{"id":16916,"date":"2022-09-19T09:00:23","date_gmt":"2022-09-19T14:00:23","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=16916"},"modified":"2022-09-14T11:46:51","modified_gmt":"2022-09-14T16:46:51","slug":"bono-social-de-inclusion-financiera-de-fira","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/bono-social-de-inclusion-financiera-de-fira\/","title":{"rendered":"Bono social de inclusi\u00f3n financiera de FIRA"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/www.eleconomista.com.mx\/__export\/1663119529459\/sites\/eleconomista\/img\/2022\/09\/13\/campo_afp.jpg_185051853.jpg\" width=\"1200\" height=\"720\" class=\"aligncenter size-medium lazyload\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.eleconomista.com.mx\/__export\/1663119529459\/sites\/eleconomista\/img\/2022\/09\/13\/campo_afp.jpg_185051853.jpg\" width=\"1200\" height=\"720\" class=\"aligncenter size-medium\" \/><\/noscript><\/p>\n<p>El sector financiero ha desarrollado instrumentos novedosos que permiten obtener recursos para financiar proyectos asociados a los ODS, tales como bonos verdes, sociales y sostenibles (incluyen los dos aspectos).<\/p>\n<p>M\u00e9xico, al igual que el resto de los pa\u00edses que suscribieron la agenda 2030, reconoci\u00f3 la importancia de trabajar en temas prioritarios de inclusi\u00f3n econ\u00f3mica y social, pobreza, igualdad de g\u00e9nero y empoderamiento de la mujer, as\u00ed como la conservaci\u00f3n de la biodiversidad, por lo que se comprometi\u00f3 a establecer e incorporar acciones en sus planes nacionales y sectoriales de desarrollo.<\/p>\n<p>Este tema es hoy en d\u00eda una preocupaci\u00f3n global que ha llevado a m\u00e1s de 70 pa\u00edses, incluido M\u00e9xico, a establecer una pol\u00edtica nacional espec\u00edfica que tiene por objetivo implementar y lograr a trav\u00e9s de la inclusi\u00f3n financiera el acceso y uso de servicios financieros formales bajo una regulaci\u00f3n apropiada que garantice esquemas de protecci\u00f3n al consumidor y promover las competencias econ\u00f3mico-financieras.<\/p>\n<p>Su importancia radica en que se contribuye al desarrollo econ\u00f3mico y bienestar de las personas y empresas, que son los objetivos que se persiguen no solo en el \u00e1mbito nacional, como lo refleja el Plan Nacional de Desarrollo actual, sino en el internacional ya que forman parte de los ODS.<\/p>\n<p>En el caso de nuestro pa\u00eds, es innegable que a\u00fan queda mucho por hacer dado que se observan rezagos en m\u00faltiples dimensiones como son la tenencia y uso de diversos productos financieros, el acceso desigual entre hombres y mujeres, por regi\u00f3n del pa\u00eds, as\u00ed como en el \u00e1mbito en que se realizan mostrando una diferencia considerable entre la ciudad y el medio rural, donde el cr\u00e9dito informal sigue siendo la primera opci\u00f3n para muchas unidades productivas.<\/p>\n<p>Los Fideicomisos Instituidos en Relaci\u00f3n con la Agricultura (FIRA), en su papel de instituci\u00f3n financiera de desarrollo tiene entre uno de sus objetivos prioritarios el fomentar la inclusi\u00f3n financiera y abatir las barreras de acceso a servicios financieros, hecho que se confirma en su Programa de medio plazo 2020-2024.<\/p>\n<p>Con base en la experiencia generada en diversas emisiones tem\u00e1ticas y con el apoyo de la Corporaci\u00f3n Andina de Fomento (CAF), el pasado 18 de mayo FIRA emiti\u00f3 el primer Bono Social de Inclusi\u00f3n Financiera (BSIF) por 3,920 millones de pesos, los cuales se utilizar\u00e1n para otorgar financiamiento a proyectos productivos de micro, peque\u00f1os y medianos productores que no cuentan o tienen acceso limitado al financiamiento formal, en particular en municipios con muy alta marginaci\u00f3n.<\/p>\n<p>Se espera que los recursos captados por el bono puedan beneficiar a aproximadamente 35,000 acreditados finales por medio de programas dise\u00f1ados para la poblaci\u00f3n rural de bajos ingresos y que apoyan el desarrollo de sus capacidades. El Financiamiento se canalizar\u00e1 a trav\u00e9s de una red de intermediarios financieros (tanto bancarios, como no bancarios) que operan e impactar\u00e1 en la inclusi\u00f3n financiera en las categor\u00edas de: acceso y uso de productos y servicios financieros, e intermediarios financieros que contribuyan a disminuir las barreras para dicha inclusi\u00f3n.<\/p>\n<p>La red de intermediarios mencionada tiene un alcance de servicios financieros en 85% de los municipios de alta marginaci\u00f3n o con escasa infraestructura financiera del pa\u00eds.<\/p>\n<p>La emisi\u00f3n de este bono social refleja el compromiso de FIRA con la agenda 2030 de la ONU y refuerza las estrategias para avanzar hacia una mayor inclusi\u00f3n financiera en las zonas rurales de M\u00e9xico, siendo un mecanismo para aumentar el acceso al cr\u00e9dito para mejorar el bienestar de la poblaci\u00f3n rural.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El lanzamiento de los Objetivos de Desarrollo Sostenible (ODS) por parte de la Organizaci\u00f3n de las Naciones Unidas en 2015, fue un hito que permiti\u00f3 unir al mundo en una agenda com\u00fan para acabar con la pobreza, proteger al planeta y asegurar la prosperidad para todos hacia el 2030 (ONU, 2020).<\/p>\n","protected":false},"author":10,"featured_media":16918,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_mbp_gutenberg_autopost":false,"fifu_image_url":"https:\/\/www.eleconomista.com.mx\/__export\/1663119529459\/sites\/eleconomista\/img\/2022\/09\/13\/campo_afp.jpg_185051853.jpg","fifu_image_alt":"Bono social de inclusi\u00f3n financiera de FIRA","footnotes":""},"categories":[6],"tags":[],"class_list":["post-16916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-agronegocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bono social de inclusi\u00f3n financiera de FIRA &#183; 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