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Diario El Mundo Home

Economia-ahorro

DEM

En El Salvador solo el 20% de la población tiene acceso a una cuenta de ahorro, mientras que un 12% puede solicitar créditos bancarios, revela la primera encuesta nacional sobre acceso a servicios financieros del Banco Central de Reserva (BCR).

Según resultado de la encuesta realizada por CID Gallup a una población media de 5,211 personas, del 77% de las personas sin cuenta de ahorro, un 70% atribuyó este caso a que sus ingresos son insuficientes para ahorrar.

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Según indica la encuesta, de las personas sin acceso a créditos, un 27% dije que no le interesa y un 24% declaró que no cumple los requisitos, como la falta de empleo dijo, de propiedades o de fiador.

De las personas con créditos, el 83% dijeron estar al día, mientras que un 11% aseguró que paga sus cuotas con atraso y un 3% no realiza sus pagos de cuota.

Además, un 43% de la población no tiene registro de cuánto recibe o gana mensualmente, este fenómeno ocurre especialmente entre las personas de 18 a 24 años de edad o más de 40.

Tres de cada 10 personas prefieren guardar su dinero en la casa, del cual la mayoría lo destina a gastos personales y solo un 25% afirmó emplearlo en emergencias.

Asimismo, según los hallazgos de la encuesta, de las personas que reciben remesas un 80% indicó que destina el dinero para el consumo.

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