{"id":714,"date":"2023-08-10T14:42:24","date_gmt":"2023-08-10T14:42:24","guid":{"rendered":"https:\/\/npconsultores.com.ar\/?p=714"},"modified":"2023-09-13T14:50:01","modified_gmt":"2023-09-13T14:50:01","slug":"educacion-o-inclusion-financiera","status":"publish","type":"post","link":"https:\/\/npconsultores.com.ar\/en\/educacion-o-inclusion-financiera\/","title":{"rendered":"\u00bfEducaci\u00f3n o Inclusi\u00f3n Financiera?"},"content":{"rendered":"

Hablemos primero de educaci\u00f3n financiera.<\/strong><\/h2>\n\n\n\n

Sin duda la tarea m\u00e1s importante que puede tener un coach o asesor financiero<\/strong> es la de orientar y guiar a las personas, familias y empresas en la construcci\u00f3n de finanzas saludables<\/strong>, en pos de alcanzar sus objetivos de corto, mediano y largo plazo, sin dejar de lado la previsi\u00f3n financiera ante los imponderables que pueden ocurrir a lo largo de la vida y que, en caso de no estar previstos, pueden frustrar e incluso impedir el cumplimiento de esas metas.<\/p>\n\n\n\n

Uno de los primeros obst\u00e1culos que encontramos es la falta de educaci\u00f3n financiera<\/strong>, materia que como ya sabemos en Argentina no est\u00e1 incluida en la curr\u00edcula educativa de ninguno de los tres niveles de ense\u00f1anza. <\/p>\n\n\n\n

\n

\u201cLos problemas de dinero no se solucionan con m\u00e1s dinero, sino con educaci\u00f3n financiera\u201d<\/strong>.<\/p>\n\n\n\n

<\/p>\nRobert Kiyosaki<\/cite><\/blockquote>\n\n\n\n

Es decir, debemos tambi\u00e9n tener un rol de educadores que contribuya a incluir financieramente a cada vez m\u00e1s personas, para que puedan ser protagonistas de su vida y de sus emprendimientos tomando decisiones de forma informada y acertada.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u00bfCu\u00e1l es el estado de la educaci\u00f3n financiera en nuestro pa\u00eds?<\/strong><\/h3>\n\n\n\n

De acuerdo a los datos de encuestas de medici\u00f3n de capacidades financieras en la Argentina, realizadas por el Banco Central de la Rep\u00fablica Argentina y el CAF (Banco de Desarrollo de Am\u00e9rica Latina), el conocimiento de los productos financieros b\u00e1sicos \u2013 como ser tarjetas de cr\u00e9dito, d\u00e9bito y dep\u00f3sitos en cajas de ahorro \u2013 es bastante extendido. Por otra parte, si bien el 73% de los argentinos encuestados tiene conocimientos sobre los dep\u00f3sitos a plazo fijo, no ocurre lo mismo con herramientas m\u00e1s sofisticadas como ser inversiones en fondos comunes de inversi\u00f3n, en t\u00edtulos p\u00fablicos o los aportes a fondos privados de retiro, entre otros.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

Del gr\u00e1fico precedente podemos observar claramente que no solo mientras m\u00e1s sofisticados son los productos financieros menor es el porcentaje de la poblaci\u00f3n que ha o\u00eddo hablar sobre ellos, sino que los productos que m\u00e1s conoce la poblaci\u00f3n son los vinculados al consumo, a su financiamiento o inversiones tradicionales y conservadoras.<\/p>\n\n\n\n

\n
\n
\n
\"\"<\/figure>\n\n\n\n
\"\"<\/figure>\n<\/figure>\n<\/div>\n<\/div>\n\n\n\n

<\/p>\n\n\n\n

Inclusi\u00f3n y educaci\u00f3n financiera van de la mano.<\/strong><\/p>\n\n\n\n

Aunque el surgimiento de las billeteras digitales acerc\u00f3 y alent\u00f3 a las personas a conocer m\u00e1s respecto al uso del dinero<\/mark><\/a> y al ahorro todav\u00eda queda mucho por recorrer en cuanto al camino financiero.<\/p>\n\n\n\n

En NP vemos a la educaci\u00f3n financiera como una herramienta para promover la confianza, el crecimiento, estabilidad econ\u00f3mica  y para fomentar el acceso y uso de productos financieros en el sistema formal, y por lo tanto, avanzar en una <\/mark>inclusi\u00f3n financiera responsable.<\/mark><\/a><\/p>\n\n\n\n

\u00bfConsider\u00e1s que est\u00e1s educado financieramente? \u00a1Vamos por tu<\/strong> inclusi\u00f3n!<\/p>\n\n\n\n

Contactanos<\/mark><\/a> y te contamos c\u00f3mo juntos podemos lograrla.<\/p>\n\n\n\n

Si te gust\u00f3 el art\u00edculo compartilo.<\/p>","protected":false},"excerpt":{"rendered":"

Hablemos primero de educaci\u00f3n financiera. Sin duda la tarea m\u00e1s importante que puede tener un coach o asesor financiero es la de orientar y guiar a las personas, familias y…<\/p>","protected":false},"author":7,"featured_media":718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[10,12,11],"class_list":["post-714","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actualidad","tag-educacion-financiera","tag-finanzas","tag-inclusion-financiera"],"yoast_head":"\n\u00bfEducaci\u00f3n o Inclusi\u00f3n Financiera?<\/title>\n<meta name=\"description\" content=\"La tarea m\u00e1s importante de un asesor financiero es la de guiar a las personas, familias y empresas en la construcci\u00f3n de finanzas saludables.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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