{"id":3303,"date":"2022-07-22T15:51:44","date_gmt":"2022-07-22T15:51:44","guid":{"rendered":"https:\/\/demo2.loces.dev\/?page_id=3303"},"modified":"2026-03-16T21:53:16","modified_gmt":"2026-03-16T21:53:16","slug":"usuario-financiero","status":"publish","type":"page","link":"https:\/\/crediq.com\/hn\/usuario-financiero\/","title":{"rendered":"Usuario Financiero"},"content":{"rendered":"\n\n  <div class=\"banner has-hover\" id=\"banner-1079939551\">\n          <div class=\"banner-inner fill\">\n        <div class=\"banner-bg fill\" >\n            <img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"378\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/fondo-banner-usuario-financiero-1024x379.jpeg\" class=\"bg attachment-large size-large\" alt=\"\" \/>                                    \n                    <\/div>\n\t\t\n        <div class=\"banner-layers container\">\n            <div class=\"fill banner-link\"><\/div>            \n\n   <div id=\"text-box-489592236\" class=\"text-box banner-layer x50 md-x50 lg-x50 y50 md-y50 lg-y50 res-text\">\n                                <div class=\"text-box-content text dark\">\n              \n              <div class=\"text-inner text-center\">\n                  \n\n\t<div id=\"text-1547456541\" class=\"text\">\n\t\t\n\n<h3><strong>Usuario Financiero<\/strong><\/h3>\n<p>Informaci\u00f3n regulatoria.<\/p>\n\t\t\n<style>\n#text-1547456541 {\n  font-size: 1.05rem;\n}\n<\/style>\n\t<\/div>\n\t\n\n              <\/div>\n           <\/div>\n                            \n<style>\n#text-box-489592236 {\n  width: 42%;\n}\n#text-box-489592236 .text-box-content {\n  font-size: 100%;\n}\n<\/style>\n    <\/div>\n \n\n        <\/div>\n      <\/div>\n\n            \n<style>\n#banner-1079939551 {\n  padding-top: 300px;\n  background-color: rgb(255,255,255);\n}\n<\/style>\n  <\/div>\n\n\n<div class=\"row\"  id=\"row-1460416813\">\n\n\n\t<div id=\"col-1858292977\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<div class=\"accordion\">\n\n\t<div id=\"accordion-2009610866\" class=\"accordion-item col\">\n\t\t<a id=\"accordion-2009610866-label\" class=\"accordion-title plain\" href=\"#accordion-item-proceso-de-reclamo\" aria-expanded=\"false\" aria-controls=\"accordion-2009610866-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Proceso de Reclamo<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-2009610866-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2009610866-label\">\n\t\t\t\n\n<h3><span data-text-color=\"primary\">Sistema de Protecci\u00f3n al Usuario Financiero<\/span><\/h3>\n<p class=\"texto-gris text-justify\"><strong>\u00bfQu\u00e9 es el Sistema de Atenci\u00f3n a reclamos del Usuario Financiero?<\/strong><br \/>Es el servicio de atenci\u00f3n a reclamos de los clientes de Financiera CrediQ en consonancia con las normas para el fortalecimiento de la transparencia, la cultura financiera y atenci\u00f3n al usuario financiero en las instituciones supervisadas.<\/p>\n<p class=\"texto-gris text-justify\"><strong>\u00bfQu\u00e9 pasos debo seguir para presentar un reclamo financiero?<\/strong><\/p>\n\t<div id=\"gap-580256481\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-580256481 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_179286919\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1188\" height=\"420\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/proceso-reclamo-2.jpeg\" class=\"attachment-original size-original\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/proceso-reclamo-2.jpeg 1188w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/proceso-reclamo-2-300x106.jpeg 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/proceso-reclamo-2-1024x362.jpeg 1024w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/proceso-reclamo-2-768x272.jpeg 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/proceso-reclamo-2-600x212.jpeg 600w\" sizes=\"auto, (max-width: 1188px) 100vw, 1188px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_179286919 {\n  width: 75%;\n}\n<\/style>\n\t<\/div>\n\t\n\n<p class=\"texto-gris text-justify\"><strong>\u00bfQu\u00e9 es la Hoja de Reclamaci\u00f3n?<\/strong><\/p>\n<p class=\"texto-gris text-justify\">Es el formulario donde el usuario financiero describe y presenta su reclamo ante la instituci\u00f3n supervisada. Con la hoja de reclamaci\u00f3n usted puede:<\/p>\n<ul>\n<li>Expresar su disconformidad acerca de un producto o servicio proporcionado por Financiera CrediQ<\/li>\n<li>Denunciar irregularidades en los productos o servicios que usted haya adquirido en Financiera CrediQ<\/li>\n<li>Solicitar la restauraci\u00f3n de las condiciones pactadas originalmente en el servicio o producto adquirido.<\/li>\n<\/ul>\n<p class=\"texto-gris text-justify\"><strong>Las hojas de reclamaci\u00f3n est\u00e1n disponibles en todas las agencias de Financiera CrediQ a nivel nacional<\/strong><\/p>\n<p class=\"texto-gris text-justify\"><strong>\u00bfEn cu\u00e1nto tiempo recibir\u00e9 la respuesta al reclamo?\u00a0<\/strong><\/p>\n<p class=\"texto-gris text-justify\">1. Dentro de un plazo m\u00e1ximo de diez (10) d\u00edas h\u00e1biles contados a partir del siguiente d\u00eda h\u00e1bil de fecha de la recepci\u00f3n del reclamo.<br \/>2. Este plazo podr\u00e1 ser ampliado hasta diez (10) d\u00edas h\u00e1biles, inform\u00e1ndole por escrito las razones de la extensi\u00f3n del plazo (presencial o v\u00eda correo electr\u00f3nico indicado en la hoja de reclamaci\u00f3n).<br \/>3. En caso de aquellos reclamos relacionados con productos ofrecidos de acuerdo de licencias internacionales o cuando se trata de reclamos cuya soluci\u00f3n o an\u00e1lisis dependan de instituciones del extranjero, el plazo m\u00e1ximo para resolverlo ser\u00e1 de treinta (30) d\u00edas h\u00e1biles.<\/p>\n<p class=\"texto-gris text-justify\"><strong>\u00bfEn caso de que la respuesta no sea satisfactoria a que instancia puedo acudir?<\/strong><\/p>\n<p class=\"texto-gris text-justify\">Usted puede acudir a la Comisi\u00f3n Nacional de Bancos y Seguros para interponer su reclamo ante este \u00f3rgano supervisor, sin perjuicio de otras acciones a que usted tiene derecho.<\/p>\n<p class=\"texto-gris text-justify\"><strong>\u00bfCu\u00e1l es el proceso para presentarse a la CNBS?<\/strong><\/p>\n<p class=\"texto-gris text-justify\">En caso que usted no est\u00e9 de acuerdo con la resoluci\u00f3n establecida por Financiera CrediQ podr\u00e1 interponer su reclamo ante la CNBS, debiendo presentar las dos copias de la hoja de reclamaci\u00f3n ingresada, junto con la resoluci\u00f3n por escrito correspondiente y de cualquier otra documentaci\u00f3n que sustente o evidencie su reclamo.<\/p>\n<p class=\"texto-gris text-justify\">Para m\u00e1s informaci\u00f3n de la normativa que regula la hoja de reclamaci\u00f3n de las instituciones supervisadas y el proceso de investigaci\u00f3n de un reclamo visita\u00a0<a href=\"http:\/\/www.cnbs.gob.hn\/\" target=\"_blank\" rel=\"noopener\">http:\/\/www.cnbs.gob.hn\/<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-2928796167\" class=\"accordion-item col\">\n\t\t<a id=\"accordion-2928796167-label\" class=\"accordion-title plain\" href=\"#accordion-item-estad\u00edstico-reclamos-usuario-financiero\" aria-expanded=\"false\" aria-controls=\"accordion-2928796167-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Estad\u00edstico Reclamos Usuario Financiero<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-2928796167-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2928796167-label\">\n\t\t\t\n\n<table style=\"height: 113px\" width=\"622\">\n<tbody>\n<tr>\n<td colspan=\"2\" width=\"622\"><span style=\"color: #0000ff\"><strong>Reclamos ingresados en Financiera CrediQ a trav\u00e9s de hoja de reclamaci\u00f3n (Febrero 2026)<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>Reclamos totales recibidos en el mes<\/td>\n<td><span style=\"color: #000000\"><strong>2<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>Porcentaje de reclamos resueltos a favor del cliente<\/td>\n<td><span style=\"color: #000000\"><strong>0%\u00a0<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>Porcentaje de reclamos resueltos a favor de Financiera CrediQ<\/td>\n<td><span style=\"color: #000000\"><strong>100%\u00a0<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\n<\/div>\n<div class=\"row\"  id=\"row-1194365197\">\n\n\n\t<div id=\"col-773433514\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Reglamento-Promociones.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Reglamento-Promociones.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Reglamento-Promociones-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Reglamento-Promociones-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Reglamento-Promociones-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Reglamento-Promociones-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Reglamento-Promociones-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<a class=\"button primary is-outline lowercase\" style=\"border-radius:99px;\">\n\t\t<span>Reglamento Promociones<\/span>\n\t<\/a>\n\n\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1221364189\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Contratos.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Contratos.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Contratos-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Contratos-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Contratos-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Contratos-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Contratos-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<div class=\"accordion\">\n\n\t<div id=\"accordion-1852656396\" class=\"accordion-item\">\n\t\t<a id=\"accordion-1852656396-label\" class=\"accordion-title plain\" href=\"#accordion-item-contratos-de-productos-y-servicios\" aria-expanded=\"false\" aria-controls=\"accordion-1852656396-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Contratos de Productos y Servicios<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-1852656396-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-1852656396-label\">\n\t\t\t\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2025\/01\/CONTRATO-DE-APERTURA-DE-CREDITO-VEHICULOS.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Contrato Prendario Veh\u00edculos<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2025\/01\/CONTRATO-DE-APERTURA-DE-CREDITO-PRENDARIO-MOTOS.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Contrato Prendario Motos<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2025\/01\/CONTRATO-DE-APERTURA-DE-CREDITO-MOTOS-FIDUCIARIO.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Contrato de Credito Fiduciaria  Moto<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/10\/CONTRATO-DEPOSITO-A-PLAZO-FIJO-Y-CUENTA-DE-AHORRO-FORMATO-Persona-Juridica-9junio2023-FINAL-persona-juridica.docx\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Contrato Pasivo Persona Juridica<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/10\/PORTADA-DE-CD-NUEVA-23-06-2023.doc\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Portada Certificado de Deposito<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2025\/01\/CONTRATO-DE-ARRENDAMIENTO-FINANCIERO-LEASING.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Contrato de Arrendamiento Financiero Leasing<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/PROSPECTO-BONOS-CORPORATIVOS-CREDIQ-2022.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Prospecto Bonos Corporativos 2022<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/Prospecto-CrediQ-2020.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Prospecto Bonos Corporativos 2020<\/span>\n\t<\/a>\n\n\n\n\t\t<\/div>\n\t<\/div>\n\t\n\n<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-554567201\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Tarifario.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Tarifario.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Tarifario-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Tarifario-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Tarifario-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Tarifario-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Tarifario-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<div class=\"accordion\">\n\n\t<div id=\"accordion-3016386827\" class=\"accordion-item\">\n\t\t<a id=\"accordion-3016386827-label\" class=\"accordion-title plain\" href=\"#accordion-item-tarifario-de-productos-y-servicios\" aria-expanded=\"false\" aria-controls=\"accordion-3016386827-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Tarifario de Productos y Servicios<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-3016386827-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-3016386827-label\">\n\t\t\t\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2026\/02\/Tarifario-vigente-febrero-2026.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Tarifario<\/span>\n\t<\/a>\n\n\n\n\t\t<\/div>\n\t<\/div>\n\t\n\n<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1337181469\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Estados-Financieros.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Estados-Financieros.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Estados-Financieros-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Estados-Financieros-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Estados-Financieros-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Estados-Financieros-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Estados-Financieros-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<div class=\"accordion\">\n\n\t<div id=\"accordion-2220365011\" class=\"accordion-item\">\n\t\t<a id=\"accordion-2220365011-label\" class=\"accordion-title plain\" href=\"#accordion-item-estados-financieros\" aria-expanded=\"false\" aria-controls=\"accordion-2220365011-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Estados Financieros<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-2220365011-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2220365011-label\">\n\t\t\t\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/estados-financieros-2017-2018.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Estados Financieros 31 De Diciembre De 2018 Y 2017<\/span>\n\t<\/a>\n\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/estados-financieros-31-diciembre-2020-2019-comprimido.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Estados Financieros Al 31 De Diciembre 2020 Y 2019<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/06\/Estados-Financieros-Diciembre-2022-y-2021.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Estados Financieros Al 31 De Diciembre 2022 y 2021<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2024\/11\/EEFF-Anuales-2022-2023.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Estados Financieros Al 31 De Diciembre 2022 y 2023<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2025\/09\/EEFFCrediQ-2023-2024.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Estados Financieros Al 31 De Diciembre 2023 y 2024<\/span>\n\t<\/a>\n\n\n\n\t\t<\/div>\n\t<\/div>\n\t\n\n<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n<\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n<\/div>\n<div class=\"row\"  id=\"row-1737680792\">\n\n\n\t<div id=\"col-1240219495\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<div class=\"row\"  id=\"row-646473951\">\n\n\n\t<div id=\"col-1993321263\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informe-de-gestio\u0301n-de-riesgo.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informe-de-gestio\u0301n-de-riesgo.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informe-de-gestio\u0301n-de-riesgo-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informe-de-gestio\u0301n-de-riesgo-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informe-de-gestio\u0301n-de-riesgo-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informe-de-gestio\u0301n-de-riesgo-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informe-de-gestio\u0301n-de-riesgo-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<div class=\"accordion\">\n\n\t<div id=\"accordion-3607970125\" class=\"accordion-item\">\n\t\t<a id=\"accordion-3607970125-label\" class=\"accordion-title plain\" href=\"#accordion-item-informe-de-gesti\u00f3n-de-riesgos\" aria-expanded=\"false\" aria-controls=\"accordion-3607970125-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Informe de Gesti\u00f3n de Riesgos<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-3607970125-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-3607970125-label\">\n\t\t\t\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2026\/01\/Informe_de_Transparencia_2025.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2025<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2025\/05\/Informe_de_Transparencia_2024-1.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2024<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2024\/01\/Informe_de_Transparencia_2023.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2023<\/span>\n\t<\/a>\n\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/01\/Informe_de_Transparencia_2022.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2022<\/span>\n\t<\/a>\n\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/Informe_de_Transparencia_2021.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2021<\/span>\n\t<\/a>\n\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/informe_de_transparencia_2020.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2020<\/span>\n\t<\/a>\n\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/informe_de_transparencia_2019.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2019<\/span>\n\t<\/a>\n\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/Informe_de_Transparencia_2018.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2018<\/span>\n\t<\/a>\n\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/informe-gestion-riesgos.pdf\" class=\"button primary is-underline lowercase\" >\n\t\t<span>Informe de Transparencia - Gesti\u00f3n Integral de Riesgos 2017<\/span>\n\t<\/a>\n\n\n\n\t\t<\/div>\n\t<\/div>\n\t\n\n<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1750550279\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informacio\u0301n-Facta.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informacio\u0301n-Facta.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informacio\u0301n-Facta-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informacio\u0301n-Facta-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informacio\u0301n-Facta-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informacio\u0301n-Facta-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Informacio\u0301n-Facta-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<a href=\"\/hn\/wp-content\/uploads\/sites\/4\/2022\/09\/ley-fatca.pdf\" class=\"button primary is-outline lowercase\" style=\"border-radius:99px;\">\n\t\t<span>Informaci\u00f3n FATCA<\/span>\n\t<i class=\"icon-angle-right\" aria-hidden=\"true\"><\/i><\/a>\n\n\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-868428895\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Portal-CNBS.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Portal-CNBS.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Portal-CNBS-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Portal-CNBS-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Portal-CNBS-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Portal-CNBS-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/10\/Portal-CNBS-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<a href=\"https:\/\/www.cnbs.gob.hn\/\" class=\"button primary is-outline lowercase\" style=\"border-radius:99px;\">\n\t\t<span>Portal CNBS<\/span>\n\t<i class=\"icon-angle-right\" aria-hidden=\"true\"><\/i><\/a>\n\n\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1149411589\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2026\/01\/ENERO-2.pdf\" >\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/07\/998.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/07\/998.png 512w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/07\/998-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/07\/998-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2022\/07\/998-100x100.png 100w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/a>\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2026\/01\/ENERO-2.pdf\" class=\"button primary is-outline lowercase\" style=\"border-radius:99px;\">\n\t\t<span>Activos Eventuales<\/span>\n\t<i class=\"icon-angle-right\" aria-hidden=\"true\"><\/i><\/a>\n\n\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-330571081\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/7uv.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/7uv.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/7uv-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/7uv-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/7uv-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/7uv-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/7uv-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/06\/ARTICULO-8.-DERECHOS-DE-LOS-USUARIOS-FINANCIEROS.pdf\" class=\"button primary is-outline lowercase\" style=\"border-radius:99px;\">\n\t\t<span>Derechos Usuarios Financieros<\/span>\n\t<\/a>\n\n\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1062660875\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/4de.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/4de.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/4de-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/4de-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/4de-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/4de-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/4de-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/06\/OBLIGACIONES-DE-LOS-USUARIOS-FINANCIEROS.pdf\" class=\"button primary is-outline lowercase\" style=\"border-radius:99px;\">\n\t\t<span>Obligaciones Usuarios Financiero<\/span>\n\t<\/a>\n\n\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-16598511\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" style=\"width:60%;\">\n\t\t\t<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/06\/TERMINOLOGIA-FINANCIERA.pdf\" >\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/8uh.png\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/8uh.png 1000w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/8uh-300x300.png 300w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/8uh-150x150.png 150w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/8uh-768x768.png 768w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/8uh-600x600.png 600w, https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/8uh-100x100.png 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/a>\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n\n<a href=\"https:\/\/crediq.com\/hn\/wp-content\/uploads\/sites\/4\/2023\/05\/Terminologia-Financiera.pdf\" class=\"button primary is-outline lowercase\" style=\"border-radius:99px;\">\n\t\t<span>Terminologi\u0301a Financiera<\/span>\n\t<i class=\"icon-angle-right\" aria-hidden=\"true\"><\/i><\/a>\n\n\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-2107752516\" class=\"col medium-3 small-6 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t<div 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