*Diana Mejía, experta en inclusión financiera de CAF –banco de desarrollo de América Latina
En las últimas dos décadas se ha hecho mucho énfasis en la importancia de la inclusión financiera para el desarrollo de los países, es decir, cómo el acceso, el uso y la calidad de los productos financieros impactan en el bienestar de familias y empresas.
No fue sino hasta principios de la década del 2000 cuando el tema del acceso a servicios financieros empezó a tener una enorme relevancia como objetivo común en las agendas de los países que conforman el G20, gobiernos, ministerios de hacienda, organismos internacionales y bancos centrales, entre otros.
Las razones se pueden resumir en las siguientes:
Es entonces cuando el problema del acceso a los servicios financieros comienza a recogerse en un concepto más amplio y multidimensional: la inclusión financiera.
América Latina ha logrado avances muy importantes en este terreno, como lo refleja el aumento sostenido en indicadores de oferta como el número de sucursales y corresponsales bancarios, número de cuentas en instituciones financieras formales, cantidad de cajeros electrónicos, entre otros. No obstante, el uso de estos productos y servicios financieros continúa siendo limitado, en parte debido al bajo nivel de educación financiera de la población, tal como lo evidencian los resultados de las encuestas de medición de capacidades financieras realizadas por CAF –banco de desarrollo de América Latina- en varios países de la región como Argentina, Bolivia, Chile, Colombia, Ecuador, Perú y próximamente Paraguay. Estas encuestas tienen como objetivo realizar un diagnóstico que permita identificar los conocimientos, habilidades, actitudes y comportamientos de los individuos con relación a los temas financieros.
La globalización y los avances tecnológicos de los últimos años han complejizado y multiplicado el número de productos y servicios financieros disponibles, aumentando la necesidad de que los ciudadanos tengan un conocimiento que les permita tomar buenas decisiones económicas y financieras.
Una de las lecciones más relevantes que se puede extraer de la crisis financiera internacional de 2008 es el desconocimiento y desinformación de gran parte de la población sobre temas básicos en economía y finanzas, lo cual limita su capacidad para tomar decisiones responsables, conscientes y competentes. Para CAF, la educación financiera es crítica para la inclusión, pues no solo facilita el uso efectivo de los productos financieros, sino que también ayuda a que las personas desarrollen las habilidades para comparar y seleccionar aquellos que mejor se adaptan a sus necesidades y posibilidades.
Como vemos en la Tabla 1, existen diferencias importantes por países en cuanto al nivel de educación financiera. Por ejemplo, Argentina muestra el índice más bajo de educación financiera, ubicándose en el último lugar en conocimiento, actitudes y comportamiento financiero. Por otro lado Chile aparece en el primer lugar del ranking empujado fundamentalmente por un alto nivel del indicador de comportamiento.
La información sobre educación financiera se puede desagregar por características sociodemográficas de las familias, particularmente de género, ámbito geográfico, nivel educativo y de ingresos. Con relación a género (gráfico 1), es interesante notar que, a excepción de Argentina, Bolivia y Chile que muestran brechas de género reducidas (entre 1 y 3 puntos porcentuales), en los demás países se evidencian brechas mucho más amplias que oscilan entre los 5 puntos porcentuales en el caso de Ecuador a los 11 puntos porcentuales, como es el caso del Perú. Con respecto al ámbito geográfico (gráfico 2), se observa una marcada diferencia en las capacidades financieras entre los pobladores urbanos y los rurales en todos los 6 países. Finalmente, en la mayoría de los aspectos estudiados, la educación y los niveles de ingreso marcan las diferencias más importantes (ver gráfico 3 y 4).
Fuente: encuestas de capacidades financieras CAF http://scioteca.caf.com/handle/123456789/740
Estos resultados permiten identificar importantes implicaciones de política pública:
Esta información constituye un valioso aporte para los hacedores de políticas públicas y sirven de línea de base para la implementación de programas de educación financiera que redunden en mejores decisiones financieras por parte de la población y, por tanto, en impactos positivos en su bienestar.
2olaAv Im grateful for the post.Really thank you!
You in fact dealt with several engaging items in this post. I came across it by employing Bing and IaаАабТТаЂааАабТТаБТve got to admit that I am now subscribed to your site, it really is very decent (:
Nice blog here! Also your website loads up very fast! What web host are you using? Can I get your affiliate link to your host? I wish my web site loaded up as quickly as yours lol
It as nearly impossible to find knowledgeable people in this particular topic, however, you sound like you know what you are talking about! Thanks
Wow, incredible blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is great, let alone the content!
Of course, what a fantastic blog and instructive posts, I surely will bookmark your site.Best Regards!
Sweet blog! I found it while searching on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I ave been trying for a while but I never seem to get there! Appreciate it
Well I sincerely liked reading it. This tip procured by you is very useful for correct planning.
Your style is unique in comparison to other people I ave read stuff from. Many thanks for posting when you have the opportunity, Guess I all just book mark this blog.
This is one awesome post.Thanks Again. Awesome.
I went over this website and I believe you have a lot of good information, bookmarked (:.
just beneath, are a lot of completely not connected websites to ours, on the other hand, they are certainly worth going over
wow, awesome post.Really looking forward to read more.
Wow! Thank you! I always wanted to write on my site something like that. Can I include a portion of your post to my blog?
I was suggested this blog by my cousin. I am not sure whether this post is written by him as nobody else know such detailed about my trouble. You are incredible! Thanks!
Wonderful work! This is the type of information that should be shared around the web. Shame on the search engines for not positioning this post higher! Come on over and visit my web site. Thanks =)
pretty handy material, overall I feel this is worthy of a bookmark, thanks
There is evidently a lot to know about this. I feel you made various good points in features also.
you have got an amazing blog here! would you wish to make some invite posts on my blog?
You must take part in a contest for among the best blogs on the web. I will advocate this website!
Thanks for sharing, it is a fantastic post.Significantly thanks yet again. Definitely Great.
Woh I love your posts, saved to my bookmarks!.
Youth rock band Ranetki says thank you for such a wonderful blog..!
This is my first time go to see at here and i am in fact impressed to read everthing at single place.
Normally I do not learn article on blogs, however I would like to say that this write-up very compelled me to try and do so! Your writing taste has been amazed me. Thank you, quite great article.
Informative article, just what I needed.
Thank you ever so for you post.Really looking forward to read more. Much obliged.
your website, how can i subscribe for a weblog web site? The account helped me a acceptable deal. I had been tiny
Some genuinely fantastic blog posts on this website , thanks for contribution.
magnificent points altogether, you just gained a new reader. What would you suggest about your post that you made some days ago? Any positive?
I really liked your blog article.Really looking forward to read more.
Muchos Gracias for your blog article.Much thanks again. Fantastic.
I think other web-site proprietors should take this site as an model, very clean and wonderful user friendly style and design, as well as the content. You are an expert in this topic!
I value the blog post.Much thanks again. Cool.
site theme. a tones way for your client to communicate. Nice task.
Wow, great blog post.Thanks Again. Keep writing.
I think you have mentioned some very interesting details , regards for the post.
Thanks-a-mundo for the article.Much thanks again. Really Cool.
you could have an amazing blog here! would you prefer to make some invite posts on my blog?
Nice blog here! Also your website loads up fast! What host are you using? Can I get your affiliate link to your host? I wish my site loaded up as fast as yours lol
So cool The information mentioned in the article are some of the best available
Really appreciate you sharing this blog.Much thanks again.
I see something genuinely interesting about your website so I bookmarked.
Some truly interesting info , well written and broadly user friendly.
Pretty! This has been a really wonderful article. Thank you for supplying this information.
Wow! Thank anyone! I always wanted to write in my blog something similar to that. Can My spouse and i implement a part of your submit to my own site?
pretty helpful stuff, overall I think this is worthy of a bookmark, thanks
you offer guest writers to write content for you?
Looking forward to reading more. Great article.Really thank you! Awesome.
Valuable info. Lucky me I found your website by accident, and I am shocked why this accident did not happened earlier! I bookmarked it.
slot machine gratis gallina dalle uova d aoro
Im no expert, but I think you just crafted a very good point point. You definitely understand what youre talking about, and I can truly get behind that. Thanks for being so upfront and so truthful.
one is getting more from this site, and your views are nice in favor of new viewers.
Wow, what a video it is! Really fastidious quality video, the lesson given in this video is actually informative.
Say, you got a nice post.Really thank you! Really Great.
to say cheers for a marvelous post and a all round interesting blog (I
you all find lots of superior family resorts that you can come across both online and offline, some are pretty cheap also..
Peculiar article, totally what I needed.
more at Voice of America (blog). Filed Under:
Thank you for your post.Really looking forward to read more. Keep writing.
What as up everybody, here every person is sharing these kinds of experience, therefore it as pleasant to read this webpage, and I used to visit this web site daily.
Very interesting points you have mentioned, regards for putting up.
Major thankies for the post.Really thank you! Awesome.
Too many times I passed over this link, and that was a tragedy. I am glad I will be back!
Very good blog.Really looking forward to read more. Really Cool.
I truly appreciate this post. I have been looking all over for this! Thank God I found it on Google. You ave made my day! Thanks again.
This excellent website truly has all of the information I needed about this subject and didn at know who to ask.
This is one awesome article. Keep writing.
Very neat article post.Really looking forward to read more. Cool.
This blog is really awesome and besides informative. I have chosen helluva helpful stuff out of it. I ad love to go back again and again. Thanks!
Im obliged for your blog. Much many thanks. Keep beginner as guide to.
I think you have mentioned some very interesting details , regards for the post.
The most effective and clear News and why it means quite a bit.
Say, you got a nice blog post.Thanks Again. Great.
You have brought up a very wonderful points , thankyou for the post.
on this blog loading? I am trying to determine if its a problem on my end or if it as the blog.
This is my first time go to see at here and i am truly impressed to read all at one place.
Wow, this piece of writing is fastidious, my sister is analyzing these kinds of things, thus I am going to tell her.
Some genuinely fantastic posts on this internet site , regards for contribution.
Wow, this paragraph is fastidious, my sister is analyzing such things, thus I am going to convey her.
Wonderful article! We will be linking to this particularly great post on our site. Keep up the great writing.
You might have an incredibly great layout for the blog i want it to use on my web site too
We stumbled over here by a different page and thought I might check things out. I like what I see so i am just following you. Look forward to exploring your web page again.
Looking forward to reading more. Great blog.Really thank you! Want more.
we ad like work out extra techniques in this regard,
Magnificent web site. Plenty of helpful information here. I am sending it to several buddies ans also sharing in delicious. And certainly, thanks for your sweat!
Stunning story there. What occurred after? Take care!
unwell unquestionably come further formerly again since exactly the same nearly a lot often inside case you shield this increase.
Simply a smiling visitant here to share the love (:, btw great design. Make the most of your regrets. To regret deeply is to live afresh. by Henry David Thoreau.
Its like you read my mind! You seem to know a lot about this, like you wrote
Some truly great content on this internet site , thanks for contribution.
It as not that I want to copy your web site, but I really like the design and style. Could you tell me which theme are you using? Or was it custom made?
Very good information. Lucky me I recently found your blog by chance (stumbleupon). I ave saved as a favorite for later!
Thanks for sharing, this is a fantastic article.Really looking forward to read more. Cool.
This page certainly has all the info I needed concerning this subject and didn at know who to ask.
Pretty! This was an incredibly wonderful article. Many thanks for supplying this information.
Some truly quality articles on this site, saved to bookmarks.
rvBkEz Really informative article post.Really thank you! Want more.
What as up, just wanted to mention, I liked this blog post. It was funny. Keep on posting!
My brother suggested I might like this web site. He was totally right. This post actually made my day. You can not imagine just how much time I had spent for this info! Thanks!
Thanks for sharing, this is a fantastic article.Much thanks again. Really Cool.
This blog was how do you say it? Relevant!! Finally I have found something that helped me. Thanks a lot!
Your style is so unique in comparison to other folks I ave read stuff from. Thank you for posting when you ave got the opportunity, Guess I all just bookmark this web site.
You made some clear points there. I did a search on the issue and found most persons will consent with your website.
Looking forward to reading more. Great article.Much thanks again. Much obliged.
Wow, awesome blog layout! How lengthy have you been blogging for? you make blogging glance easy. The full glance of your web site is magnificent, let alone the content!
Studying this write-up the donate of your time
plumbing can actually be a hardwork specially if you usually are not very skillfull in undertaking residence plumbing::
Very good article post.Really thank you!
This web site truly has all the info I needed concerning this subject and didn at know who to ask.
seeking extra of your magnificent post. Also, I ave shared your web site in my social networks
wow, awesome blog.Really looking forward to read more. Keep writing.
There is evidently a bunch to realize about this. I consider you made various nice points in features also.
You produced some decent factors there. I looked on the internet for the dilemma and located most individuals will go along with together with your site.
This blog was how do I say it? Relevant!! Finally I ave found something which helped me. Thanks a lot.
we are working with plastic kitchen faucets at household simply because they are very cheap and also you can quickly replace them if they broke
Well I definitely enjoyed reading it. This subject provided by you is very useful for accurate planning.
What as up, I log on to your blog on a regular basis. Your story-telling style is witty, keep it up!
That will be the end of this article. Here you
Major thanks for the article post.Thanks Again. Much obliged.
Wow! This could be one particular of the most beneficial blogs We have ever arrive across on this subject. Basically Wonderful. I am also a specialist in this topic so I can understand your effort.
The account helped me a appropriate deal. I have been tiny bit acquainted
Very good article.Much thanks again. Much obliged.
Usually I do not learn article on blogs, however I wish to say that this write-up very pressured me to take a look at and do it! Your writing taste has been surprised me. Thanks, very great article.
Terrific Post.thanks for share..much more wait..
Thanks-a-mundo for the blog post.Thanks Again. Will read on
wonderful points altogether, you simply won a new reader. What might you suggest in regards to your submit that you just made some days ago? Any sure?
I was suggested this web site by my cousin. I am not sure whether this post is written by him as nobody else know such detailed about my trouble. You are amazing! Thanks!
Major thanks for the blog article.Really thank you!
Look complex to more introduced agreeable from you!
IaаАабТТаЂааАабТТаБТm a extended time watcher and I just believed IaаАабТТаЂааАабТТаБТd drop by and say hi there there for your extremely initially time.
You ave got the most impressive webpages.|
I truly appreciate this post. I have been looking all over for this! Thank goodness I found it on Bing. You have made my day! Thank you again
Nice blog here! Also your web site loads up fast!
Major thankies for the blog article.Really looking forward to read more. Fantastic.
Inspiring story there. What happened after? Thanks!
Im thankful for the blog.Thanks Again. Much obliged.
Thank you for sharing your thoughts. I really appreciate your efforts and I will be waiting for your next post thanks once again.
Very good blog article.Much thanks again. Cool.
Very nice post. I just stumbled upon your weblog and wished to say that I have truly enjoyed browsing your blog posts. After all I all be subscribing to your rss feed and I hope you write again soon!
Im no expert, but I suppose you just crafted the best point. You undoubtedly understand what youre talking about, and I can really get behind that. Thanks for staying so upfront and so genuine.
Thanks so much for the blog post.Much thanks again. Fantastic.
It as hard to find knowledgeable people in this particular topic, however, you sound like you know what you are talking about! Thanks
shannonvine.com Shannon Vine Photography Blog
Sex video arabe gratuit meilleure film porno
You made some decent points there. I did a search on the subject matter and found most guys will go along with with your site.
Some truly good content on this internet site , thanks for contribution.
Wow! Thank you! I permanently needed to write on my site something like that. Can I implement a part of your post to my blog?
There is clearly a lot to know about this. I assume you made various good points in features also.
very nice publish, i actually love this web site, carry on it