<?xml version="1.0" encoding="utf-8"?>
	<vdex xmlns="http://www.imsglobal.org/xsd/imsvdex_v1p0"  orderSignificant="false" language="es-ES">
	<vocabIdentifier>http://www.serbi.ula.ve/tematres/vocab/</vocabIdentifier><term><termIdentifier>http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=15144</termIdentifier><caption>CREDITO AL CONSUMIDOR</caption></term>  <relationship>      <sourceTerm>http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=15144</sourceTerm>      <targetTerm vocabIdentifier="http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=1779">CREDITO</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">BT</relationshipType>  </relationship>  <relationship>      <sourceTerm>http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=15144</sourceTerm>      <targetTerm vocabIdentifier="http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=32240">TARJETAS DE CREDITO</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">NT</relationshipType>  </relationship>  <relationship>      <sourceTerm>http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=15144</sourceTerm>      <targetTerm vocabIdentifier="http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=13698">COMPRAS A PLAZOS</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">NT</relationshipType>  </relationship>  <relationship>      <sourceTerm>http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=15144</sourceTerm>      <targetTerm vocabIdentifier="http://www.serbi.ula.ve/tematres/vocab/xml.php?skosTema=32241">Deuda del consumidor</targetTerm>      <relationshipType source="http://www.imsglobal.org/vocabularies/iso2788_relations.xml">UF</relationshipType>  </relationship></vdex>