El Indecopi confirm\u00f3 sanciones contra una Caja Municipal de Ahorro y Cr\u00e9dito y una Cooperativa de Ahorro y Cr\u00e9dito por establecer restricciones de edad en la oferta de productos crediticios sin sustento objetivo ni razonable, pr\u00e1ctica que fue considerada discriminatoria contra determinados consumidores.<\/p>\n\n\n\n
En el caso de la Caja Municipal, la Sala Especializada en Protecci\u00f3n al Consumidor impuso una multa de 8 UIT por exigir en su p\u00e1gina web que el producto \u00abCr\u00e9dito Multioficios\u00bb solo pudiera ser solicitado por personas desde los 20 a\u00f1os, excluyendo a consumidores menores de esa edad sin justificar t\u00e9cnicamente dicha limitaci\u00f3n.<\/p>\n\n\n\n
De igual manera, la Cooperativa fue sancionada con 5 UIT por se\u00f1alar que su producto \u00abCr\u00e9dito Personal\u00bb estaba dirigido \u00fanicamente a personas entre 18 y 63 a\u00f1os, lo que, seg\u00fan el Indecopi, afectaba a adultos mayores al desincentivar su acceso al servicio financiero.<\/p>\n\n\n\n
La entidad record\u00f3 que las empresas del sistema financiero pueden evaluar riesgos crediticios, pero dichas evaluaciones deben sustentarse en criterios objetivos, como la capacidad de pago, y no en condiciones personales como la edad, salvo que exista una justificaci\u00f3n razonable.<\/p>\n\n\n\n
Ambos pronunciamientos corresponden a la segunda y \u00faltima instancia administrativa del Indecopi.<\/p>\n","protected":false},"excerpt":{"rendered":"
El Indecopi confirm\u00f3 sanciones contra una Caja Municipal de Ahorro y Cr\u00e9dito y una Cooperativa de Ahorro y Cr\u00e9dito por<\/p>\n","protected":false},"author":2,"featured_media":1230,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[11],"tags":[],"class_list":["post-1229","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lo-mas-leido"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-150x150.png","medium":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-300x211.png","medium_large":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-768x540.png","large":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012.png","1536x1536":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012.png","2048x2048":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012.png","colormag-highlighted-post":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-392x272.png","colormag-featured-post-medium":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-390x205.png","colormag-featured-post-small":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-130x90.png","colormag-featured-image":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-797x445.png","colormag-default-news":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-150x150.png","colormag-featured-image-large":"https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012.png"},"magazineBlocksPostAuthor":{"name":"Notas Corporacion","avatar":"https:\/\/secure.gravatar.com\/avatar\/b0424239fb0ab73301ee2fe15fa63952f8cc91a7008617235d24e486a66fa922?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":"0","magazineBlocksPostExcerpt":"El Indecopi confirm\u00f3 sanciones contra una Caja Municipal de Ahorro y Cr\u00e9dito y una Cooperativa de Ahorro y Cr\u00e9dito por","magazineBlocksPostCategories":["Lo mas leido"],"magazineBlocksPostViewCount":18,"magazineBlocksPostReadTime":1,"magazine_blocks_featured_image_url":{"full":["https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012.png",797,560,false],"medium":["https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-300x211.png",300,211,true],"thumbnail":["https:\/\/radiocorporacion.com.pe\/wp-content\/uploads\/2026\/05\/image-2026-05-13T094204.012-150x150.png",150,150,true]},"magazine_blocks_author":{"display_name":"Notas Corporacion","author_link":"https:\/\/radiocorporacion.com.pe\/?author=2"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/b0424239fb0ab73301ee2fe15fa63952f8cc91a7008617235d24e486a66fa922?s=96&d=mm&r=g","magazine_blocks_category":"Lo mas leido<\/a>","_links":{"self":[{"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=\/wp\/v2\/posts\/1229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1229"}],"version-history":[{"count":1,"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=\/wp\/v2\/posts\/1229\/revisions"}],"predecessor-version":[{"id":1231,"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=\/wp\/v2\/posts\/1229\/revisions\/1231"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=\/wp\/v2\/media\/1230"}],"wp:attachment":[{"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1229"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/radiocorporacion.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}