<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>14059964</termId><termName>finanzas</termName><termType>PT</termType><termNote><![CDATA[ Rama de la economía concerniente al manejo o el uso de fondos y créditos por parte de un gobierno, negocio o individuo. ]]></termNote><termCreatedDate>2026-03-30 20:25:45</termCreatedDate><relation><relationType>BT</relationType><termId>14053917</termId><termName>economía</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>14071113</termId><termName>finanzas municipales</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>14071116</termId><termName>public finance (traducció pendent)</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>14071117</termId><termName>microfinance (traducció pendent)</termName><termType>PT</termType></relation></term>  </Zthes>