toggle menu
CAF
  • 14 marzo, 2018
  • CAF
  • 540
CAF

Las instituciones financieras deben tener más en cuenta a las mujeres

*Por Diana Mejía, Karina Azar, Edgar Lara, especialistas de CAF –banco de desarrollo de América Latina

Un experimento realizado en Holanda muestra que las mujeres saben menos de temas financieros que los hombres, pero saben más de lo que creen que saber.

Además, difieren con respecto a los hombres en varios puntos:

  • Las mujeres son menos seguras que los hombres respecto a sus conocimientos y habilidades, lo que se refleja en menos confianza en asuntos financieros y más aversión al riesgo.
  • Las mujeres y los hombres tienen diferentes estrategias para hacer frente a las situaciones extremas. Por ejemplo, en un contexto en el que los ingresos no son suficientes para cubrir los costos de vida, las mujeres tienden a recortar los gastos, mientras que los hombres prefieren encontrar maneras de ganar dinero extra.
  • Las mujeres tienden a ahorrar menos y, por lo tanto, a acumular menos riqueza, en un contexto donde típicamente su posición dentro del mercado laboral es más débil.
  • Las mujeres tienen menores probabilidades de ahorrar activamente a través de productos financieros.
  • Las mujeres son más propensas que los hombres a ahorrar dinero en efectivo en su casa o en clubes informales de ahorro, también son menos propensas a invertir en activos riesgosos y con mayores rendimientos.
  • Las mujeres muestran más dificultades que los hombres para elegir adecuadamente los productos financieros.

Por otra parte, según un informe que publicamos recientemente, las mujeres que son jefes del hogar tienen mejores actitudes y conductas financieras. Este segmento de mujeres tiene menos aversión al riesgo, vigila personalmente sus finanzas y es más propenso a planificar en función a metas financieras de largo plazo.

Por estas razones, se requiere de programas que ataquen estas diferencias y que se enfoquen en aumentar la autoconfianza de las mujeres. A nivel de política pública, es necesario incorporar el enfoque de género en las estrategias nacionales de educación financiera de los distintos países de América Latina que están adelantando estos esfuerzos de coordinación y cooperación entre los sectores público y privado, así como también desarrollar productos financieros que tomen en cuenta estas características, y que incluso puedan funcionar de vehículo para transmitir algunos de los conocimientos críticos para mejorar las decisiones financieras de las mujeres.

Una visión óptima de los productos financieros debería tener en cuenta un enfoque de género, de forma tal que se genere valor para las mujeres y rentabilidad para las instituciones financieras.

Existen algunas características aplicables a la mayoría de los productos financieros desarrollados por instituciones, pensando en las mujeres como grupo principal.  Algunas de estas son créditos sin aval, o garantías intangibles (joyas, familiares como garantes, mueblería, entre otros); préstamos a tasas más bajas (por ejemplo, cuando se trate de créditos para educación solicitados por madres cabeza de hogar); ampliación de los periodos de gracia; disminución de la tarifa mínima para la apertura de una cuenta de ahorro; servicios no financieros (tales como mini-MBAs, cursos de gestión y planificación de negocios).

A pesar de existir múltiples diseños de productos financieros con enfoque de género, estos deben ser complementados con una reducción de los procesos burocráticos, que garanticen flexibilidad en los requisitos y tiempos de procesamiento expeditos.

Para que el diseño de los productos financieros tenga mejores condiciones, es indispensable que su promoción se dé por medio de políticas públicas.  En este sentido, es necesario potenciar el rol de los gobiernos a través de los bancos de desarrollo para brindar condiciones diferenciadas a aquellos préstamos otorgados a instituciones financieras que a su vez los brindan a beneficiarias mujeres.

Con el objeto de potenciar la educación financiera de las mujeres e implementar productos financieros ajustados a sus necesidades, los gobiernos de la región deben mejorar sus sistemas estadísticos o de datos para poder caracterizar el desempeño de la oferta y demanda de financiamiento en términos de género. Sobre esa base se pueden diseñar políticas públicas para el desarrollo productivo, consumo, acceso a la vivienda o propiedad de activos, y así fomentar la autonomía económica de las mujeres.

El empoderamiento y la autonomía económica de las mujeres debe formar parte de la agenda de desarrollo de la región, y la inclusión financiera es uno de los medios para lograrlo. En este sentido, desde CAF –banco de desarrollo de América Latina-, hemos propuesto unas recomendaciones de política pública para ampliar las oportunidades de las mujeres.

540 Replies to “Las instituciones financieras deben tener más en cuenta a las mujeres

  1. Pingback: cheap viagra
  2. Pingback: cialis 5mg price
  3. Pingback: cialis 20mg price
  4. Pingback: viagra 100mg
  5. Pingback: cheap viagra
  6. Pingback: cialis generic
  7. Pingback: Buy cialis
  8. Pingback: levitra 20mg
  9. Pingback: cheap levitra
  10. Pingback: free slots
  11. Pingback: viagra buy
  12. Pingback: cialis pill
  13. Pingback: payday advance
  14. Pingback: installment loans
  15. Pingback: quick cash loans
  16. Pingback: viagra pills
  17. Pingback: cialis buy
  18. Pingback: real online casino
  19. Pingback: pala casino online
  20. Pingback: cialis generic
  21. Pingback: viagra jelly
  22. Pingback: 5 mg cialis
  23. Pingback: cialis internet
  24. Pingback: cialis generic
  25. Pingback: real online casino
  26. Pingback: real casino
  27. Pingback: real casino online
  28. Pingback: order viagra
  29. Pingback: cheapest viagra
  30. Pingback: buy generic viagra
  31. Pingback: viagra buy
  32. Pingback: buy cialis online
  33. Pingback: viagra price
  34. Pingback: viagra canada
  35. Pingback: discount cialis
  36. Pingback: slots real money
  37. Pingback: Air Jordan 1
  38. Pingback: free slots
  39. Pingback: Yeezy
  40. Pingback: UGG UK
  41. Pingback: Yeezy
  42. Pingback: UGGS Outlet
  43. Pingback: Timberland
  44. Pingback: Yeezy 350
  45. Pingback: Yeezy
  46. Pingback: Yeezy
  47. Pingback: Adidas Yeezy
  48. Pingback: cialis wirkung
  49. Pingback: Viagra 100 mg nz
  50. Pingback: Viagra 150mg usa
  51. Pingback: viagra cheap
  52. Pingback: cialis cost
  53. Pingback: order Cialis 20 mg
  54. Pingback: viagra for sale
  55. Pingback: buy generic viagra
  56. Pingback: Cialis 20mg price
  57. Pingback: viagra prices
  58. Pingback: cialis
  59. Pingback: order levitra 40mg
  60. Pingback: cheap lasix 40 mg
  61. Pingback: cheap propecia 1mg
  62. Pingback: viagra substitute
  63. Pingback: abilify 15mg cheap
  64. Pingback: buy viagra on line
  65. Pingback: arimidex 1mg price
  66. Pingback: avapro 300mg cost
  67. Pingback: paypal viagra
  68. Pingback: cialis dosage
  69. Pingback: Biaxin 250 mg uk
  70. Pingback: buy viagra
  71. Pingback: were to buy viagra
  72. Pingback: casodex 50 mg cost
  73. Pingback: ceclor nz
  74. Pingback: celexa pills
  75. Pingback: viagra cost
  76. Pingback: cheap cephalexin
  77. Pingback: doubleu casino
  78. Pingback: real online casino
  79. Pingback: casino game
  80. Pingback: casino world
  81. Pingback: rbc car insurance
  82. Pingback: best car insurance
  83. Pingback: gap insurance
  84. Pingback: cheap payday loans
  85. Pingback: quick loans
  86. Pingback: viagra for women
  87. Pingback: buying viagra
  88. Pingback: coupons for viagra
  89. Pingback: viagra sister
  90. Pingback: viagra or cialis
  91. Pingback: viagra pill
  92. Pingback: viagra pills uk
  93. Pingback: viagra 100 mg
  94. Pingback: us pharmacy viagra
  95. Pingback: sildenafil
  96. Pingback: reddit viagra
  97. Pingback: viagra meme
  98. Pingback: pay to do homework
  99. Pingback: atorvastatin hmg
  100. Pingback: write essay
  101. Pingback: buy essay online
  102. T2m9rv wow, awesome blog.Thanks Again. Awesome.

  103. Pingback: clomid price
  104. Pingback: clonidine generic
  105. Pingback: jodi west viagra
  106. Pingback: Viagra jelly
  107. Wonderful article! We will be linking to this particularly great post on our site. Keep up the good writing.

  108. Major thanks for the article post.Really thank you! Cool.

  109. Pingback: viagra sin receta
  110. Just discovered this blog through Bing, what a way to brighten up my year!

  111. one of our visitors just lately recommended the following website

  112. Pingback: order coumadin
  113. Its hard to find good help I am regularly saying that its hard to get quality help, but here is

  114. Im thankful for the blog post.Thanks Again. Want more.

  115. Pingback: order ddavp 10mcg
  116. Super-Duper site! I am loving it!! Will be back later to read some more. I am taking your feeds also

  117. Pingback: depakote australia
  118. Pingback: differin 15g cheap
  119. This is a great tip particularly to those new to the blogosphere. Short but very precise info Many thanks for sharing this one. A must read article!

  120. Rattling clear site, thankyou for this post.

  121. Pingback: diltiazem purchase
  122. very handful of web-sites that occur to become in depth beneath, from our point of view are undoubtedly effectively worth checking out

  123. 먹튀 dice:

    Spot on with this write-up, I absolutely feel this web site needs a

  124. Only wanna comment that you have a very decent site, I love the layout it actually stands out.

  125. Very excellent info can be found on web site.

  126. Very interesting details you have remarked, thankyou for posting. I never said most of the things I said. by Lawrence Peter Berra.

  127. Very good blog.Much thanks again. Want more.

  128. Pingback: order dramamine
  129. Really informative article post.Really thank you! Want more.

  130. Really appreciate you sharing this blog.

  131. Pingback: viagra for men
  132. more details dice:

    Very good publish, thanks a lot for sharing. Do you happen to have an RSS feed I can subscribe to?

  133. Pingback: viagra on sale
  134. Pingback: my dick on viagra
  135. Weho realtor dice:

    Pretty! This has been an incredibly wonderful article. Many thanks for providing this info.

  136. Thanks a lot for the blog article.Thanks Again. Will read on

  137. Pingback: imdur 60 mg prices
  138. Pingback: cheapest imitrex
  139. Im grateful for the blog article.Really looking forward to read more.

  140. Very informative blog article.Really looking forward to read more. Fantastic.

  141. read dice:

    Wohh exactly what I was looking for, appreciate it for posting.

  142. Way cool! Some very valid points! I appreciate you writing this post and also the rest of the site is really good.

  143. Pingback: imuran 25mg otc
  144. Pingback: sex abilify
  145. Pingback: indocin pharmacy
  146. Pingback: levaquin canada
  147. Pingback: lopressor cheap
  148. Pingback: luvox purchase
  149. Major thanks for the blog article.Thanks Again. Keep writing.

  150. optic shop dice:

    Im thankful for the blog post. Much obliged.

  151. Very good info. Lucky me I came across your blog by accident (stumbleupon). I have saved as a favorite for later!

  152. Pingback: abilify settlement
  153. Informative and precise Its difficult to find informative and precise information but here I noted

  154. Pingback: mestinon otc
  155. Pingback: atorvastatin ndc
  156. Pingback: micardis 80mg usa
  157. descubrir dice:

    It as really a cool and useful piece of information. I am glad that you shared this helpful information with us. Please keep us informed like this. Thanks for sharing.

  158. Wow, great article post.Much thanks again. Fantastic.

  159. Thanks-a-mundo for the post.Much thanks again. Much obliged.

  160. Pingback: cost of mobic 15mg
  161. Wow, awesome blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is wonderful, let alone the content!. Thanks For Your article about sex.

  162. I’а†ve recently started a site, the information you offer on this web site has helped me greatly. Thank you for all of your time & work.

  163. see dice:

    Very good blog post. I certainly love this site. Keep it up!

  164. Say, you got a nice post.Much thanks again. Will read on

  165. Pingback: periactin generic
  166. Pingback: wellbutrin for rls
  167. view website dice:

    I really liked your blog.Thanks Again. Will read on

  168. It as difficult to find educated people about this topic, but you sound like you know what you are talking about! Thanks

  169. send this information to him. Pretty sure he all have a very good

  170. Pingback: prilosec usa
  171. Pingback: buy proair inhaler
  172. pretty useful stuff, overall I believe this is really worth a bookmark, thanks

  173. Looking around While I was surfing yesterday I saw a great post about

  174. You ave made some really good points there. I looked on the web for additional information about the issue and found most individuals will go along with your views on this website.

  175. Looking forward to reading more. Great article post. Really Cool.

  176. Pingback: proscar pharmacy
  177. mine. Please shoot me an email if interested. Thank you!

  178. Utterly written articles, thanks for entropy.

  179. Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I t부산키스방
    hink that you could do with some pics to drive the message home a little bit, but other than that, this is fantastic blog. An excellent read. I’ll certainly be back.

  180. Pingback: pulmicort cost
  181. That as some inspirational stuff. Never knew that opinions might be this varied. Thanks for all the enthusiasm to supply such helpful information here.

  182. this website dice:

    superb post.Ne aer knew this, thanks for letting me know.

  183. This is a topic that as near to my heart Many thanks! Exactly where are your contact details though?

  184. Pingback: viagra free trial
  185. Pingback: pyridium coupon
  186. mVQBXS I truly appreciate this post. I ave been looking everywhere for this! Thank goodness I found it on Google. You ave made my day! Thanks again..

  187. Pingback: reglan canada
  188. Pingback: tadalafil price
  189. bola88 dice:

    Really informative article.Really thank you! Will read on

  190. Pingback: cialis black
  191. Pingback: rogaine uk
  192. Pingback: seroquel coupon
  193. Saved as a favorite, I really like your web site!

  194. There is perceptibly a bundle to realize about this. I consider you made some good points in features also.

  195. Ne aer knew this, appreciate it for letting me know.

  196. Say, you got a nice blog article.Much thanks again. Fantastic.

  197. get deal dice:

    Very interesting info !Perfect just what I was searching for! I live in company with a body, a silent companion, exacting and eternal. by Eugene Delacroix.

  198. Pingback: spiriva otc
  199. It as really a great and helpful piece of info. I am glad that you shared this helpful info with us. Please keep us up to date like this. Thank you for sharing.

  200. You can not consider simply how so much time I

  201. Tattoo Shops dice:

    Looking forward to reading more. Great article. Want more.

  202. 부달 dice:

    Usually I never comment on blogs but your article is so convincing 부달 that I never stop myself to say something about it. You’re doing a great job Man,Keep it up.

  203. Pingback: thorazine pills
  204. Your great competence and kindness in maneuvering almost everything was essential. I usually do not know what I would ave done if I had not encountered such a subject like

  205. Very good post. I absolutely appreciate this site. Stick with it!

  206. Major thankies for the blog article.Much thanks again. Really Great.

  207. I’а†ve recently started a web site, the info you provide on this site has helped me tremendously. Thank you for all of your time & work.

  208. Pingback: toprol prices
  209. Thanks again for the blog post.Really looking forward to read more. Really Great.

  210. get the deal dice:

    I truly appreciate this article post.Really looking forward to read more. Awesome.

  211. m88 dice:

    I will not talk about your competence, the write-up basically disgusting

  212. Very nice blog post. I absolutely appreciate this website. Stick with it!

  213. Muchos Gracias for your article post.Really looking forward to read more. Much obliged.

  214. Way cool! Some extremely valid points! I appreciate you penning this write-up and also the rest of the site is also very good.

  215. stříbro dice:

    pretty practical stuff, overall I consider this is worthy of a bookmark, thanks

  216. Starting with registering the domain and designing the layout.

  217. you have got an amazing blog here! would you wish to make some invite posts on my blog?

  218. Pingback: valtrex usa
  219. Thank you for another wonderful article. Where else could anyone get that kind of info in such a perfect way of writing? I have a presentation next week, and I am on the look for such info.

  220. It is in fact a cool and beneficial piece of details. I am content which you just shared this practical information and facts with us. Please retain us informed like this. Thank you for sharing.

  221. Pingback: voltaren australia
  222. Some genuinely quality content on this web site , saved to my bookmarks.

  223. I wanted to thank you for this fantastic write-up, I definitely loved every little bit of it. I ave bookmarked your web site to look at the latest stuff you post.

  224. iptv box dice:

    Would you be thinking about exchanging hyperlinks?

  225. ZQ220 dice:

    Major thankies for the blog article. Fantastic.

  226. Thanks-a-mundo for the post.Much thanks again. Much obliged.

  227. Best Website dice:

    keep it up! I all go ahead and bookmark your site to come back later. Cheers

  228. Pingback: see this
  229. Pretty! This was an incredibly wonderful post. Many thanks for supplying this information.

  230. It as unbreakable to attain knowledgeable nation proceeding this topic however you sound in the vein of you know what you are talking about! Thanks

  231. This website was how do you say it? Relevant!! Finally I have found something that helped me. Thanks!

  232. Pingback: how to buy zocor
  233. Thanks, Your post Comfortably, the article

  234. Pingback: zovirax generic
  235. IE still is the marketplace chief and a huge section of other

  236. You are my intake , I possess few blogs and very sporadically run out from to brand.

  237. recommend to my friends. I am confident they all be benefited from this site.

  238. Thank you ever so for you blog post.Much thanks again. Really Great.

  239. maha168 dice:

    Many thanks for sharing this first-class write-up. Very interesting ideas! (as always, btw)

  240. I truly love your blog.. Excellent colors & theme.

  241. Thanks so much for the post.Much thanks again. Great.

  242. Im thankful for the blog.Really looking forward to read more. Much obliged.

  243. click here dice:

    Way cool! Some extremely valid points! I appreciate you writing this post and the rest of the site is very god.

  244. Im obliged for the article post. Fantastic.

  245. There as noticeably a bundle to know about this. I presume you made sure good factors in options also.

  246. Pingback: zyprexa price
  247. This particular blog is no doubt cool and diverting. I have discovered helluva interesting advices out of this amazing blog. I ad love to return over and over again. Thanks!

  248. IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžm a extended time watcher and I just thought IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžd drop by and say hi there there for your quite initially time.

  249. Really enjoyed this article.Really looking forward to read more. Really Great.

  250. indeed, analysis is paying off. sure, study is paying off. Take pleasure in the entry you given.. sure, research is paying off.

  251. Pingback: zyvox coupon
  252. PCCC dice:

    Loving the info on this web site, you ave got done outstanding job on the content.

  253. Websites we recommend Wow, superb blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is excellent, as well as the content!

  254. I truly appreciate this blog post.Really thank you! Will read on

  255. Way cool! Some very valid points! I appreciate you penning this write-up and the rest of the website is extremely good.

  256. Pingback: cheap sildenafil
  257. These challenges can be uncomplicated to choose treatment of if you see your dentist swift.

  258. your blog posts. After all I all be subscribing for your feed and I am hoping you write again very soon!

  259. Im thankful for the blog article.Really thank you! Really Cool.

  260. Thanks for the article post.Really looking forward to read more. Want more.

  261. click aqui dice:

    This very blog is obviously awesome and diverting. I have found a lot of interesting tips out of this blog. I ad love to go back over and over again. Thanks a lot!

  262. There is perceptibly a bundle to realize about this. I assume you made various good points in features also.

  263. Touche. Sound arguments. Keep up the good work.

  264. Lea margot horoscope tarot de marseille gratuit divinatoire

  265. I will immediately seize your rss as I can not find your e-mail subscription hyperlink or e-newsletter service. Do you have any? Please permit me realize in order that I may just subscribe. Thanks.

  266. Pingback: escitalopram price
  267. Looking forward to reading more. Great article post.Thanks Again. Really Cool.

  268. This is one awesome blog article.Really thank you! Much obliged.

  269. Thank you ever so for you post.Much thanks again. Awesome.

  270. dewatogel dice:

    There is clearly a bunch to realize about this. I think you made certain nice points in features also.

  271. You have made some good points there. I checked on the net for additional information about the issue and found most individuals will go along with your views on this web site.

  272. Pingback: fexofenadine cost
  273. Thanks, I have been hunting for details about this subject for ages and yours is the best I ave found so far.

  274. Wow, incredible weblog structure! How long have you been running a blog for? you made running a blog look easy. The overall look of your web site is wonderful, let alone the content material!

  275. Major thankies for the post.Much thanks again. Awesome.

  276. Precisely what I was looking for, appreciate it for posting.

  277. It was really informative. Your site is extremely helpful.

  278. Wonderful blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I ave been trying for a while but I never seem to get there! Many thanks

  279. wordpress dice:

    you have done a excellent task on this topic!

  280. earth2 dice:

    Say, you got a nice post.Really looking forward to read more. Will read on

  281. Tattoo dice:

    Say, you got a nice blog article.Thanks Again. Want more.

  282. Pingback: leflunomide usa
  283. Very good article.Much thanks again. Want more.

  284. Pingback: anastrozole online
  285. You are so cool! I don’t believe I have read through a single thing

  286. Regards for helping out, good info. Our individual lives cannot, generally, be works of art unless the social order is also. by Charles Horton Cooley.

  287. brujosnearme dice:

    Its hard to find good help I am forever saying that its hard to procure quality help, but here is

  288. Wow, great article post.Much thanks again. Cool.

  289. Pingback: dutasteride usa
  290. m88asia dice:

    Thanks for sharing, this is a fantastic post.Really thank you! Will read on

  291. There as definately a great deal to learn about this subject. I like all of the points you made.

  292. My brother suggested I might like this blog. He was entirely right. This post truly made my day. You cann at imagine simply how much time I had spent for this information! Thanks!

  293. Pingback: buy buspirone 5mg
  294. animal porn dice:

    Thank you for your article post. Will read on

  295. There is apparently a bundle to identify about this. I suppose you made various nice points in features also.

  296. you may have a terrific blog here! would you like to make some invite posts on my blog?

  297. Wonderful article! We are linking to this great

  298. gomovies dice:

    Muchos Gracias for your article.Really looking forward to read more.

  299. This is one awesome blog article.Really thank you! Want more.

  300. Pingback: ciprofloxacin cost
  301. Your means of telling all in this article is really nice, all be capable of without difficulty know it, Thanks a lot.

  302. I truly appreciate this post. I?ve been looking all over for this! Thank goodness I found it on Bing. You ave made my day! Thx again

  303. Pingback: loratadine cheap
  304. You need to take part in a contest for the most effective blogs on the web. I will suggest this website!

  305. Pingback: clindamycin online
  306. This is one awesome article.Really thank you! Cool.

Deja una respuesta

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *