{"id":9364,"date":"2025-01-23T22:28:36","date_gmt":"2025-01-23T22:28:36","guid":{"rendered":"https:\/\/uniotavalo.fin.ec\/home\/?page_id=9364"},"modified":"2026-09-28T00:50:51","modified_gmt":"2026-09-28T00:50:51","slug":"politicas-saras","status":"publish","type":"page","link":"https:\/\/uniotavalo.fin.ec\/home\/politicas-saras\/","title":{"rendered":"Pol\u00edticas SARAS"},"content":{"rendered":"<p><!-- PORTADA --><\/p>\n<div class=\"uniotavalo-portada-mv\" style=\"\n    position:relative;\n    top:-8px;\n    width:100vw !important;\n    max-width:none !important;\n    height:280px;\n    margin-top:0 !important;\n    margin-left:calc(50% - 50vw) !important;\n    margin-right:0 !important;\n    margin-bottom:0 !important;\n    padding:0 !important;\n    overflow:hidden;\n    display:flex;\n    align-items:center;\n    justify-content:center;\n\"><br \/>\n    <!-- IMAGEN ANIMADA --><\/p>\n<div class=\"fondo-portada2\"><\/div>\n<p>    <!-- OSCURECIMIENTO --><\/p>\n<div class=\"overlay-portada\"><\/div>\n<p>    <!-- CONTENIDO --><\/p>\n<div class=\"contenido-portada\">\n<div class=\"etiqueta-portada\">\n            INFORMACI\u00d3N\n        <\/div>\n<div class=\"titulo-portada\">\n            Pol\u00edticas SARAS\n        <\/div>\n<div class=\"linea-portada\"><\/div>\n<div class=\"subtitulo-portada\">\n           Comprometidos con el financiamiento responsable y sostenible\n        <\/div>\n<\/p><\/div>\n<\/div>\n<div style=\"width:100%; max-width:1900px; margin:0 auto; font-family:Arial,Helvetica,sans-serif; color:#28313f; line-height:1.65;\">\n<p>    <!-- =====================================================\n         HERO\n    ====================================================== --><\/p>\n<div style=\"position:relative; overflow:hidden; border-radius:24px; margin-bottom:45px; background:linear-gradient(135deg,#1b223a 0%,#0e1d3b 62%,#85171b 100%); padding:65px 35px; text-align:center; box-shadow:0 12px 35px rgba(0,0,0,0.15);\">\n<div style=\"position:absolute; width:260px; height:260px; border-radius:50%; background:rgba(255,255,255,0.05); top:-110px; right:-80px;\"><\/div>\n<div style=\"position:absolute; width:200px; height:200px; border-radius:50%; background:rgba(255,255,255,0.04); bottom:-100px; left:-70px;\"><\/div>\n<div style=\"position:relative; z-index:2;\">\n<div style=\"display:inline-block; padding:8px 18px; border:1px solid rgba(255,255,255,0.25); border-radius:30px; color:#ffffff; font-size:12px; font-weight:bold; letter-spacing:1.5px; text-transform:uppercase; margin-bottom:18px;\">\n                Gesti\u00f3n Ambiental y Social\n            <\/div>\n<h1 style=\"margin:0 auto 20px; max-width:950px; color:#ffffff; font-size:clamp(28px,4vw,48px); line-height:1.15; font-weight:800;\">\n                Pol\u00edticas para la Administraci\u00f3n y Gesti\u00f3n de Riesgos Ambientales y Sociales<br \/>\n            <\/h1>\n<div style=\"width:70px; height:4px; background:#ffffff; border-radius:10px; margin:0 auto 22px;\"><\/div>\n<p style=\"max-width:900px; margin:0 auto; color:rgba(255,255,255,0.88); font-size:16px; text-align: justify;\">\n                Compromiso institucional con una gesti\u00f3n responsable, sostenible y orientada a la identificaci\u00f3n, administraci\u00f3n, prevenci\u00f3n y mitigaci\u00f3n de riesgos ambientales y sociales.\n            <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         INTRODUCCI\u00d3N\n    ====================================================== --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e6e9ee; border-radius:20px; padding:30px; margin-bottom:45px; box-shadow:0 7px 24px rgba(27,34,58,0.07);\">\n<div style=\"display:flex; align-items:flex-start; gap:18px;\">\n<div style=\"min-width:48px; width:48px; height:48px; border-radius:14px; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:22px; font-weight:bold;\">\n                \u2713\n            <\/div>\n<div>\n<h2 style=\"margin:0 0 10px; color:#1b223a; font-size:25px;\">\n                    Compromiso institucional<br \/>\n                <\/h2>\n<p style=\"margin:0; font-size:15px;\" text-align:justify:>\n                    La Cooperativa de Ahorro y Cr\u00e9dito Uniotavalo Ltda. establece pol\u00edticas para la administraci\u00f3n y gesti\u00f3n de riesgos ambientales y sociales, orientadas a fortalecer una gesti\u00f3n responsable de sus actividades, productos y servicios, promoviendo la sostenibilidad y la adecuada identificaci\u00f3n, evaluaci\u00f3n, administraci\u00f3n y mitigaci\u00f3n de los impactos ambientales y sociales.\n                <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         T\u00cdTULO POL\u00cdTICAS\n    ====================================================== --><\/p>\n<div style=\"text-align:center; margin-bottom:30px;\">\n<div style=\"color:#85171b; font-size:13px; font-weight:bold; letter-spacing:2px; text-transform:uppercase; margin-bottom:8px;\">\n            Marco institucional\n        <\/div>\n<h2 style=\"margin:0; color:#1b223a; font-size:32px; font-weight:800;\">\n            Pol\u00edticas SARAS<br \/>\n        <\/h2>\n<div style=\"width:60px; height:4px; background:#85171b; margin:14px auto 0; border-radius:5px;\"><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         POL\u00cdTICAS 1 - 4\n    ====================================================== --><\/p>\n<div style=\"display:flex; flex-wrap:wrap; gap:22px; margin-bottom:22px;\">\n<p>        <!-- 01 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    01\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Compromiso de la Alta Direcci\u00f3n<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px;\" text-align: justify;>\n                        El Consejo de Administraci\u00f3n y la Gerencia General se comprometen con la implementaci\u00f3n, seguimiento, evaluaci\u00f3n y mejora continua del Sistema de Administraci\u00f3n de Riesgos Ambientales y Sociales (SARAS).\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 02 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    02\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Sostenibilidad institucional<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align: justify;\">\n                        La sostenibilidad constituye una pol\u00edtica interna incorporada en los principios y valores institucionales, promoviendo el cuidado del ambiente y de la comunidad.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 03 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    03\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Cumplimiento normativo<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align: justify;\">\n                        Las pol\u00edticas consideran la normativa vigente emitida por los organismos de control y, cuando corresponda, est\u00e1ndares y buenas pr\u00e1cticas internacionales.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 04 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    04\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Actividades no financiables<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align: justify;\">\n                        La Cooperativa se abstendr\u00e1 de financiar actividades incluidas en el listado de exclusi\u00f3n o aquellas que no cumplan con los compromisos ambientales establecidos.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         POL\u00cdTICAS 5 - 8\n    ====================================================== --><\/p>\n<div style=\"display:flex; flex-wrap:wrap; gap:22px; margin-bottom:22px;\">\n<p>        <!-- 05 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    05\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Metodolog\u00eda SARAS<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align: justify;\">\n                        La metodolog\u00eda SARAS se aplicar\u00e1 considerando la actividad econ\u00f3mica del socio, el destino del cr\u00e9dito y el monto de la operaci\u00f3n.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 06 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    06\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Manual SARAS<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        El Manual SARAS establecer\u00e1 los objetivos, alcance, metodolog\u00eda,funciones y responsabilidades relacionadas con la gesti\u00f3n de riesgos ambientales y sociales.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 07 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    07\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Capacitaci\u00f3n continua<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        Se promover\u00e1 la capacitaci\u00f3n continua de socios, directivos y colaboradores en materia de gesti\u00f3n ambiental y social.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 08 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    08\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Actualizaci\u00f3n de pol\u00edticas<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        Las pol\u00edticas SARAS ser\u00e1n revisadas y actualizadas anualmente o cuando las condiciones institucionales o los requerimientos ambientales y sociales as\u00ed lo determinen.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         POL\u00cdTICAS 9 - 13\n    ====================================================== --><\/p>\n<div style=\"display:flex; flex-wrap:wrap; gap:22px; margin-bottom:50px;\">\n<p>        <!-- 09 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    09\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Seguimiento y reportes<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        Se presentar\u00e1n mensualmente informes sobre el avance de la gesti\u00f3n SARAS al Consejo de Administraci\u00f3n y cuando sean requeridos por las partes interesadas internas o externas.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 10 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    10\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Alineaci\u00f3n estrat\u00e9gica<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        La gesti\u00f3n SARAS estar\u00e1 alineada con la misi\u00f3n, visi\u00f3n, objetivos institucionales y normativa interna de la Cooperativa.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 11 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    11\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Quejas y reclamos<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        Se dispondr\u00e1 de canales de comunicaci\u00f3n para recibir y atender quejas y reclamos de las partes interesadas o afectadas por proyectos financiados.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 12 --><\/p>\n<div style=\"flex:1 1 46%; min-width:290px; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:26px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:16px;\">\n<div style=\"min-width:45px; width:45px; height:45px; border-radius:12px; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    12\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:18px;\">\n                        Identificaci\u00f3n y mitigaci\u00f3n de impactos<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        Se reconocer\u00e1n los impactos ambientales y sociales internos y externos derivados de las operaciones, productos y servicios, estableciendo acciones para su mitigaci\u00f3n.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>        <!-- 13 --><\/p>\n<div style=\"flex:1 1 100%; background:#ffffff; border:1px solid #e4e7ec; border-radius:18px; padding:28px; box-shadow:0 6px 20px rgba(27,34,58,0.06);\">\n<div style=\"display:flex; gap:18px; align-items:flex-start;\">\n<div style=\"min-width:48px; width:48px; height:48px; border-radius:13px; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:bold;\">\n                    13\n                <\/div>\n<div>\n<h3 style=\"margin:0 0 9px; color:#1b223a; font-size:19px;\">\n                        Cultura ambiental<br \/>\n                    <\/h3>\n<p style=\"margin:0; font-size:14px; text-align:justify;\">\n                        Se fomentar\u00e1 una cultura ambiental entre trabajadores y funcionarios mediante la implementaci\u00f3n de medidas orientadas al desarrollo sostenible, uso responsable de recursos y cuidado del ambiente.\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         SEPARADOR CIIU\n    ====================================================== --><\/p>\n<div style=\"background:linear-gradient(135deg,#1b223a,#0e1d3b); border-radius:20px; padding:32px 25px; margin-bottom:30px; text-align:center;\">\n<div style=\"font-size:12px; color:#ffffff; opacity:0.75; letter-spacing:2px; text-transform:uppercase; margin-bottom:8px;\">\n            Actividades no financiables\n        <\/div>\n<h2 style=\"margin:0; color:#ffffff; font-size:30px;\">\n            Listado de Exclusi\u00f3n con C\u00f3digo CIIU<br \/>\n        <\/h2>\n<p style=\"max-width:850px; margin:12px auto 0; color:rgba(255,255,255,0.82); font-size:14px; text-align:justify;\">\n            Actividades econ\u00f3micas identificadas como excluidas dentro de la gesti\u00f3n de riesgos ambientales y sociales.\n        <\/p>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         MATRIZ CIIU\n         ESTRUCTURA REAL DE 3 COLUMNAS\n    ====================================================== --><\/p>\n<div style=\"width:100%; overflow-x:auto; -webkit-overflow-scrolling:touch; margin-bottom:55px; padding-bottom:5px;\">\n<div style=\"width:100%; min-width:820px; border:1px solid #dfe3e8; border-radius:18px; overflow:hidden; background:#ffffff; box-shadow:0 8px 28px rgba(27,34,58,0.08);\">\n<p>            <!-- CABECERA --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#1b223a; color:#ffffff;\">\n<div style=\"padding:17px 18px; font-size:13px; font-weight:800; text-transform:uppercase; letter-spacing:0.5px; border-right:1px solid rgba(255,255,255,0.15);\">\n                    C\u00f3digo\n                <\/div>\n<div style=\"padding:17px 18px; font-size:13px; font-weight:800; text-transform:uppercase; letter-spacing:0.5px; border-right:1px solid rgba(255,255,255,0.15);\">\n                    Descripci\u00f3n\n                <\/div>\n<div style=\"padding:17px 18px; font-size:13px; font-weight:800; text-transform:uppercase; letter-spacing:0.5px; text-align:center;\">\n                    Riesgo ambiental\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 01 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C11010\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    DESTILACI\u00d3N, RECTIFICACI\u00d3N Y MEZCLA DE BEBIDAS ALCOH\u00d3LICAS.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800; letter-spacing:0.5px;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 02 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C110101\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Elaboraci\u00f3n de bebidas alcoh\u00f3licas destiladas: whisky, co\u00f1ac, brandy, ginebra, aguardiente de ca\u00f1a de az\u00facar, etc\u00e9tera.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 03 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C110102\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Elaboraci\u00f3n de mezcla de bebidas alcoh\u00f3licas destiladas y preparados alcoh\u00f3licos compuestos: cremas y otras bebidas alcoh\u00f3licas aromatizadas y azucaradas.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 04 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C110103\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Producci\u00f3n de aguardientes neutros (alcoholes base para elaborar bebidas alcoh\u00f3licas).\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 05 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C110104\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Servicios de apoyo a la destilaci\u00f3n, rectificaci\u00f3n y mezcla de bebidas alcoh\u00f3licas a cambio de una retribuci\u00f3n o por contrato.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 06 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C25200\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    FABRICACI\u00d3N DE ARMAS Y MUNICIONES.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 07 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C252001\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Fabricaci\u00f3n de armas pesadas (artiller\u00eda, ca\u00f1ones m\u00f3viles, lanzacohetes, tubos lanzatorpedos, ametralladoras pesadas, etc\u00e9tera).\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 08 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C252002\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Fabricaci\u00f3n de armas ligeras (rev\u00f3lveres, escopetas, ametralladoras ligeras); armas de fuego y municiones de caza, de deporte o de protecci\u00f3n; armas que disparan balas de fogueo, pistolas para lanzar bengalas de se\u00f1ales, pistolas de matarife, etc\u00e9tera.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 09 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C252003\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Fabricaci\u00f3n de escopetas y pistolas de aire y gas comprimido.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 10 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C252004\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Fabricaci\u00f3n de municiones de guerra; aparatos explosivos tales como bombas, minas y torpedos.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 11 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    C252005\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Servicios de apoyo a la fabricaci\u00f3n de armas y municiones a cambio de una retribuci\u00f3n o por contrato.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 12 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    G462013\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Venta al por mayor de tabaco sin elaborar.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 13 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    G463095\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Venta al por mayor de bebidas alcoh\u00f3licas, incluso el envasado de vino a granel sin transformaci\u00f3n.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 14 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    G463096\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Venta al por mayor de productos de tabaco.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 15 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    R92000\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    ACTIVIDADES DE JUEGOS DE AZAR Y APUESTAS.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 16 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    R920002\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Gesti\u00f3n (explotaci\u00f3n) de m\u00e1quinas de juegos de azar accionadas con monedas y explotaci\u00f3n de casinos, incluidos casinos flotantes, billares, etc\u00e9tera.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 17 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#ffffff; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    R920003\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Gesti\u00f3n de sitios de Internet dedicados a los juegos de azar virtuales, videojuegos.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<p>            <!-- FILA 18 --><\/p>\n<div style=\"display:grid; grid-template-columns:180px minmax(460px,1fr) 180px; background:#f8f9fb; border-top:1px solid #e5e8ec;\">\n<div style=\"padding:17px 18px; font-weight:700; color:#85171b; border-right:1px solid #e5e8ec;\">\n                    R920004\n                <\/div>\n<div style=\"padding:17px 18px; border-right:1px solid #e5e8ec;\">\n                    Apuestas sobre carreras de caballos en el propio hip\u00f3dromo y fuera del hip\u00f3dromo y otros servicios de apuestas.\n                <\/div>\n<div style=\"padding:17px 18px; display:flex; align-items:center; justify-content:center;\">\n                    <span style=\"display:inline-block; padding:6px 15px; background:#f8e8e9; color:#85171b; border-radius:30px; font-size:11px; font-weight:800;\"><br \/>\n                        EXCLUIDO<br \/>\n                    <\/span>\n                <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         IFC\n    ====================================================== --><\/p>\n<div style=\"background:#f5f6f8; border-radius:24px; padding:40px 25px; margin-bottom:45px;\">\n<div style=\"text-align:center; margin-bottom:32px;\">\n<div style=\"color:#85171b; font-size:12px; font-weight:bold; letter-spacing:2px; text-transform:uppercase; margin-bottom:8px;\">\n                Referencia internacional\n            <\/div>\n<h2 style=\"margin:0; color:#1b223a; font-size:30px;\">\n                Listado de Actividades Excluidas proveniente del IFC<br \/>\n            <\/h2>\n<div style=\"width:60px; height:4px; background:#85171b; margin:14px auto 0; border-radius:5px;\"><\/div>\n<\/p><\/div>\n<div style=\"display:flex; flex-direction:column; gap:14px;\">\n<p>            <!-- IFC 1 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    1\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o comercio de cualquier proyecto o actividad ilegal conforme a las leyes nacionales o tratados internacionales, incluyendo productos farmac\u00e9uticos, pesticidas o herbicidas ilegales o controlados, sustancias que destruyen la capa de ozono, PCB, animales o plantas silvestres y productos regulados por CITES.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 2 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    2\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o comercio de armas y municiones.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 3 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    3\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o comercio de bebidas alcoh\u00f3licas, excepto cerveza y vino.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 4 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    4\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o comercio de tabaco.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 5 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    5\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Juegos de azar, casinos y empresas equivalentes.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 6 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    6\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o comercio de materiales radioactivos, excepto determinados equipos m\u00e9dicos o de control de calidad en los que la radioactividad sea trivial y se encuentre debidamente protegida.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 7 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    7\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o comercio de fibras de amianto no aglomeradas. Se except\u00faa el cemento de amianto aglomerado con un contenido inferior al 20% de amianto.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 8 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    8\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Pesca marina con redes de arrastre de una longitud superior a 2,5 kil\u00f3metros.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 9 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    9\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o actividades que involucren trabajo forzoso o trabajo infantil perjudicial o explotador.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 10 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    10\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Operaciones comerciales de explotaci\u00f3n forestal para uso en bosques tropicales h\u00famedos primarios.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 11 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#1b223a; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    11\n                <\/div>\n<div style=\"font-size:14px;\">\n                    Producci\u00f3n o comercializaci\u00f3n de madera y productos forestales provenientes de fuentes distintas a bosques gestionados de manera sostenible.\n                <\/div>\n<\/p><\/div>\n<p>            <!-- IFC 12 --><\/p>\n<div style=\"background:#ffffff; border:1px solid #e1e4e9; border-radius:15px; padding:20px; display:flex; gap:17px;\">\n<div style=\"min-width:38px; width:38px; height:38px; border-radius:50%; background:#85171b; color:#ffffff; display:flex; align-items:center; justify-content:center; font-weight:bold; font-size:14px;\">\n                    12\n  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<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <!-- =====================================================\n         CIERRE\n    ====================================================== --><\/p>\n<div style=\"position:relative; overflow:hidden; background:linear-gradient(135deg,#85171b,#651116); border-radius:24px; padding:45px 30px; text-align:center; margin-bottom:20px; box-shadow:0 10px 30px rgba(133,23,27,0.18);\">\n<div style=\"position:absolute; width:220px; height:220px; border-radius:50%; border:1px solid rgba(255,255,255,0.08); top:-100px; right:-50px;\"><\/div>\n<div style=\"position:relative; z-index:2;\">\n<div style=\"font-size:34px; margin-bottom:10px; color: white;\">\n                \u267b\n            <\/div>\n<h2 style=\"margin:0 0 12px; color:#ffffff; font-size:28px;\">\n                Compromiso con la sostenibilidad<br \/>\n            <\/h2>\n<p style=\"max-width:850px; margin:0 auto; color:rgba(255,255,255,0.9); font-size:15px; text-align:justify;\">\n                La Cooperativa de Ahorro y Cr\u00e9dito Uniotavalo Ltda. incorpora la gesti\u00f3n ambiental y social como parte de sus pr\u00e1cticas institucionales, promoviendo una administraci\u00f3n responsable de los riesgos asociados a sus actividades y operaciones de financiamiento.\n            <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>INFORMACI\u00d3N Pol\u00edticas SARAS Comprometidos con el financiamiento responsable y sostenible Gesti\u00f3n Ambiental y Social Pol\u00edticas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"wp_popup_display_lightbox":0,"wp_popup_suppress":"","wp_popup_trigger":"","wp_popup_trigger_amount":0,"wp_popup_disable_on_mobile":false,"footnotes":""},"class_list":["post-9364","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"INFORMACI\u00d3N Pol\u00edticas SARAS Comprometidos con el financiamiento responsable y sostenible Gesti\u00f3n Ambiental y Social Pol\u00edticas para la Administraci\u00f3n y Gesti\u00f3n de Riesgos Ambientales y Sociales Compromiso institucional con una gesti\u00f3n responsable, sostenible y orientada a la identificaci\u00f3n, administraci\u00f3n, prevenci\u00f3n y mitigaci\u00f3n de riesgos ambientales y sociales. \u2713 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