<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>11974</termId><termName>Credito (Colombia)</termName><termType>PT</termType><termCreatedDate>1993-07-13 17:56:00</termCreatedDate><relation><relationType>UF</relationType><termId>11975</termId><termName>Credito en Colombia</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>12151</termId><termName>Finanzas de Colombia</termName><termType>PT</termType></relation><relation><relationType>BT</relationType><termId>19811</termId><termName>Credito (Iberoamerica)</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>35712</termId><termName>Microcredito (Colombia)</termName><termType>PT</termType></relation></term>  </Zthes>