{"id":5396,"date":"2024-09-27T16:10:47","date_gmt":"2024-09-27T20:10:47","guid":{"rendered":"https:\/\/www.vouga.com.py\/?p=5396"},"modified":"2024-10-01T14:48:22","modified_gmt":"2024-10-01T18:48:22","slug":"nuevo-reglamento-para-la-cuenta-basica-mipymes","status":"publish","type":"post","link":"https:\/\/www.vouga.com.py\/en\/nuevo-reglamento-para-la-cuenta-basica-mipymes\/","title":{"rendered":"New Regulation for MSMEs Basic Account"},"content":{"rendered":"<p>Through Resolution No. 3, Act No. 44 dated September 16, 2024 (the \u201cResolution\u201d), the Central Bank of Paraguay (\u201cBCP\u201c) has approved the \"MIPYMES Basic Account Regulation,\" with the aim of promoting financial inclusion for micro, small, and medium-sized enterprises (MIPYMES).<\/p>\n\n\n\n<p><strong>Purpose<\/strong>: To facilitate MIPYMES' access to certain finance services.<\/p>\n\n\n\n<p><strong>Key Aspects<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>MSMEs\u2019 Basic Account (the \u201c<u>Basic Account<\/u>\u201d)<\/strong>: This is a savings account in local currency that does not require a minimum opening amount or a minimum average maintenance balance.<\/li>\n\n\n\n<li><strong>Requirements for opening the Basic Account<\/strong>: (i) Holding a valid MSME Identification Card; and (ii) not having other deposit accounts (savings or checking), except for basic personal savings accounts.<\/li>\n\n\n\n<li><strong>Permitted Transactions<\/strong>: Includes deposits, debit card purchases, and service payments with no additional costs. Customers can make unlimited transactions through SIPAP, subject to applicable legal limits.<\/li>\n\n\n\n<li><strong>Limits<\/strong>: Monthly credits are capped at a maximum of 20 minimum wages, and the account has a validity of up to one year. Withdrawals are limited to six per month at no charge.<\/li>\n\n\n\n<li><strong>Deposit Protection<\/strong>: Funds in these accounts will be guaranteed by the Deposit Guarantee Fund.<\/li>\n\n\n\n<li><strong>Security and Transparency<\/strong>: Financial institutions must apply anti-money laundering\/combating the financing of terrorism (AML\/CFT) protocols, ensuring compliance with SEPRELAD regulations.<\/li>\n<\/ul>\n\n\n\n<p>The regulation will come into effect after its publication, and financial institutions must ensure its proper implementation and dissemination.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-92fc3979 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 botonblog is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-vivid-red-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.vouga.com.py\/wp-content\/uploads\/2024\/10\/VOUGA_-Novedades-en-BF_BCP-res3_ING.pdf\" style=\"border-radius:0px\" target=\"_blank\" rel=\"noreferrer noopener\">Download<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Mediante la Resoluci\u00f3n N\u00b03, Acta N\u00b044 de fecha 16 de septiembre de 2024 (la \u201cResoluci\u00f3n\u201d), el Banco Central del Paraguay (\u201cBCP\u201c) ha aprobado el \u201cReglamento de la Cuenta B\u00e1sica MIPYMES\u201c, cuyo objetivo es promover la inclusi\u00f3n financiera de las micro, peque\u00f1as y medianas empresas (MIPYMES). Objetivo: Facilitar el acceso de las MIPYMES a ciertos servicios [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5428,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"iawp_total_views":3,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nuevo Reglamento para la Cuenta B\u00e1sica MIPYMES - Vouga Abogados<\/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.vouga.com.py\/en\/nuevo-reglamento-para-la-cuenta-basica-mipymes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nuevo Reglamento para la Cuenta B\u00e1sica MIPYMES - Vouga Abogados\" \/>\n<meta property=\"og:description\" content=\"Mediante la Resoluci\u00f3n N\u00b03, Acta N\u00b044 de fecha 16 de septiembre de 2024 (la \u201cResoluci\u00f3n\u201d), el Banco Central del Paraguay (\u201cBCP\u201c) ha aprobado el \u201cReglamento de la Cuenta B\u00e1sica MIPYMES\u201c, cuyo objetivo es promover la inclusi\u00f3n financiera de las micro, peque\u00f1as y medianas empresas (MIPYMES). 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