<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>9453</termId><termName>Acceso al crédito</termName><termType>PT</termType><termLanguage>es</termLanguage><termVocabulary>Tesauro en Derechos Humanos y Conflicto Armado Colombiano</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>Acceso al crédito</termSortkey><termCreatedDate>2025-12-13 09:07:32</termCreatedDate><relation><relationType>UF</relationType><termId>9454</termId><termName>Acceso a financiamiento</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>9455</termId><termName>Acceso a préstamos</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>8099</termId><termName>Inclusión financiera</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>9309</termId><termName>Autonomía económica</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>1463</termId><termName>Generación de empleo</termName><termType>PT</termType></relation></term>  </Zthes>