{"id":2041,"date":"2026-04-16T22:24:32","date_gmt":"2026-04-17T03:24:32","guid":{"rendered":"https:\/\/prestadista.com\/pa\/?post_type=portfolio&#038;p=2041"},"modified":"2026-04-16T22:51:50","modified_gmt":"2026-04-17T03:51:50","slug":"ficisa","status":"publish","type":"portfolio","link":"https:\/\/prestadista.com\/pa\/empresa\/ficisa\/","title":{"rendered":"Financiera Comercial Istme\u00f1a, S.A."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2041\" class=\"elementor elementor-2041\" 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class=\"elementor-element elementor-element-5e8a6db e-flex e-con-boxed e-con e-parent\" data-id=\"5e8a6db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d36e48 e-con-full e-flex e-con e-child\" data-id=\"1d36e48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a42136 elementor-view-framed elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"6a42136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHorario\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLunes a Viernes 8:00 am \u2013 5:00 pm\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-984d56b elementor-view-framed elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"984d56b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-map-marker-alt\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M172.268 501.67C26.97 291.031 0 269.413 0 192 0 85.961 85.961 0 192 0s192 85.961 192 192c0 77.413-26.97 99.031-172.268 309.67-9.535 13.774-29.93 13.773-39.464 0zM192 272c44.183 0 80-35.817 80-80s-35.817-80-80-80-80 35.817-80 80 35.817 80 80 80z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDirecci\u00f3n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAvenida Central, Calle Quinta, Santiago, Panam\u00e1, Rep\u00fablica de Panam\u00e1\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cd9952 elementor-view-framed elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"8cd9952\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhatsapp: \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+507 6974-1992\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-480cb65 elementor-view-framed elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"480cb65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 64H48C21.49 64 0 85.49 0 112v288c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V112c0-26.51-21.49-48-48-48zm0 48v40.805c-22.422 18.259-58.168 46.651-134.587 106.49-16.841 13.247-50.201 45.072-73.413 44.701-23.208.375-56.579-31.459-73.413-44.701C106.18 199.465 70.425 171.067 48 152.805V112h416zM48 400V214.398c22.914 18.251 55.409 43.862 104.938 82.646 21.857 17.205 60.134 55.186 103.062 54.955 42.717.231 80.509-37.199 103.053-54.947 49.528-38.783 82.032-64.401 104.947-82.653V400H48z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCorreo electr\u00f3nico\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\twebficisa@grupospiegel.net\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d287e94 elementor-view-framed elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"d287e94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-laptop\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M624 416H381.54c-.74 19.81-14.71 32-32.74 32H288c-18.69 0-33.02-17.47-32.77-32H16c-8.8 0-16 7.2-16 16v16c0 35.2 28.8 64 64 64h512c35.2 0 64-28.8 64-64v-16c0-8.8-7.2-16-16-16zM576 48c0-26.4-21.6-48-48-48H112C85.6 0 64 21.6 64 48v336h512V48zm-64 272H128V64h384v256z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tP\u00e1gina web\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.ficisa.com.pa\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #fff\">\nwww.ficisa.com.pa<\/a>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc558e0 e-con-full e-flex e-con e-child\" data-id=\"cc558e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-933ac92 elementor-widget elementor-widget-html\" data-id=\"933ac92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-623212c e-con-full e-flex e-con e-child\" data-id=\"623212c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f54854e elementor-widget elementor-widget-image\" data-id=\"f54854e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa.png\" class=\"attachment-full size-full wp-image-2043\" alt=\"\" srcset=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa.png 1080w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa-500x500.png 500w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa-300x300.png 300w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa-768x768.png 768w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa-150x150.png 150w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa-75x75.png 75w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/04\/ficisa-700x700.png 700w\" sizes=\"(max-width:767px) 700px, (max-width:1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2367dcc e-flex e-con-boxed e-con e-parent\" data-id=\"2367dcc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-62f6f9a e-con-full e-flex e-con e-child\" data-id=\"62f6f9a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2aedb0 elementor-widget elementor-widget-text-editor\" data-id=\"a2aedb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>FICISA<\/strong> es el nombre comercial de <strong>Financiera Comercial Istme\u00f1a, S.A.<\/strong>, una financiera vinculada al Grupo Spiegel, grupo que inici\u00f3 en Santiago en 1945. La financiera inici\u00f3 operaciones el 1 de abril de 1987 y se presenta como una opci\u00f3n de financiamiento para compras dentro del ecosistema de tiendas Spiegel, orientada a facilitar la adquisici\u00f3n de art\u00edculos que comercializa el grupo (por ejemplo, l\u00ednea blanca, electr\u00f3nicos y otros bienes del hogar).<\/p><p>Su modelo se centra en evaluar una solicitud breve, validar documentaci\u00f3n y, tras aprobaci\u00f3n interna, permitir que el cliente reciba los art\u00edculos. En Panam\u00e1, FICISA mantiene presencia f\u00edsica en puntos de atenci\u00f3n ubicados en Veraguas, Cocl\u00e9 y Herrera, concentrados principalmente en ciudades como Santiago, Aguadulce y Chitr\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a2bf88 e-flex e-con-boxed e-con e-parent\" data-id=\"6a2bf88\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f1e914f e-flex e-con-boxed e-con e-child\" data-id=\"f1e914f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8b889b5 e-con-full e-flex e-con e-child\" data-id=\"8b889b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a8bcb7 elementor-widget elementor-widget-heading\" data-id=\"1a8bcb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #357D51\"><i>\u00bfQu\u00e9 pr\u00e9stamos ofrece <\/i> <\/span><span style=\"color: #f7a813\">FICISA?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-958b101 e-con-full e-flex e-con e-child\" data-id=\"958b101\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9874d9f e-con-full e-flex e-con e-child\" data-id=\"9874d9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbb305e elementor-widget elementor-widget-image\" data-id=\"fbb305e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos.jpg\" class=\"attachment-large size-large wp-image-654\" alt=\"Pr\u00e9stamos para Comprar Electr\u00f3domesticos\" srcset=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos.jpg 1080w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos-500x500.jpg 500w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos-300x300.jpg 300w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos-768x768.jpg 768w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos-150x150.jpg 150w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos-75x75.jpg 75w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-para-comprar-electrodomesticos-700x700.jpg 700w\" sizes=\"(max-width:767px) 700px, (max-width:1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06d0dac e-con-full e-flex e-con e-child\" data-id=\"06d0dac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fe8732 elementor-widget elementor-widget-heading\" data-id=\"3fe8732\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Financiamiento para compras en tiendas Spiegel<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-063e2b2 elementor-widget elementor-widget-text-editor\" data-id=\"063e2b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El producto principal de FICISA es el financiamiento para compras de art\u00edculos ofrecidos en las tiendas del Grupo Spiegel. En la pr\u00e1ctica, funciona como un cr\u00e9dito para adquirir bienes espec\u00edficos: el cliente elige lo que necesita, presenta una cotizaci\u00f3n del art\u00edculo, y la financiera eval\u00faa la solicitud con base en documentaci\u00f3n de identidad, ingresos y residencia.<\/p><p>Este tipo de financiamiento suele ser buscado por personas que prefieren distribuir el costo de una compra importante en pagos organizados, en lugar de realizar un pago total al momento. El enfoque es especialmente \u00fatil para compras de hogar y art\u00edculos de mayor valor, ya que la evaluaci\u00f3n se apoya en la capacidad de pago y en la consistencia del ingreso del solicitante, evitando que la decisi\u00f3n dependa solo del monto del producto.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39a7960 e-con-full e-flex e-con e-child\" data-id=\"39a7960\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cc394be e-con-full e-flex e-con e-child\" data-id=\"cc394be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e94337 elementor-widget elementor-widget-heading\" data-id=\"4e94337\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">01<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6611b7c elementor-widget elementor-widget-heading\" data-id=\"6611b7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dito para asalariados<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a78056 elementor-widget elementor-widget-text-editor\" data-id=\"9a78056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Para trabajadores asalariados, el proceso se estructura alrededor de documentos laborales recientes y comprobantes de pago. Se solicita carta de trabajo (con vigencia no mayor a 30 d\u00edas) y el \u00faltimo talonario, adem\u00e1s de la c\u00e9dula y un recibo de agua, luz o tel\u00e9fono como soporte de residencia. Esto permite que la evaluaci\u00f3n sea m\u00e1s directa, porque la financiera puede validar ingresos y continuidad laboral sin requerir expedientes complejos.<\/p><p>En t\u00e9rminos de experiencia del usuario, el tr\u00e1mite puede iniciarse desde la web o en sucursal, y luego se completa con la entrega de documentos. Una vez verificada la informaci\u00f3n, la aprobaci\u00f3n pasa por un comit\u00e9 de cr\u00e9dito y, si se confirma, el cliente procede a recibir el art\u00edculo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25f79e8 e-con-full e-flex e-con e-child\" data-id=\"25f79e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca7f3b elementor-widget elementor-widget-heading\" data-id=\"3ca7f3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">02<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-588e28d elementor-widget elementor-widget-heading\" data-id=\"588e28d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dito para independientes<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c4dcd9 elementor-widget elementor-widget-text-editor\" data-id=\"3c4dcd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>FICISA tambi\u00e9n contempla solicitudes de personas independientes, con un requisito adicional orientado a sustentar ingresos: se piden las 2 \u00faltimas declaraciones de renta. Esto es relevante para Panam\u00e1 porque muchas personas generan ingresos por actividad propia (comercio, servicios u oficios) y requieren un respaldo documental distinto al talonario.<\/p><p>En este perfil, la l\u00f3gica es similar: elegir el art\u00edculo, presentar cotizaci\u00f3n y entregar documentos para validar identidad, domicilio e ingresos, con una evaluaci\u00f3n que busca confirmar capacidad real de pago antes de autorizar el financiamiento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8cbad57 e-con-full e-flex e-con e-child\" data-id=\"8cbad57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-17963f2 e-con-full e-flex e-con e-child\" data-id=\"17963f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b490e7 elementor-widget elementor-widget-heading\" data-id=\"3b490e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Sucursales de FICISA en Panam\u00e1<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c76e3fe elementor-widget elementor-widget-text-editor\" data-id=\"c76e3fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>FICISA cuenta con puntos de atenci\u00f3n en Santiago (Veraguas), Aguadulce (Cocl\u00e9) y Chitr\u00e9 (Herrera), adem\u00e1s de ubicaciones adicionales en Santiago asociadas a otras tiendas del Grupo Spiegel.<\/p><ul><li>Spiegel Central (Santiago, Veraguas): Ave. Central, Calle Quinta.<\/li><li>Spiegel Aguadulce (Aguadulce, Cocl\u00e9): Ave. Rafael Est\u00e9vez.<\/li><li>Spiegel Chitr\u00e9 (Chitr\u00e9, Herrera): Calle Roberto Ram\u00edrez, V\u00eda Circunvalaci\u00f3n.<\/li><li>Spiegel Galer\u00eda (Santiago, Veraguas): V\u00eda Interamericana, C.C. Galer\u00eda (referencia: \u201cal lado del Machetazo\u201d).<\/li><li>Spiegel Cecosa (Santiago, Veraguas): Ave. 5ta A Norte.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-befa51d e-con-full e-flex e-con e-child\" data-id=\"befa51d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0525080 elementor-widget elementor-widget-image\" data-id=\"0525080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos.jpg\" class=\"attachment-full size-full wp-image-773\" alt=\"\" srcset=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos.jpg 1080w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos-500x500.jpg 500w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos-300x300.jpg 300w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos-768x768.jpg 768w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos-150x150.jpg 150w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos-75x75.jpg 75w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2026\/01\/prestadista-prestamos-comprar-electronicos-700x700.jpg 700w\" sizes=\"(max-width:767px) 700px, (max-width:1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68aed16 e-flex e-con-boxed e-con e-parent\" data-id=\"68aed16\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9f5e453 e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"9f5e453\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb6b469 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"bb6b469\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon.png\" class=\"attachment-large size-large wp-image-127\" alt=\"\" srcset=\"https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon.png 800w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon-500x500.png 500w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon-300x300.png 300w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon-768x768.png 768w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon-150x150.png 150w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon-75x75.png 75w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/prestadista-favicon-700x700.png 700w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/elementor\/thumbs\/prestadista-favicon-rev9ay3wcy6mkj81j6w16qyoj7wx4iivqcsr2qsb3u.png 25w, https:\/\/prestadista.com\/pa\/wp-content\/uploads\/2025\/11\/elementor\/thumbs\/prestadista-favicon-rev9ay3wnwvqh19h4x3tpro9sjytsgbt7ay1m3em44.png 50w\" sizes=\"(max-width:767px) 700px, (max-width:800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3fa730 e-con-full e-flex e-con e-child\" data-id=\"a3fa730\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdc6c1a elementor-widget elementor-widget-heading\" data-id=\"cdc6c1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes sobre FICISA<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d229e57 elementor-widget elementor-widget-heading\" data-id=\"d229e57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Aqu\u00ed encontrar\u00e1s respuestas a las preguntas m\u00e1s comunes sobre Financiera Comercial Istme\u00f1a, S.A., sus pr\u00e9stamos y los requisitos generales para solicitar un cr\u00e9dito en Panam\u00e1. Esta informaci\u00f3n es orientativa y puede variar seg\u00fan las pol\u00edticas de la entidad.<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5de8b7 elementor-widget elementor-widget-n-accordion\" data-id=\"a5de8b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1730\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1730\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 tipos de pr\u00e9stamos ofrece esta financiera? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-b78a338 e-con-full e-flex e-con e-child\" data-id=\"b78a338\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa7e0d7 elementor-widget elementor-widget-text-editor\" data-id=\"aa7e0d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFICISA se enfoca en financiamiento para compras de art\u00edculos, donde el cliente presenta la cotizaci\u00f3n del art\u00edculo y se eval\u00faa la solicitud con documentaci\u00f3n de ingresos y residencia.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1731\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1731\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfC\u00f3mo encuentro la sucursal de Presta Panam\u00e1 m\u00e1s cercana? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1731\" class=\"elementor-element elementor-element-edbd52b e-con-full e-flex e-con e-child\" data-id=\"edbd52b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdef2c2 elementor-widget elementor-widget-text-editor\" data-id=\"bdef2c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPuedes ubicarla por provincia y ciudad. FICISA tiene puntos de atenci\u00f3n en Veraguas (Santiago), Cocl\u00e9 (Aguadulce) y Herrera (Chitr\u00e9); dentro de Santiago, tambi\u00e9n aparecen ubicaciones en Spiegel Central, Spiegel Galer\u00eda y Spiegel Cecosa.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1732\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1732\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfFinanciera Comercial Istme\u00f1a, S.A. est\u00e1 regulada en Panam\u00e1? <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1732\" class=\"elementor-element elementor-element-8b4083b e-con-full e-flex e-con e-child\" data-id=\"8b4083b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd83f79 elementor-widget elementor-widget-text-editor\" data-id=\"fd83f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tS\u00ed. Financiera Comercial Istme\u00f1a, S.A. figura como entidad supervisada por la Superintendencia de Bancos de Panam\u00e1 (SBP) exclusivamente en materia de Prevenci\u00f3n de Blanqueo de Capitales, Financiamiento del Terrorismo y Financiamiento de la Proliferaci\u00f3n de Armas, conforme a la Ley 23 de 2015 y sus modificaciones. Esto implica obligaciones de cumplimiento (compliance) bajo ese marco de supervisi\u00f3n, sin que ello signifique que opera como banco.\n\nAdem\u00e1s, est\u00e1 registrada ante el Ministerio de Comercio e Industrias (MICI) como empresa financiera en Panam\u00e1.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Horario Lunes a Viernes 8:00 am \u2013 5:00 pm Direcci\u00f3n Avenida Central, Calle Quinta, Santiago, Panam\u00e1, Rep\u00fablica de Panam\u00e1 Whatsapp: +507 6974-1992 Correo electr\u00f3nico webficisa@grupospiegel.net P\u00e1gina<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1335,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":""},"portfolio-ciudades":[17,19,22],"portfolio-types":[7],"class_list":["post-2041","portfolio","type-portfolio","status-publish","has-post-thumbnail","hentry","portfolio-ciudades-cocle","portfolio-ciudades-herrera","portfolio-ciudades-veraguas","portfolio-types-prestamos-personales"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financiera Comercial Istme\u00f1a, S.A. ofrece Pr\u00e9stamos en Panam\u00e1<\/title>\n<meta name=\"description\" content=\"Ofrece soluciones de cr\u00e9dito para personas de distintos sectores laborales\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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