Desde 1924 se celebra el 31 de octubre como el Día Mundial del Ahorro con la intención de hacer conciencia sobre la importancia de este hábito. Sería muy bueno que todos pudiéramos ahorrar algún dinero mensualmente. ¿Pero será mejor ahorrarlo en dólares o en su moneda local?
Recientemente la Superintendencia General de Entidades Financiaras (SUGEF) en Costa Rica, demostró preocupación por el aumento significativo de préstamos en dólares durante los últimos cuatro años. Según datos de la entidad, la cifra se ha triplicado desde el 2010 en el país. ¿Aplica esta preocupación para los ahorros también?
Sí y no. Para préstamos lo ideal es que si se gana en dólares se pide prestado en dólares y si se gana en moneda local lo mejor es pedir préstamos en esa moneda. El consumidor que obtiene préstamos en dólares debe tomar en cuenta el riesgo cambiario y la experiencia de la entidad financiera con la que hace negocios. La decisión de en qué moneda ahorrar no necesariamente se toma con base en la moneda en que se gana sino en para qué son los ahorros. Si son para dar la prima de una casa o un auto, se debe tener en cuenta en qué moneda venden la casa o el auto. Por otra parte, si el histórico del país demuestra que la moneda local es estable no tiene por qué cambiarse a dólares; mientras que si el dólar es una moneda que sube su valor se puede considerar ahorrar en dólares.
El informe Horizontes del desarrollo mundial (GDH, por sus siglas en inglés), desarrollado por el Banco Mundial, señala algo obvio: que los hogares más pobres, tienden a ahorrar mucho menos. Pero también señala que las mejoras en la capacidad de generar ingresos, la cultura del ahorro y la menor desigualdad, son factores que tienen el potencial de romper las trampas de la pobreza perpetuadas por el bajo nivel de ahorro de los hogares pobres. Por ello lograr que aunque sea muy poco el ahorro que puedan hacer las personas desfavorecidas económicamente puede ayudarles a tener un mejor futuro.
Todos los días deberíamos celebrar el Día Mundial del Ahorro poniendo en práctica las buenas costumbres de este hábito.
Gabriel Pascual,
Director de MasterCard para Costa Rica,
Guatemala y Honduras
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