{"id":314839,"date":"2023-11-28T09:10:31","date_gmt":"2023-11-28T08:10:31","guid":{"rendered":"https:\/\/www.fiarebancaetica.coop\/?page_id=314839"},"modified":"2024-02-20T16:38:52","modified_gmt":"2024-02-20T15:38:52","slug":"politica-de-credit","status":"publish","type":"page","link":"https:\/\/www.fiarebancaetica.coop\/ca\/identitat\/politica-de-credit\/","title":{"rendered":"Pol\u00edtica de Cr\u00e8dit"},"content":{"rendered":"\n
\n \n\n

Pol\u00edtica de cr\u00e8dit<\/span>
A qui financien els teus diners i a qui no<\/h1>\n\n\n\n

Els cr\u00e8dits que concedim no estan regits exclusivament per la rendibilitat. En coher\u00e8ncia amb el nostre “Manifest pol\u00edtic”<\/a>, valorem i triem els projectes als quals donarem suport tant per la seva viabilitat com per la sensibilitat social, ambiental o \u00e8tica que mostren.<\/p>\n\n\n\n

Les decisions resultat d’aquesta pol\u00edtica s\u00f3n fonamentals per garantir la coher\u00e8ncia entre l’activitat operativa, la missi\u00f3 estatut\u00e0ria i el nostre Codi \u00e8tic<\/a> i estan en la base del pacte establert amb els nostres estalviadors i la nostra base social i clientela.<\/p>\n\n\n\n

La import\u00e0ncia de la correcci\u00f3 i la claredat dels procediments, del respecte a la normativa i d’una gesti\u00f3 prudent \u00e9s indubtable, per\u00f2 el proc\u00e9s del cr\u00e8dit de Fiare Banca Etica es caracteritza per l’avaluaci\u00f3 del m\u00e8rit creditici en funci\u00f3 tant d’elements econ\u00f2mics (l’an\u00e0lisi t\u00e8cnica) com d’elements no econ\u00f2mics (sensibilitat social, ambiental, \u00e8tica…) dels projectes.<\/strong>Pots verificar la coher\u00e8ncia de la Pol\u00edtica de cr\u00e8dit de Fiare Banca Etica a la secci\u00f3 \u2063 “Amb els meus diners”.<\/a><\/p>\n\n\n\n

\u00c0mbits de finan\u00e7ament<\/span><\/h3>\n\n\n\n

Els diferents sectors susceptibles de ser finan\u00e7ats s\u00f3n:<\/p>\n\n\n\n

  •  sistema de benestar social: serveis sociosanitaris, habitatge social, microcr\u00e8dit assistencial;<\/li>
  •  efici\u00e8ncia energ\u00e8tica i energies renovables: a\u00efllament d’immobles, cogeneraci\u00f3, energia solar t\u00e8rmica, solar fotovoltaica, e\u00f2lica, hidroel\u00e8ctrica;<\/li>
  •  medi ambient: gesti\u00f3 de residus, reciclatge de mat\u00e8ries primeres, produccions ecocompatibles;<\/li>
  •  agricultura de proximitat: producci\u00f3 i comercialitzaci\u00f3 de productes org\u00e0nics (ecol\u00f2gics), foment de canals curts de comercialitzaci\u00f3, grups de consum i processos de sobirania aliment\u00e0ria;<\/li>
  •  cooperaci\u00f3 internacional: cooperaci\u00f3 al desenvolupament reconeguda pel Ministeri d’Assumptes Exteriors i de Cooperaci\u00f3, i\/o per institucions supranacionals, microfinances, finances \u00e8tiques i solid\u00e0ries;<\/li>
  •  animaci\u00f3 sociocultural: educaci\u00f3, cultura, esport, centres juvenils, etc.;<\/li>
  •  comer\u00e7 just: entitats que treballen des d’aqu\u00ed.<\/li><\/ul>\n\n\n\n

    Els dubtes d’interpretaci\u00f3 eventuals pel que fa als sectors susceptibles de finan\u00e7ament han de ser sotmesos a debat al Comit\u00e8 d’\u00c8tica.<\/p>\n\n\n\n

    Activitats no finan\u00e7ables<\/span><\/h3>\n\n\n\n

    Excloem la possibilitat de finan\u00e7ar les activitats econ\u00f2miques que obstaculitzen el desenvolupament hum\u00e0, en particular:<\/p>\n\n\n\n

    •  producci\u00f3 i comercialitzaci\u00f3 d’armes; activitats amb un impacte negatiu evident al medi ambient; \u00fas i desenvolupament de fonts energ\u00e8tiques i de tecnologies perilloses per a l’\u00e9sser hum\u00e0 i el medi ambient;<\/li>
    •  explotaci\u00f3 laboral infantil, violaci\u00f3 dels drets humans;<\/li>
    •  cria intensiva d’animals que no respecti els criteris previstos pels est\u00e0ndards de la certificaci\u00f3 ecol\u00f2gica;<\/li>
    •  exclusi\u00f3\/marginaci\u00f3 de minories de la poblaci\u00f3;<\/li>
    •  relaci\u00f3 directa amb r\u00e8gims que not\u00f2riament no respecten els drets humans i\/o s\u00f3n greument responsables de la destrucci\u00f3 del medi ambient;<\/li>
    •  activitats de recerca en el camp cient\u00edfic que condueixin a l’experimentaci\u00f3 en subjectes d\u00e8bils o no tutelats o en animals;<\/li>
    •  mercantilitzaci\u00f3 del sexe;<\/li>
    •  jocs d’atzar.<\/li><\/ul>\n\n\n\n

      Avaluaci\u00f3 de les sol\u00b7licituds de finan\u00e7ament<\/span><\/h3>\n\n\n\n

      L’avaluaci\u00f3 de les sol\u00b7licituds de finan\u00e7ament es basa en un coneixement indispensable del client, del seu projecte i els seus requisits espec\u00edfics. Tots els finan\u00e7aments s\u00f3n avaluats per l’estructura operativa de Fiare Banca Etica en funci\u00f3 de la capacitat econ\u00f2mica i financera de devoluci\u00f3 del pr\u00e9stec.<\/p>\n\n\n\n

      La determinaci\u00f3 de l’impacte socioambiental dels cr\u00e8dits concedits a les organitzacions s’efectua mitjan\u00e7ant una an\u00e0lisi desenvolupada per una comissi\u00f3 d’avaluaci\u00f3 \u00e8ticosocial. Aquesta comissi\u00f3 est\u00e0 formada per persones volunt\u00e0ries de l’organitzaci\u00f3 territorial de les persones i organitzacions s\u00f2cies, inscrites en un registre corresponent, que fan possible l’avaluaci\u00f3 del m\u00e8rit creditici de la clientela tamb\u00e9 en funci\u00f3 d’indicadors no econ\u00f2mics.<\/p>\n\n\n\n

      <\/p>\n\n\n<\/div>\n\n\n

      <\/div>\n\n\n\n

      <\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6693,"featured_media":0,"parent":314820,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"coauthors":[10743],"class_list":["post-314839","page","type-page","status-publish","hentry","crispybacon-hidden-page-title"],"acf":[],"yoast_head":"\nPol\u00edtica de Cr\u00e8dit - Fiare Banca Etica<\/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.fiarebancaetica.coop\/ca\/identitat\/politica-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pol\u00edtica de Cr\u00e8dit - Fiare Banca Etica\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiarebancaetica.coop\/ca\/identitat\/politica-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Fiare Banca Etica\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-20T15:38:52+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fiarebancaetica.coop\/ca\/identitat\/politica-de-credit\/\",\"url\":\"https:\/\/www.fiarebancaetica.coop\/ca\/identitat\/politica-de-credit\/\",\"name\":\"Pol\u00edtica de Cr\u00e8dit - 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