{"id":12488,"date":"2021-10-15T09:00:18","date_gmt":"2021-10-15T14:00:18","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=12488"},"modified":"2021-10-14T22:31:00","modified_gmt":"2021-10-15T03:31:00","slug":"la-inclusion-financiera-mediante-cajas-de-ahorro-en-el-sector-rural","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/la-inclusion-financiera-mediante-cajas-de-ahorro-en-el-sector-rural\/","title":{"rendered":"La inclusi\u00f3n financiera mediante cajas de ahorro en el sector rural"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/www.eleconomista.com.mx\/__export\/1634183906166\/sites\/eleconomista\/img\/2021\/10\/13\/cnbv_zh14_x2x.jpg_328101988.jpg\" width=\"1120\" height=\"627\" class=\"aligncenter size-medium lazyload\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.eleconomista.com.mx\/__export\/1634183906166\/sites\/eleconomista\/img\/2021\/10\/13\/cnbv_zh14_x2x.jpg_328101988.jpg\" width=\"1120\" height=\"627\" class=\"aligncenter size-medium\" \/><\/noscript><\/p>\n<p>En 2020 el mundo cambi\u00f3, la pandemia del coronavirus Covid-19 nos afect\u00f3 a todos, y nuevos h\u00e1bitos se aceleraron al igual que la forma en que nos comportamos, gastamos y consumimos.<\/p>\n<p>De acuerdo con la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV), la inclusi\u00f3n financiera se define como el \u201cacceso y uso de los servicios financieros formales bajo una regulaci\u00f3n apropiada que garantice esquemas de protecci\u00f3n al consumidor y promueva la educaci\u00f3n financiera\u201d.<\/p>\n<p>Seg\u00fan la Encuesta Nacional de Inclusi\u00f3n Financiera (ENIF), el 68% de las personas adultas en M\u00e9xico alcanz\u00f3 al menos un producto financiero, sumando 2 millones de personas.<\/p>\n<p>En 2018, el 24% de las personas adultas en M\u00e9xico ten\u00eda un solo producto o servicios financiero, el 27% ten\u00eda hasta tres productos, 18% de cuatro o m\u00e1s productos.<\/p>\n<p>En cuanto al acceso al cr\u00e9dito, la poblaci\u00f3n que registr\u00f3 tener cr\u00e9dito fue de 31%, en contraste con el 29% de a\u00f1os anteriores.<\/p>\n<p>Las sociedades cooperativas de ahorro y pr\u00e9stamo (SOCAP), bajo su objeto social les permite otorgar servicios financieros a sus socios: ahorro, cr\u00e9dito, seguro entre otros.<\/p>\n<p>Las SOCAP est\u00e1n reguladas por la CNBV, lo cual da mayor certidumbre a sus socios y con su extensa red de sucursales mayoritariamente en el \u00e1rea rural donde la infraestructura bancaria es escasa.<\/p>\n<p>El modelo de negocio de las SOCAP, favorece a la inclusi\u00f3n financiera en las \u00e1reas rurales, dise\u00f1ado para facilitar a las microempresas, empresas familiares y peque\u00f1as empresas servicios financieros.<\/p>\n<p>Como parte de la banca de desarrollo, FIRA tiene m\u00e1s de 24 a\u00f1os operando con cajas de ahorro a trav\u00e9s de financiamiento y servicio de garant\u00eda a productores agropecuarios, adicionalmente se les ha proporcionado capacitaci\u00f3n, consultor\u00eda y asesor\u00eda t\u00e9cnica, contribuyendo en la profesionalizaci\u00f3n y mejoramiento de su proceso de cr\u00e9dito para sus \u00e1reas especializadas de cr\u00e9dito agropecuario y rural.<\/p>\n<p>En el estado de Nuevo Le\u00f3n, FIRA a trav\u00e9s de las SOCAP financi\u00f3 268 proyectos rentables durante todo el 2020 y para el periodo del primer semestre de 2021 se han integrado 126 proyectos financiados en particular con el programa de agricultura familiar (Proaf), en sus productores beneficiados que no han obtenido un financiamiento con FIRA.<\/p>\n<p>Los cr\u00e9ditos que FIRA otorga pueden ser orientados a capitales de trabajo y refaccionarios para nuevas inversiones fijas e incrementos de capacidades instaladas de las empresas que coadyuvan en mejoras tecnol\u00f3gicas que ahorren energ\u00eda y cuiden del medio ambiente.<\/p>\n<p>La resiliencia y adaptabilidad son las fuerzas que impulsara la inclusi\u00f3n financiera durante los siguientes a\u00f1os, por lo que las SOCAP son una excelente opci\u00f3n para fomentar la inclusi\u00f3n financiera mediante el ahorro, cr\u00e9dito y seguro entra la poblaci\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Comisi\u00f3n Nacional Bancaria y de Valores define a la la inclusi\u00f3n financiera como el \u201cacceso y uso de los servicios financieros formales bajo una regulaci\u00f3n apropiada que garantice esquemas de protecci\u00f3n al consumidor y promueva la educaci\u00f3n financiera\u201d<\/p>\n","protected":false},"author":10,"featured_media":12490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-post.php","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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