><![CDATA[Universidad Militar Nueva Granada]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B12">
<label>[12]</label><nlm-citation citation-type="">
<collab>Cooperativa Financiera de Antioquia</collab>
<collab>CFA</collab>
<source><![CDATA[Informe gestión Cooperativa Financiera de Antioquia]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B13">
<label>[13]</label><nlm-citation citation-type="">
<collab>DANE</collab>
<source><![CDATA[Pobreza monetariay multidimensional en Colombia 2016]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B14">
<label>[14]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Das]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Vijayalakshmi Das: We are vulnerable as our clients]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Reed]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<source><![CDATA[Microcredit Summit Campaign]]></source>
<year>2013</year>
</nlm-citation>
</ref>
<ref id="B15">
<label>[15]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Estrada]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Virviescas]]></surname>
<given-names><![CDATA[N. R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Banco de la República]]></source>
<year>2017</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B16">
<label>[16]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Estrada]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Venegas]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Zuleta]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<source><![CDATA[Desarrollo económico, crédito rural y conflicto armado en Colombia]]></source>
<year>2015</year>
<publisher-name><![CDATA[Matrix Group SAS]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B17">
<label>[17]</label><nlm-citation citation-type="">
<collab>Finagro</collab>
<source><![CDATA[Microcrédito rural]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B18">
<label>[18]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Virviescas]]></surname>
<given-names><![CDATA[N. R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Opportunity Colombia]]></source>
<year>2017</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B19">
<label>[19]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[González]]></surname>
<given-names><![CDATA[J. D.]]></given-names>
</name>
</person-group>
<source><![CDATA[Enfoque sistêmico para la valoración del riesgo en el sector agropecuario colombiano]]></source>
<year>2015</year>
<publisher-name><![CDATA[Asomicrofinanzas]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B20">
<label>[20]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Guevara]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Zambrano]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La sobrevalorada ilusión de las microfinanzas y las realidades de la financiación en la economía de los sectores populares]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Giraldo]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<source><![CDATA[Economía popular desde abajo]]></source>
<year>2017</year>
<page-range>147-68</page-range><publisher-name><![CDATA[Ediciones Desde Abajo]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B21">
<label>[21]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hernández]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Cervantes]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Montoya]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[¿De verdad están las instituciones de microfinanzas dando atención a los pobres?]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Pérez]]></surname>
</name>
<name>
<surname><![CDATA[Venegas]]></surname>
</name>
<name>
<surname><![CDATA[Martínez]]></surname>
</name>
</person-group>
<source><![CDATA[Modelos para la toma de decisiones en la Ingeniería Económica y Financiera: Un enfoque estocástico]]></source>
<year>2014</year>
<publisher-name><![CDATA[Centro e Investigación Avanzado en Finanzas de la Universidad Autónoma del Estado de Hidalgo]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B22">
<label>[22]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hudon]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Sandberg]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Ethical Crisis in Microfinance: Issues, Findings, and Implications]]></article-title>
<source><![CDATA[Business Ethics Quaterly]]></source>
<year>2013</year>
<volume>23</volume>
<numero>04</numero>
<issue>04</issue>
<page-range>561-89</page-range></nlm-citation>
</ref>
<ref id="B23">
<label>[23]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kappel]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Krauss]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Lontzek]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Sobreendeudamiento]]></article-title>
<source><![CDATA[Responsability Investments for Prosperity]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B24">
<label>[24]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Leyva]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<source><![CDATA[Upgrading, Downscaling y Greenfield en las microfinanzas]]></source>
<year>2010</year>
</nlm-citation>
</ref>
<ref id="B25">
<label>[25]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Maes]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Reed]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<source><![CDATA[State of the Microcredit Summit Campaign Report 2012]]></source>
<year>2012</year>
<publisher-name><![CDATA[Microcredit Summit Campaign]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B26">
<label>[26]</label><nlm-citation citation-type="">
<collab>Misión para la Transformación del Campo</collab>
<source><![CDATA[Diagnóstico económico del campo colombiano]]></source>
<year>2015</year>
<publisher-loc><![CDATA[MTC ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B27">
<label>[27]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Mondragón]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Virviescas]]></surname>
<given-names><![CDATA[N. R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Finagro]]></source>
<year>2017</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B28">
<label>[28]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Morduch]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Roodman]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Impact of Microcredit on the Poor in Bangladesh: Revisting the Evidence]]></article-title>
<source><![CDATA[The Journal of Development Studies]]></source>
<year>2014</year>
<volume>50</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>583-604</page-range></nlm-citation>
</ref>
<ref id="B29">
<label>[29]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Perossa]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Marinaro]]></surname>
<given-names><![CDATA[A. E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Relación entre el auge de los microcréditos financieros y el alivio de la pobreza en el escenario latinoamericano]]></article-title>
<source><![CDATA[Revista Global de Negocios]]></source>
<year>2014</year>
<volume>2</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>15-24</page-range></nlm-citation>
</ref>
<ref id="B30">
<label>[30]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Polanco]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[El motivo de lucro en las microfinanzas: un estudio con instituciones mexicanas]]></article-title>
<source><![CDATA[Revista de Economía]]></source>
<year>2011</year>
<volume>28</volume>
<numero>76</numero>
<issue>76</issue>
<page-range>9-40</page-range></nlm-citation>
</ref>
<ref id="B31">
<label>[31]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Salazar]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Martínez]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Giraldo]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Crecimiento del microcrédito en Colombia en los años 2010-2014]]></source>
<year>2015</year>
<publisher-name><![CDATA[Universidad de Medellín]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B32">
<label>[32]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sawyer]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[What is Financialization]]></article-title>
<source><![CDATA[International Journal of Political Economy]]></source>
<year>2014</year>
<volume>42</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>5-18</page-range></nlm-citation>
</ref>
<ref id="B33">
<label>[33]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Stiglitz]]></surname>
<given-names><![CDATA[J. E.]]></given-names>
</name>
</person-group>
<source><![CDATA[El precio de la desigualdad: el 1% de población tiene lo que el 99% necesita]]></source>
<year>2012</year>
<publisher-name><![CDATA[Taurus]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B34">
<label>[34]</label><nlm-citation citation-type="book">
<collab>Superintendencia Financiera de Colombia -SFC- &amp; Programa Banca de las Oportunidades</collab>
<collab>BdO</collab>
<source><![CDATA[Reporte de Inclusión Financiera 2013]]></source>
<year>2014</year>
<publisher-name><![CDATA[SFC]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B35">
<label>[35]</label><nlm-citation citation-type="book">
<collab>Superintendencia Financiera de Colombia -SFC- &amp; Programa Banca de las Oportunidades -BdO</collab>
<source><![CDATA[Reporte de Inclusión Financiera 2016]]></source>
<year>2017</year>
<publisher-name><![CDATA[SFC]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B36">
<label>[36]</label><nlm-citation citation-type="">
<collab>Superintendencia Financiera de Colombia</collab>
<source><![CDATA[Información consolidada anual SFC-Defensor del Consumidor Financiero-Entidades vigiladas]]></source>
<year>2018</year>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
