{"id":3361,"date":"2023-12-11T22:44:00","date_gmt":"2023-12-12T06:44:00","guid":{"rendered":"https:\/\/www.tucoemas.org\/?p=3361"},"modified":"2025-10-29T09:27:25","modified_gmt":"2025-10-29T16:27:25","slug":"credit-unions-commitment-to-financial-inclusion-and-positive-change","status":"publish","type":"post","link":"https:\/\/www.tucoemas.org\/es\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/","title":{"rendered":"El compromiso de las cooperativas de cr\u00e9dito con la inclusi\u00f3n financiera y el cambio positivo"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form with-no-media\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start  flex-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:12\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-3362 aligncenter\" src=\"https:\/\/www.tucoemas.org\/files\/Banking-for-Local-Locals-2-540x363.jpg\" alt=\"Banking for Local Locals\" width=\"540\" height=\"363\" \/><\/p>\n<p>En respuesta al reciente art\u00edculo de opini\u00f3n escrito por el director ejecutivo de Rise Economy y publicado en CU Times, \u201c<a href=\"https:\/\/www.cutimes.com\/2023\/11\/17\/community-focused-credit-unions-should-have-dumped-junk-fees-long-ago\/?slreturn=20231111173132\" target=\"_blank\" rel=\"noopener\" data-sf-ec-immutable=\"\">Las cooperativas de cr\u00e9dito centradas en la comunidad deber\u00edan haber eliminado las comisiones basura hace mucho tiempo<\/a>,\u201d, es fundamental brindar una perspectiva contextual sobre las valiosas contribuciones de las cooperativas de cr\u00e9dito para fomentar la inclusi\u00f3n financiera en nuestras comunidades.<\/p>\n<p>Si bien el art\u00edculo se\u00f1ala inquietudes sobre las tarifas al consumidor dentro del \u00e1mbito de las cooperativas de cr\u00e9dito, no reconoce que las cooperativas de cr\u00e9dito, en particular las Instituciones Financieras de Desarrollo Comunitario (CDFI), han sido durante mucho tiempo defensoras de pr\u00e1cticas favorables al consumidor e iniciativas centradas en la comunidad.<\/p>\n<p>Como CDFI, Tucoemas demuestra el compromiso de la industria con la atenci\u00f3n responsable de las necesidades financieras de sus socios. En los \u00faltimos cinco a\u00f1os, Tucoemas ha desembolsado m\u00e1s de 1.400.000 TP en incentivos de educaci\u00f3n financiera, reembolsado 1.500.000 TP en comisiones de cajeros autom\u00e1ticos en el extranjero, ayudado a sus socios a reducir su deuda en m\u00e1s de 300.000 TP, eliminado las comisiones por sobregiro y proporcionado m\u00e1s de 60.000 TP en capital disponible mediante subvenciones. Estas iniciativas se suman a los servicios \u00fanicos centrados en los socios que ofrecen las cooperativas de cr\u00e9dito en todo el pa\u00eds y son comunes entre las CDFI del sector.<\/p>\n<p>Adem\u00e1s, Tucoemas ofrece la cuenta corriente Rise, lo que demuestra la dedicaci\u00f3n de las cooperativas de cr\u00e9dito a ofrecer productos financieros transparentes y accesibles. Esta cuenta no cobra comisiones por sobregiro ni por fondos insuficientes, y enfatiza el compromiso de las cooperativas de cr\u00e9dito con la creaci\u00f3n de productos financieros diversos e inclusivos.<\/p>\n<p>El art\u00edculo se centra en datos que pueden eclipsar los notables esfuerzos de las cooperativas de cr\u00e9dito a nivel nacional. Estas cooperativas se han comprometido constantemente con una banca centrada en las personas, diferenci\u00e1ndose de los bancos tradicionales al priorizar la participaci\u00f3n comunitaria y las pr\u00e1cticas financieras equitativas.<\/p>\n<p>Tucoemas y las cooperativas de cr\u00e9dito de todo el pa\u00eds siguen comprometidas con promover el bienestar financiero, ofrecer productos transparentes y contribuir activamente a la prosperidad de la comunidad. Fomentamos un di\u00e1logo inclusivo que reconozca el esfuerzo colectivo de las cooperativas de cr\u00e9dito y fortalezca su papel como agentes influyentes de cambio positivo en el panorama financiero. Juntos, podemos seguir empoderando a las comunidades y fomentar un futuro financiero m\u00e1s equitativo y accesible para todos.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[20],"class_list":["post-3361","post","type-post","status-publish","format-standard","hentry","category-press-releases"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Unions&#039; Commitment to Financial Inclusion and Positive Change - Tucoemas FCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tucoemas.org\/es\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Unions&#039; Commitment to Financial Inclusion and Positive Change - Tucoemas FCU\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tucoemas.org\/es\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/\" \/>\n<meta property=\"og:site_name\" content=\"Tucoemas FCU\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-12T06:44:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T16:27:25+00:00\" \/>\n<meta name=\"author\" content=\"Rylee Y\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rylee Y\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/\"},\"author\":{\"name\":\"Rylee Y\",\"@id\":\"https:\/\/www.tucoemas.org\/#\/schema\/person\/9b81d028bafdbee30d331d5c36537c5c\"},\"headline\":\"Credit Unions&#8217; Commitment to Financial Inclusion and Positive Change\",\"datePublished\":\"2023-12-12T06:44:00+00:00\",\"dateModified\":\"2025-10-29T16:27:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/\"},\"wordCount\":9,\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-ES\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/\",\"url\":\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/\",\"name\":\"Credit Unions' Commitment to Financial Inclusion and Positive Change - Tucoemas FCU\",\"isPartOf\":{\"@id\":\"https:\/\/www.tucoemas.org\/#website\"},\"datePublished\":\"2023-12-12T06:44:00+00:00\",\"dateModified\":\"2025-10-29T16:27:25+00:00\",\"author\":{\"@id\":\"https:\/\/www.tucoemas.org\/#\/schema\/person\/9b81d028bafdbee30d331d5c36537c5c\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/#breadcrumb\"},\"inLanguage\":\"es-ES\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tucoemas.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Unions&#8217; Commitment to Financial Inclusion and Positive Change\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tucoemas.org\/#website\",\"url\":\"https:\/\/www.tucoemas.org\/\",\"name\":\"Tucoemas FCU\",\"description\":\"A community on the rise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tucoemas.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-ES\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tucoemas.org\/#\/schema\/person\/9b81d028bafdbee30d331d5c36537c5c\",\"name\":\"Rylee Y\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es-ES\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/390d81dbb0dad33ea2dec200dfccfced4109a105d32baae3477b6ceb56ec9534?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/390d81dbb0dad33ea2dec200dfccfced4109a105d32baae3477b6ceb56ec9534?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/390d81dbb0dad33ea2dec200dfccfced4109a105d32baae3477b6ceb56ec9534?s=96&d=mm&r=g\",\"caption\":\"Rylee Y\"},\"url\":\"https:\/\/www.tucoemas.org\/es\/author\/ryleey\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Credit Unions' Commitment to Financial Inclusion and Positive Change - Tucoemas FCU","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.tucoemas.org\/es\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/","og_locale":"es_ES","og_type":"article","og_title":"Credit Unions' Commitment to Financial Inclusion and Positive Change - Tucoemas FCU","og_url":"https:\/\/www.tucoemas.org\/es\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/","og_site_name":"Tucoemas FCU","article_published_time":"2023-12-12T06:44:00+00:00","article_modified_time":"2025-10-29T16:27:25+00:00","author":"Rylee Y","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Rylee Y"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/#article","isPartOf":{"@id":"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/"},"author":{"name":"Rylee Y","@id":"https:\/\/www.tucoemas.org\/#\/schema\/person\/9b81d028bafdbee30d331d5c36537c5c"},"headline":"Credit Unions&#8217; Commitment to Financial Inclusion and Positive Change","datePublished":"2023-12-12T06:44:00+00:00","dateModified":"2025-10-29T16:27:25+00:00","mainEntityOfPage":{"@id":"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/"},"wordCount":9,"articleSection":["Press Releases"],"inLanguage":"es-ES"},{"@type":"WebPage","@id":"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/","url":"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/","name":"Credit Unions' Commitment to Financial Inclusion and Positive Change - Tucoemas FCU","isPartOf":{"@id":"https:\/\/www.tucoemas.org\/#website"},"datePublished":"2023-12-12T06:44:00+00:00","dateModified":"2025-10-29T16:27:25+00:00","author":{"@id":"https:\/\/www.tucoemas.org\/#\/schema\/person\/9b81d028bafdbee30d331d5c36537c5c"},"breadcrumb":{"@id":"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/#breadcrumb"},"inLanguage":"es-ES","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tucoemas.org\/credit-unions-commitment-to-financial-inclusion-and-positive-change\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tucoemas.org\/"},{"@type":"ListItem","position":2,"name":"Credit Unions&#8217; Commitment to Financial Inclusion and Positive Change"}]},{"@type":"WebSite","@id":"https:\/\/www.tucoemas.org\/#website","url":"https:\/\/www.tucoemas.org\/","name":"Uni\u00f3n Cooperativa de Cr\u00e9dito Tucoemas","description":"Una comunidad en ascenso.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tucoemas.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es-ES"},{"@type":"Person","@id":"https:\/\/www.tucoemas.org\/#\/schema\/person\/9b81d028bafdbee30d331d5c36537c5c","name":"Rylee Y","image":{"@type":"ImageObject","inLanguage":"es-ES","@id":"https:\/\/secure.gravatar.com\/avatar\/390d81dbb0dad33ea2dec200dfccfced4109a105d32baae3477b6ceb56ec9534?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/390d81dbb0dad33ea2dec200dfccfced4109a105d32baae3477b6ceb56ec9534?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/390d81dbb0dad33ea2dec200dfccfced4109a105d32baae3477b6ceb56ec9534?s=96&d=mm&r=g","caption":"Rylee Y"},"url":"https:\/\/www.tucoemas.org\/es\/author\/ryleey\/"}]}},"_links":{"self":[{"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/posts\/3361","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/comments?post=3361"}],"version-history":[{"count":1,"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/posts\/3361\/revisions"}],"predecessor-version":[{"id":3363,"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/posts\/3361\/revisions\/3363"}],"wp:attachment":[{"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/media?parent=3361"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tucoemas.org\/es\/wp-json\/wp\/v2\/categories?post=3361"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}