{"id":6367,"date":"2024-08-26T19:48:39","date_gmt":"2024-08-26T19:48:39","guid":{"rendered":"https:\/\/inpreunah.hn\/inpreunah\/?page_id=6367"},"modified":"2026-02-09T17:23:08","modified_gmt":"2026-02-09T17:23:08","slug":"gestion-integral-de-riesgos","status":"publish","type":"page","link":"https:\/\/inpreunah.hn\/inpreunah\/gestion-integral-de-riesgos\/","title":{"rendered":"Gesti\u00f3n Integral de Riesgos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6367\" class=\"elementor elementor-6367\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"has_eae_slider elementor-element elementor-element-340c9112 e-con-full e-flex e-con e-parent\" data-eae-slider=\"28285\" data-id=\"340c9112\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div 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elementor-element-63a23981 elementor-widget elementor-widget-heading\" data-id=\"63a23981\" 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<h1 class=\"elementor-heading-title elementor-size-default\">Gesti\u00f3n Integral de Riesgos<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f6e98f6 elementor-widget__width-auto elementor-absolute elementor-hidden-mobile elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"1f6e98f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;rotateIn&quot;,&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg 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posibilita una mejora continua en el proceso de toma de decisiones, permitiendo minimizar p\u00e9rdidas y maximizar oportunidades. Asimismo, determina diversos mecanismos de control y prevenci\u00f3n, y, sobre todo, busca proteger y fortalecer el patrimonio institucional ante la presencia de posibles p\u00e9rdidas econ\u00f3micas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-496379a9 elementor-widget__width-auto elementor-absolute elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"496379a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;rotateIn&quot;,&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-pulse\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a8eb4335-8e9b-47f1-beca-ff78a2b48142\" data-name=\"Layer 1\" width=\"126\" height=\"126\" viewBox=\"0 0 126 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class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"e-tabs\">\n\t\t\t<div class=\"e-tabs-main-area\">\n\t\t\t\t<div class=\"e-tabs-wrapper\">\n\t\t\t\t\t<div class=\"e-tabs-header\">\n\t\t\t\t\t\t<h2 class=\"e-tabs-title\">Conoce de Gesti\u00f3n Integral de Riesgos<\/h2>\n\t\t\t\t\t\t<div class=\"e-tabs-header-right-side\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-tabs-videos-count\">3 Videos<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"e-tabs-toggle-videos-display-button rotate-down eicon-caret-down\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"e-tabs-items-wrapper\">\n\t\t\t\t\t\t<div class=\"e-tabs-items\" role=\"tablist\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"e-tab-title-1301\" class=\"e-tab-title e-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-tab-content-1301\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"e-tab-thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/inpreunah.hn\/inpreunah\/wp-content\/uploads\/2024\/08\/Conceptos-claves-e1724795826856.png\" alt=\"Conceptos Claves de Riesgos\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"icon-play\"><i aria-hidden=\"true\" class=\"fas fa-play-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"icon-watched\"><i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"e-tab-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Conceptos Claves de Riesgos<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-tab-duration\">1:14<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"e-tab-title-1302\" class=\"e-tab-title e-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-tab-content-1302\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"e-tab-thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/inpreunah.hn\/inpreunah\/wp-content\/uploads\/2024\/08\/Procesos-Claves-e1724795953635.png\" alt=\"Procesos Claves de GIR\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"icon-play\"><i aria-hidden=\"true\" class=\"fas fa-play-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"icon-watched\"><i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"e-tab-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Procesos Claves de GIR<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-tab-duration\">1:19<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"e-tab-title-1303\" class=\"e-tab-title e-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-tab-content-1303\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"e-tab-thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/i.vimeocdn.com\/video\/1920115910-a72f64318a9d4b339f6dbfd93be34ad652738a126d4f484665b252b92058abde-d_200x150\" alt=\"Matrices de Riesgo\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"icon-play\"><i aria-hidden=\"true\" class=\"fas fa-play-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"icon-watched\"><i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"e-tab-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Matrices de Riesgo<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"e-tab-duration\">1:17<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"shadow shadow-top\" aria-hidden=\"true\"><\/div>\n\t\t\t\t\t\t<div class=\"shadow shadow-bottom\" aria-hidden=\"true\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"e-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"e-tab-content-1301\" class=\"e-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"e-tab-title-1301\" tabindex=\"0\" data-video-url=\"https:\/\/vimeo.com\/1003669295\" data-video-type=\"vimeo\" data-video-title=\"Conceptos Claves de Riesgos\" data-video-duration=\"1:14\">\n\t\t\t\t\t\t\t<div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"e-tab-content-1302\" class=\"e-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"e-tab-title-1302\" tabindex=\"0\" data-video-url=\"https:\/\/vimeo.com\/1003668753\" data-video-type=\"vimeo\" data-video-title=\"Procesos Claves de GIR\" data-video-duration=\"1:19\" hidden=\"hidden\">\n\t\t\t\t\t\t\t<div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"e-tab-content-1303\" class=\"e-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"e-tab-title-1303\" tabindex=\"0\" data-video-url=\"https:\/\/vimeo.com\/1003669625\" data-video-type=\"vimeo\" data-video-title=\"Matrices de Riesgo\" data-video-duration=\"1:17\" hidden=\"hidden\">\n\t\t\t\t\t\t\t<div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"e-tabs-inner-tabs\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\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<div class=\"has_eae_slider elementor-element elementor-element-1e1b9765 e-con-full e-flex e-con e-parent\" data-eae-slider=\"70660\" data-id=\"1e1b9765\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-210fd6da e-con-full e-flex e-con e-child\" data-eae-slider=\"23526\" data-id=\"210fd6da\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-755bfd34 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"755bfd34\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" 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\">Riesgos Gestionados en el INPREUNAH<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-521c42b0 animated-slow elementor-invisible elementor-widget elementor-widget-toggle\" data-id=\"521c42b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;300&quot;}\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1371\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1371\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo Operativo<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1371\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1371\"><p>Es la posibilidad de ocurrencia de p\u00e9rdidas debido a procesos inadecuados, fallas del personal, de la tecnolog\u00eda de informaci\u00f3n, la infraestructura o eventos externos.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1372\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1372\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo Reputacional<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1372\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1372\"><p>Es el riesgo de p\u00e9rdida de negocio por la opini\u00f3n p\u00fablica negativa y da\u00f1o consecuente en la reputaci\u00f3n del Instituto.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1373\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1373\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo de Liquidez<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1373\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1373\"><p>Es la probabilidad de que el instituto no pueda financiar sus obligaciones a corto plazo, ya sea por gastos operativos, beneficios previsionales u otras obligaciones contempladas en el Reglamento General del INPREUNAH.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1374\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1374\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo de Cr\u00e9dito<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1374\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1374\"><p>Es la posibilidad de p\u00e9rdida derivada del incumplimiento de obligaciones contractuales contra\u00eddas por las contrapartes de una operaci\u00f3n. Este riesgo se deriva por el no pago o pago inoportuno de las obligaciones a cargo de prestatarios, deudores de cualquier tipo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1375\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1375\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo Estrat\u00e9gico<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1375\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1375\"><p>Es la imposibilidad de implementar apropiadamente los planes de negocios, las estrategias, las decisiones de mercado, la asignaci\u00f3n de recursos y su incapacidad de adaptarse a los cambios del entorno.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1376\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1376\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo de Mercado<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1376\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1376\"><p>Surge de la evoluci\u00f3n desfavorable de los factores de riesgos subyacentes (tipos de inter\u00e9s, tipos de cambio y de precios). Consecuentemente, la exposici\u00f3n al riesgo de mercado est\u00e1 determinada no s\u00f3lo por la volatilidad de los factores de riesgos subyacentes, sino tambi\u00e9n por la sensibilidad de la cartera del Instituto a las variaciones en los mismos.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1377\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1377\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo Tecnol\u00f3gico<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1377\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1377\"><p>Surge de la potencial p\u00e9rdida por da\u00f1os, interrupci\u00f3n, alteraci\u00f3n o fallas derivadas del uso o dependencia en el hardware, software, sistemas, aplicaciones, redes y cualquier otro canal digital de distribuci\u00f3n de informaci\u00f3n.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1378\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1378\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgo Actuarial<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1378\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1378\"><p>Se define como la probabilidad de incumplimiento a largo plazo de las obligaciones de otorgamiento de beneficios principalmente a causa, entre otros, de la insostenibilidad esencial de la estructura de beneficios en la ley vigente (como riesgo asociado al nivel de suficiencia patrimonial del Instituto).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1379\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1379\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgos Emergentes<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1379\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1379\"><p>Es aquel que se genera de eventos fortuitos de los cuales no se cuenta con suficiente informaci\u00f3n para su estimaci\u00f3n y que podr\u00eda tener un impacto significativo para los objetivos del Instituto.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13710\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-13710\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-arrow-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Riesgos Pa\u00eds<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13710\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-13710\"><p>Es derivado de factores (pol\u00edticos, sociales, legales, macroecon\u00f3micos) externos de la jurisdicci\u00f3n donde opera el pa\u00eds evaluado.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Riesgo Operativo\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Es la posibilidad de ocurrencia de p\\u00e9rdidas debido a procesos inadecuados, fallas del personal, de la tecnolog\\u00eda de informaci\\u00f3n, la infraestructura o eventos externos.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgo Reputacional\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Es el riesgo de p\\u00e9rdida de negocio por la opini\\u00f3n p\\u00fablica negativa y da\\u00f1o consecuente en la reputaci\\u00f3n del Instituto.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgo de Liquidez\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Es la probabilidad de que el instituto no pueda financiar sus obligaciones a corto plazo, ya sea por gastos operativos, beneficios previsionales u otras obligaciones contempladas en el Reglamento General del INPREUNAH.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgo de Cr\\u00e9dito\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Es la posibilidad de p\\u00e9rdida derivada del incumplimiento de obligaciones contractuales contra\\u00eddas por las contrapartes de una operaci\\u00f3n. Este riesgo se deriva por el no pago o pago inoportuno de las obligaciones a cargo de prestatarios, deudores de cualquier tipo.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgo Estrat\\u00e9gico\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Es la imposibilidad de implementar apropiadamente los planes de negocios, las estrategias, las decisiones de mercado, la asignaci\\u00f3n de recursos y su incapacidad de adaptarse a los cambios del entorno.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgo de Mercado\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Surge de la evoluci\\u00f3n desfavorable de los factores de riesgos subyacentes (tipos de inter\\u00e9s, tipos de cambio y de precios). Consecuentemente, la exposici\\u00f3n al riesgo de mercado est\\u00e1 determinada no s\\u00f3lo por la volatilidad de los factores de riesgos subyacentes, sino tambi\\u00e9n por la sensibilidad de la cartera del Instituto a las variaciones en los mismos.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgo Tecnol\\u00f3gico\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Surge de la potencial p\\u00e9rdida por da\\u00f1os, interrupci\\u00f3n, alteraci\\u00f3n o fallas derivadas del uso o dependencia en el hardware, software, sistemas, aplicaciones, redes y cualquier otro canal digital de distribuci\\u00f3n de informaci\\u00f3n.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgo Actuarial\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Se define como la probabilidad de incumplimiento a largo plazo de las obligaciones de otorgamiento de beneficios principalmente a causa, entre otros, de la insostenibilidad esencial de la estructura de beneficios en la ley vigente (como riesgo asociado al nivel de suficiencia patrimonial del Instituto).<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgos Emergentes\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Es aquel que se genera de eventos fortuitos de los cuales no se cuenta con suficiente informaci\\u00f3n para su estimaci\\u00f3n y que podr\\u00eda tener un impacto significativo para los objetivos del Instituto.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Riesgos Pa\\u00eds\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Es derivado de factores (pol\\u00edticos, sociales, legales, macroecon\\u00f3micos) externos de la jurisdicci\\u00f3n donde opera el pa\\u00eds evaluado.<\\\/p>\"}}]}<\/script>\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<div class=\"elementor-element elementor-element-77d6aa0 elementor-widget__width-initial elementor-hidden-mobile ha-has-bg-overlay elementor-widget elementor-widget-image\" data-id=\"77d6aa0\" 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=\"172\" height=\"1024\" src=\"https:\/\/inpreunah.hn\/inpreunah\/wp-content\/uploads\/2024\/08\/GIR2-172x1024.jpg\" class=\"attachment-large size-large wp-image-6650\" alt=\"\" srcset=\"https:\/\/inpreunah.hn\/inpreunah\/wp-content\/uploads\/2024\/08\/GIR2-172x1024.jpg 172w, https:\/\/inpreunah.hn\/inpreunah\/wp-content\/uploads\/2024\/08\/GIR2-161x960.jpg 161w\" sizes=\"(max-width:767px) 172px, 172px\" \/>\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=\"has_eae_slider elementor-element elementor-element-6325977e e-flex e-con-boxed e-con e-parent\" data-eae-slider=\"60528\" data-id=\"6325977e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76b73820 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"76b73820\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Informes de Riesgos<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-9967c13 e-con-full e-flex e-con e-child\" data-eae-slider=\"31471\" data-id=\"9967c13\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb5d883 elementor-widget elementor-widget-ha-pdf-view happy-addon ha-pdf-view\" data-id=\"eb5d883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-pdf-view.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"pdf_viewer_container\">\n            <div class=\"pdf_viewer_options viewer-eb5d883\" data-pdf-settings=\"{&quot;unique_id&quot;:&quot;viewer-eb5d883&quot;,&quot;pdf_url&quot;:&quot;https:\\\/\\\/inpreunah.hn\\\/inpreunah\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Informe-trimestral-IV-Trimestre-2025.pdf&quot;,&quot;file_type&quot;:&quot;upload_file&quot;,&quot;page_number&quot;:&quot;1&quot;,&quot;width&quot;:&quot;100%&quot;,&quot;height&quot;:&quot;600px&quot;}\">\n\t\t\t\t<span class=\"ha-title-flex\">\n\t\t\t\t\t<span class=\"pdf-icon\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-file-pdf\"><\/i>\t\t\t\t\t<\/span>\n\t\t\t\t\t<h2 class=\"ha-pdf-title\">Gesti\u00f3n de Riesgos IV Trimestre 2025<\/h2>\t\t\t\t<\/span>\n\t\t\t\t                <div class=\"pdf-button\">\n                <a href=\"https:\/\/inpreunah.hn\/inpreunah\/wp-content\/uploads\/2026\/02\/Informe-trimestral-IV-Trimestre-2025.pdf\" class=\"ha-btn\" download title=\"Gesti\u00f3n de Riesgos IV Trimestre 2025\">Descargar<\/a>                <\/div>\n            <\/div>\n\n\t\t\t<div>\n\t\t\t\t<div id=\"viewer-eb5d883\"><\/div>\n\t\t\t<\/div>\n\n        <\/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<div class=\"has_eae_slider elementor-element elementor-element-e62291f e-flex e-con-boxed e-con e-parent\" data-eae-slider=\"43193\" data-id=\"e62291f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-4cf9e94 e-con-full e-flex e-con e-child\" data-eae-slider=\"7844\" data-id=\"4cf9e94\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d23fdd2 elementor-widget elementor-widget-heading\" data-id=\"d23fdd2\" 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\">2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54a6cbd elementor-align-center elementor-widget elementor-widget-button\" data-id=\"54a6cbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/IQDKC4_zjxcuRqSF-0Lnb-u7AeqENnQLk_csRi5vceqA4uo?e=PMa0og\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cuarto Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-669a04f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"669a04f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/IQDBJBWJOUBMTriX0f-ItB5IASs8LrtaLnNdx2xQY-ZsRHs?e=eHBoWg\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Tercer Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ad72ee elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8ad72ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/EbAfHKbLLPhJoPRnje1F7wIBYYPDruZZzcwvMlJ_Y_CNaw?e=e74dPG\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Segundo Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5862aeb elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5862aeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/Ef4SmDHZV3lJvVffql-mtwMBKViwPolEy8Cq302J-QZ7zA?e=ZB3fwq\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Primer Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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=\"has_eae_slider elementor-element elementor-element-47e2282 e-con-full e-flex e-con e-child\" data-eae-slider=\"37612\" data-id=\"47e2282\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82205d8 elementor-widget elementor-widget-heading\" data-id=\"82205d8\" 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\">2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-731feb6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"731feb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/EUrhQMGiqGBHhE6ZiMPcNisBu22QgZtmJpWCvuK-QqU2Mw?e=5UVQhE\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cuarto Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30c2038 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"30c2038\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/EevUB2hxgvFKq4_eCMWToCUBi5I6h5NNwBn42QwqaqoRbQ?e=um2XBD\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Tercer Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9986bbb elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9986bbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/EVReJylL3-9MvEBBjLCFhhIB8E08JV11_BZ3kQ7Sqlmouw?e=bjARy0\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Segundo Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f38684 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8f38684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/EZrq8yAmt6VMlJLE-An9vocBbnJFxChZTO1vgg4Tnx5-Ng?e=irR9y5\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Primer Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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=\"has_eae_slider elementor-element elementor-element-05734d4 e-con-full e-flex e-con e-child\" data-eae-slider=\"75302\" data-id=\"05734d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b634846 elementor-widget elementor-widget-heading\" data-id=\"b634846\" 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\">2023<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c13b6ce elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c13b6ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/ESGhWCL_pYBCtKRGMxWH-aMBkA3piD38SKnQZOVHeFCS-w?e=gGAA3N\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cuarto Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d4fcbe elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5d4fcbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/EeO713XiXltIpufHPnk0WOgBs4_zs37j-v1Bf9sTu2g_Rw?e=BMkWVD\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Tercer Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16d393e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"16d393e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/officeinpreunahn-my.sharepoint.com\/:b:\/g\/personal\/info_inpreunah_hn\/ERNeYbvIhYBNvD6K7kzGmXkB4XgVPLoWcXhJndHPPwrLbA?e=c9rNe8\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Segundo Trimestre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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=\"has_eae_slider elementor-element elementor-element-164e3670 e-con-full e-flex e-con e-parent\" data-eae-slider=\"56720\" data-id=\"164e3670\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ea6b404 elementor-widget__width-auto elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6ea6b404\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"e2f78f38-da7b-4176-a1e3-20b1b56a4ef2\" data-name=\"Layer 1\" width=\"142.1348\" height=\"142.1348\" viewBox=\"0 0 142.1348 142.1348\"><rect x=\"20.5675\" y=\"20.5674\" width=\"101\" height=\"101\" transform=\"translate(-28.9441 81.0107) rotate(-50.6777)\"><\/rect><\/svg>\t\t\t<\/div>\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-2c58c62a elementor-widget__width-auto elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2c58c62a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"b18049b4-eb08-4ec6-87fa-a4c6bce5f5b0\" data-name=\"Layer 1\" width=\"281\" height=\"281\" viewBox=\"0 0 281 281\"><path d=\"M140.5,281C63.0278,281,0,217.9717,0,140.5S63.0278,0,140.5,0,281,63.0278,281,140.5,217.9717,281,140.5,281Zm0-236A95.5,95.5,0,1,0,236,140.5,95.6084,95.6084,0,0,0,140.5,45Z\"><\/path><\/svg>\t\t\t<\/div>\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-7b6d9e6 elementor-widget__width-auto elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7b6d9e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"b3e601bd-aecf-4828-b9f1-16e46507efd3\" data-name=\"Layer 1\" width=\"261.0726\" height=\"136.9995\" viewBox=\"0 0 261.0726 136.9995\"><rect width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"31.0203\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"62.0391\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"93.0577\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"124.0751\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"155.0941\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"186.1121\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"217.1331\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"248.1481\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect y=\"31.0203\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"31.0203\" y=\"31.0203\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"62.0391\" y=\"31.0195\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"93.0577\" y=\"31.0203\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"124.0751\" y=\"31.0203\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"155.0941\" y=\"31.0195\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"186.1121\" y=\"31.0203\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"217.1331\" y=\"31.0203\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"248.1481\" y=\"31.0195\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect y=\"62.0391\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"31.0195\" y=\"62.0391\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"62.0391\" y=\"62.0391\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"93.0585\" y=\"62.0391\" width=\"12.9245\" height=\"12.9245\"><\/rect><rect x=\"124.074\" y=\"62.0391\" 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