{"id":16447,"date":"2026-07-01T07:00:05","date_gmt":"2026-07-01T14:00:05","guid":{"rendered":"https:\/\/empresomos.org\/?p=16447"},"modified":"2026-06-30T23:10:45","modified_gmt":"2026-07-01T06:10:45","slug":"finanzas-sanas-emprendimientos-fuertes-claves-para-la-inclusion-financiera-regional","status":"publish","type":"post","link":"https:\/\/empresomos.org\/es\/finanzas-sanas-emprendimientos-fuertes-claves-para-la-inclusion-financiera-regional\/","title":{"rendered":"Finanzas sanas, emprendimientos fuertes: claves para la inclusi\u00f3n financiera regional"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16447\" class=\"elementor elementor-16447\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a972db e-flex e-con-boxed e-con e-parent\" data-id=\"0a972db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6be1924 elementor-widget elementor-widget-text-editor\" data-id=\"6be1924\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El ECCA webcast al que nos referimos a continuaci\u00f3n est\u00e1 anclado en la\u00a0 nueva Ley Marco para la Promoci\u00f3n de la Educaci\u00f3n Financiera en Costa Rica, un esfuerzo pionero para fomentar la inclusi\u00f3n financiera en este pa\u00eds, del cual es posible extraer lecciones interesantes para otros pa\u00edses de la regi\u00f3n.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">En el di\u00e1logo participaron Josu\u00e9 Rodr\u00edguez Salas, director general de Sir\u00fa Financiero de Costa Rica, como presentador, y como panelistas, Andrea Mazariegos, consejera financiera de la organizaci\u00f3n Swisscontact; Samuel Salazar Genovez, director de PROINNOVA FUSADES de El Salvador; y Julio C\u00e9sar Pineda Barahona, asesor en finanzas personales y negocios de Desde Cero Finanzas de Honduras.<\/span><\/p><p><strong>Algunas ideas clave del conversatorio:<\/strong><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unas finanzas sanas favorecen la felicidad personal, la productividad de las organizaciones y la prosperidad de las sociedades, al ayudar a cuidar tres etapas de la vida: quienes somos hoy, quienes seremos en cinco a\u00f1os y la persona mayor que llegaremos a ser.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incluir financieramente no es solo facilitar la apertura de cuentas o cr\u00e9ditos: es garantizar que quienes demandan estos servicios puedan acceder, usar y beneficiarse de servicios financieros de calidad de manera sostenible.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La inclusi\u00f3n y el bienestar financieros no son lo mismo. La inclusi\u00f3n es el medio; el bienestar es el fin. La inclusi\u00f3n financiera requiere tres llaves: acceso, uso y calidad de productos como el cr\u00e9dito, el ahorro, las pensiones y los medios de pago, alineados con el perfil de riesgo de cada persona y negocio.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No basta con tener acceso al cr\u00e9dito o a productos financieros: necesitamos resiliencia financiera, es decir, que el financiamiento realmente contribuya a mejorar las condiciones de vida de personas, familias, comunidades y empresas.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El conocimiento financiero aplicado (entre otros, el costeo correcto en pymes) sigue siendo determinante para que los emprendimientos crezcan y escalen de forma sostenible.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fortalecer el ecosistema emprendedor centroamericano pasa por conectar pol\u00edtica p\u00fablica, innovaci\u00f3n, acompa\u00f1amiento t\u00e9cnico y educaci\u00f3n financiera centrada en la realidad de emprendedores, pymes y empresas sociales<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">\u00bfQuiere ver el webcast completo? Puede encontrarlo en el siguiente enlace de nuestro canal de YouTube:\u00a0\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-349ad03 e-flex e-con-boxed e-con e-parent\" data-id=\"349ad03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34a36b8 elementor-widget elementor-widget-video\" data-id=\"34a36b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/3VyCArCCzAw&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1e93d5 e-flex e-con-boxed e-con e-parent\" data-id=\"c1e93d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a150178 elementor-widget elementor-widget-text-editor\" data-id=\"a150178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fe de erratas: Durante la conversaci\u00f3n se mencion\u00f3 que el reglamento de la Ley Marco para la Promoci\u00f3n de la Educaci\u00f3n Financiera en Costa Rica estaba pendiente de publicaci\u00f3n. Posteriormente, Josu\u00e9 Rodr\u00edguez Salas aclar\u00f3 que el reglamento s\u00ed fue publicado en febrero de 2026. Lo que contin\u00faa pendiente de publicaci\u00f3n es la Pol\u00edtica P\u00fablica vigente para este a\u00f1o, de acuerdo con dicha Ley.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El ECCA webcast al que nos referimos a continuaci\u00f3n est\u00e1 anclado en la\u00a0 nueva Ley Marco para la Promoci\u00f3n de la Educaci\u00f3n Financiera en Costa Rica, un esfuerzo pionero para [&hellip;]<\/p>\n","protected":false},"author":114,"featured_media":16439,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[118],"tags":[],"class_list":["post-16447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","entry","has-media"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/posts\/16447","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/users\/114"}],"replies":[{"embeddable":true,"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/comments?post=16447"}],"version-history":[{"count":9,"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/posts\/16447\/revisions"}],"predecessor-version":[{"id":16456,"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/posts\/16447\/revisions\/16456"}],"wp:attachment":[{"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/media?parent=16447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/categories?post=16447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/empresomos.org\/es\/wp-json\/wp\/v2\/tags?post=16447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}