{"id":306654,"date":"2026-07-01T14:57:00","date_gmt":"2026-07-01T14:57:00","guid":{"rendered":"https:\/\/diariodigitalrd.com\/?p=709549"},"modified":"2026-07-01T14:57:00","modified_gmt":"2026-07-01T14:57:00","slug":"bancos-popular-reservas-y-bhd-concentran-credito-a-mipymes-dominicanas","status":"publish","type":"post","link":"https:\/\/sarmiento24h.com\/?p=306654","title":{"rendered":"Bancos Popular, Reservas y BHD concentran cr\u00e9dito a mipymes dominicanas"},"content":{"rendered":"<div><img decoding=\"async\" src=\"https:\/\/diariodigitalrd.b-cdn.net\/2022\/07\/mipymes-2.jpg\" class=\"ff-og-image-inserted\"><\/div>\n<p class=\"wp-block-paragraph\"><strong>Acumulan RD 405,085 millones, lo que equivale al 70.2% de todo el pastel crediticio orientado a este rengl\u00f3n productivo.<\/strong><\/p>\n<p class=\"has-drop-cap has-medium-font-size wp-block-paragraph\">El financiamiento destinado a las micro, peque\u00f1as y medianas empresas en la Rep\u00fablica Dominicana registr\u00f3 un din\u00e1mico crecimiento interanual del 9.1%, consolidando una cartera hist\u00f3rica de RD 576,837 millones hasta abril de 2026. As\u00ed lo indican los datos oficiales del informe <strong>Financiamiento a las micro, peque\u00f1as y medianas empresas<\/strong>, publicado por la <strong>Superintendencia de Bancos (SB)<\/strong>.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">El reporte confirma que dicho sector estrat\u00e9gico ya concentra el 23.7% del saldo adeudado total del sistema financiero nacional, inyectando liquidez directa a renglones clave como el comercio, la construcci\u00f3n, el turismo y la manufactura, impactando de forma directa en la estabilidad econ\u00f3mica de miles de familias dominicanas.<\/p>\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Los tres gigantes bancarios que sostienen el sector<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">El peso de estas unidades de negocio es todav\u00eda m\u00e1s determinante dentro de la cartera comercial privada del pa\u00eds, un segmento donde representan el 44.2% del saldo total y concentran el 77% de los cr\u00e9ditos comerciales destinados de forma exclusiva al sector privado.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">El reporte de la <strong>SB<\/strong> revela que la confianza financiera en el sector descansa principalmente en tres entidades bancarias l\u00edderes: el <strong>Banco Popular<\/strong>, el <strong>Banco de Reservas<\/strong> y el <strong>Banco BHD<\/strong>.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">Juntas, estas tres instituciones financieras acumulan un saldo conjunto de RD 405,085 millones, lo que equivale al 70.2% de todo el pastel crediticio orientado a este rengl\u00f3n productivo.<\/p>\n<h3 class=\"wp-block-heading has-medium-font-size\"><strong>Cr\u00e9ditos en d\u00f3lares y el peso real en el PIB<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">Respecto a la composici\u00f3n por monedas, los cr\u00e9ditos otorgados en moneda extranjera representan el 27.1% del total de la cartera dirigida a las mipymes, acumulando un balance de USD 2,641 millones. Esta cifra refleja una leve reducci\u00f3n interanual del 0.4%, comportamiento que se alinea de forma estricta con las disposiciones de pol\u00edtica financiera dictadas por la <strong>Junta Monetaria<\/strong>.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">Los recursos en d\u00f3lares fluyen principalmente hacia actividades comerciales que generan divisas o requieren alta inversi\u00f3n de capital, tales como el suministro de electricidad, el transporte, el almacenamiento y el sector tur\u00edstico.<\/p>\n<p class=\"wp-block-paragraph\">La relevancia de este monitoreo anual radica en el enorme impacto social del sector, el cual aporta un contundente valor agregado del 32% al <strong>Producto Interno Bruto (PIB)<\/strong> dominicano.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">En t\u00e9rminos de inclusi\u00f3n social y sustento familiar, las mipymes se confirman como el principal soporte laboral de la naci\u00f3n, siendo responsables de la creaci\u00f3n de 3.05 millones de puestos de trabajo entre 2022 y 2023, una cifra que representa el 61.6% del empleo total en la Rep\u00fablica Dominicana.&nbsp;<\/p>\n<p class=\"wp-block-paragraph\">El fortalecimiento de estos canales de financiamiento asegura la continuidad de los planes de expansi\u00f3n laboral y comercial a mediano plazo en toda la geograf\u00eda nacional.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acumulan RD 405,085 millones, lo que equivale&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":306655,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[59,60],"tags":[],"class_list":["post-306654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad","category-economicas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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