Los riesgos detectados en el sector solidario, desde la llegada del COVID-19, llevarían a disminuir flujos de operaciones reflejadas en menos captaciones Cooperativas se blinda contra la COVID Mitos y realidades sobre el modelo cooperativo tvnoticiascol TVNOTICIAS.COM

Cooperativas se blinda contra el COVID

Actualidad Economía / Finanzas

Los riesgos detectados en el sector solidario, desde la llegada del COVID-19, llevarían a disminuir flujos de operaciones reflejadas en menos captaciones y, por lo tanto, menos colocación de cartera, ampliación o creación de nuevos periodos de gracia a deudores, señala el capítulo “Efectos en el sector solidario” según el último Informe sobre el Panorama Macroeconómico Mundial y Nacional de la Superintendencia de la Economía Solidaria.

“Afectaría el flujo de caja normal de las organizaciones, incrementado los riesgos y provisiones, menores beneficios o excedentes, márgenes o rendimientos más estrechos, amplia competencia por tasas en el mercado con el sistema tradicional y con nuevos jugadores digitales (fintech), así como probables riesgos de liquidez”, concita el informe.

Las Cooperativas de Ahorro y Crédito con la innovación, los desarrollos tecnológicos y la cercanía tanto a sus asociados co0mo a los colombianos en general, buscan alternativas de ahorro e inversión diferentes a las que ofrece el sector financiero, razones por las que pueden marcar diferencia en su desempeño y el aporte en la recuperación económica del país.

Mitos y realidades sobre el modelo cooperativo

1. Entrar a una cooperativa de ahorro y crédito es fácil, salir imposible.

Si bien por la ley, el trámite de retiro podría tomar hasta 60 días, uno de los objetivos es mantener una relación de largo plazo que acompañe a las personas en cada etapa de su vida e incrementar el ahorro a largo plazo. 

2. Son mejores y más seguras las entidades financieras.

Ni son mejores ni más seguras, cumplen misiones diferentes. El cooperativismo funciona siempre con un enfoque de ayuda a la comunidad a través de todas sus acciones, en educación, ahorro y financiación de sueños.

En cuanto a la seguridad tanto para entidades financieras como para solidarias, lo importante es que las personas elijan aquellas vigiladas por la Superintendencia Financiera de Colombia o la Superintendencia de la Economía Solidaria, según corresponda.

3. Las cooperativas no las vigila nadie.

Las cooperativas son vigiladas por la SUPERSOLIDARIA, igual a la SUPERFINANCIERA de los bancos y también cuentan con FOGACOOP quien garantiza la seguridad de los ahorros de los asociados que es el equivalente de FOGAFIN en sector financiero. 

4.  Las rentabilidades son inferiores en los productos que ofrece el modelo solidario.

Falso. Por ser entidades de carácter social, todos los excedentes de capital, el equivalente a utilidades en el sector financiero tradicional, se reinvierten en los asociados lo que permite en muchos casos tener mejores tasas en ahorros, inversiones y tasas más bajas en los créditos.

Aclaración

Cabe destacar que a finales del 2020, el Consejo Nacional de Política Económica y Social, CONPES, máxima autoridad nacional de planeación y organismo asesor del gobierno nacional en todos los aspectos relacionados con el desarrollo económico y social del país, emitió el documento CONPES 4005, donde ratifica que los usuarios colombianos no cuentan con las habilidades de la aritmética básica, que les impide decidir conscientemente durante su adultez llevándolos a incurrir en errores financieros que impactan su economía personal y la de la nación.

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  272. naturally like your web site but you have to check the spelling on quite a few of your posts. A number of them are rife with spelling issues and I find it very bothersome to tell the truth nevertheless I’ll surely come back again.

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  280. Hey, you used to write great, but the last few posts have been kinda boring?K I miss your super writings. Past few posts are just a bit out of track! come on!

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  282. Have you ever considered writing an e-book or guest authoring on other sites? I have a blog based upon on the same subjects you discuss and would really like to have you share some stories/information. I know my visitors would appreciate your work. If you are even remotely interested, feel free to shoot me an e mail.

  283. Good post and straight to the point. I don’t know if this is truly the best place to ask but do you people have any thoughts on where to get some professional writers? Thx 🙂

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  302. Hmm it appears like your blog ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to the whole thing. Do you have any tips and hints for newbie blog writers? I’d really appreciate it.

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