State-guaranteed loans will be granted for up to S/90,000 and can be paid within a period of five years.
The Ministry of Economy and Finance (MEF) published yesterday the regulation of Law No. 31658, which creates the Mype Business Impulse Program (Impulso Myperú), which will allow micro and small companies from all productive sectors to access credits from up to S/90,000 with state guarantee.
The regulation indicates that, to be beneficiaries of this program, mypes must have 90% or more of their credit operations in the financial system with a rating of “normal” or “With Potential Problems” (CPP), according to the Risk Center of the SBS, at the time of credit approval by the financial system company (ESF) or savings and credit cooperative (Coopac).
In addition, it is required that Those companies that do not have a classification in the SBS Risk Center are considered normal. This will facilitate access to this program for companies that do not have a credit history, emphasizes Daniel Hermoza, director of Mypes Unidas del Perú.
For its part, the legal device also establishes that the payment term of the eligible credit must be equal to or greater than 12 months and up to a maximum of 60 months, including the grace period, which cannot be less than six months nor more than 12 months. , since only interest will be paid.
operating manual
The regulation indicates that the guarantee will be channeled through the administration trust. To this end, it indicates that the trust contract that entrusts Cofide with the administration of the funds will be approved by ministerial resolution. This entity, in turn, will prepare the operational manual with the applicable Impulso MyPerú conditions for the ESF or Coopac to participate in the program.
After the elaboration of said document, the initiative can only be executed, points out Daniel Hermoza, who estimates that it would be issued “in less than a week.”
It is important to mention that it is expected to benefit about 40,000 mypes from all economic sectors.
good payer bonus
The regulation also establishes a good payer bonus (BBP) for the beneficiaries of Impulso MyPerú. The amount of this incentive is 15% of the credit amount or the amount of the last two installments. The smaller amount is chosen.
The BBP will be delivered to those who have completed the payment of the penultimate installment of their payment schedule. “It is a way to compensate for the high interest that the guaranteed credits that the State is giving are having,” says Hermoza.
Beneficiaries lose the BBP when they pay three installments, eight days after their due date.
Data
Warranty. When the loan is less than S/30,000, the guarantee is 98% of the debtor’s portfolio. While from S/30,001 to S/90,000, coverage is 90%.
Exception. In case Cofide or the Banco de la Nación provides the financing to the ESF or the Coopac, the guarantee can amount to 100%.
Source: Larepublica
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