El ahorro como parte de un plan de formación financiera para los empleados y conductores de Turisnal S.A.S en Facatativá, Cundinamarca
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Date
2020-11-30
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Corporación Universitaria Minuto de Dios
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Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
En Colombia la cultura educación financiera se encuentra aún en niveles muy
bajos, debido al poco conocimiento que tienen las personas y hogares colombianos
en finanzas personales, para promover el ahorro desde la niñez se debe empezar
por los padres desde sus empleos ya que ellos son los que directamente tienen el
buen o mal uso de su dinero, debido a que se ve este serio problema y no se
conoce el valor del dinero y tampoco se administra correctamente, menos existe una
cultura de ahorro. Los adolescentes también carecen de niveles adecuados de
educación financiera se desconoce el valor del dinero. Los adultos invierten y se
endeudan sin conocer los riesgos inherentes que representan las obligaciones con
alto interés o gota a gota, igualmente en las inversiones aún se cree en las altas
rentabilidades que resultan ser estafas como es el caso de pirámides
Para atacar la problemática que atañe a los hogares colombianos e individuos en
cuanto al bajo nivel de conocimientos y uso de las finanzas personales. Se debe
empezar con una formación financiera que involucre desde los más pequeños de la
casa hasta los más grandes, todo debe partir desde la formación que se imparte en
los colegios, trabajos y cursos que por iniciativa deben tomas las personas. Es
importante conocer el valor del dinero en el tiempo, y conceptos básicos como el
endeudamiento y la inversión, también debemos tener claro que se debe empezar
por realizar un presupuesto personal o familiar que involucre todos los ingresos y
gastos que se van a tener en un periodo determinado, con el fin de que este plan
pueda ser monitoreado y podamos tener contemplados todos los gastos y así de
esta manera evitar sorpresas al no tener dinero para cubrir obligaciones, el ideal es
no gastar más de lo que ingresa. Si se adquieren créditos para la compra de
vivienda o de un vehículo la cuota mensual debe incluirse dentro del presupuesto,
recordemos que Nunca se es demasiado joven o viejo para manejar
adecuadamente las finanzas personales, ya que nos veremos obligados a tomar
decisiones que tengan que ver con el ámbito financiero, y deben preocuparse por
obtener una capacitación adecuada que brinde respuesta a lo complejo que pueden
ser las decisiones en materia financiera.
In Colombia, the financial education culture is still at very low levels, due to the little knowledge that Colombian people and households have in personal finances. To promote saving from childhood, parents must start from their jobs since they are the that directly have the good or bad use of their money, because this serious problem is seen and the value of money is not known and it is not managed correctly, less there is a culture of saving. Adolescents also lack adequate levels of financial education, the value of money is unknown. Adults invest and get into debt without knowing the inherent risks that high-interest or drop-by-drop obligations represent, likewise in investments they still believe in high returns that turn out to be scams such as pyramids. To attack the problems that affect Colombian households and individuals regarding the low level of knowledge and use of personal finances. It should start with a financial training that involves from the smallest of the house to the largest, everything must start from the training that is taught in schools, jobs and courses that people must take on initiative. It is important to know the value of money over time, and basic concepts such as debt and investment, We must also be clear that we must start by making a personal or family budget that includes all the income and expenses that are going to be had in a given period, so that this plan can be monitored and we can have all the expenses and thus in this way avoid surprises when not having money to cover obligations, the ideal is not to spend more than what you enter. If loans are acquired for the purchase of a home or a vehicle, the monthly fee must be included within the budget, remember that you are never too young or old to properly handle personal finances, since we will be forced to make decisions that have to do with with the financial field, and should be concerned about obtaining adequate training that responds to the complexities that financial decisions can be
In Colombia, the financial education culture is still at very low levels, due to the little knowledge that Colombian people and households have in personal finances. To promote saving from childhood, parents must start from their jobs since they are the that directly have the good or bad use of their money, because this serious problem is seen and the value of money is not known and it is not managed correctly, less there is a culture of saving. Adolescents also lack adequate levels of financial education, the value of money is unknown. Adults invest and get into debt without knowing the inherent risks that high-interest or drop-by-drop obligations represent, likewise in investments they still believe in high returns that turn out to be scams such as pyramids. To attack the problems that affect Colombian households and individuals regarding the low level of knowledge and use of personal finances. It should start with a financial training that involves from the smallest of the house to the largest, everything must start from the training that is taught in schools, jobs and courses that people must take on initiative. It is important to know the value of money over time, and basic concepts such as debt and investment, We must also be clear that we must start by making a personal or family budget that includes all the income and expenses that are going to be had in a given period, so that this plan can be monitored and we can have all the expenses and thus in this way avoid surprises when not having money to cover obligations, the ideal is not to spend more than what you enter. If loans are acquired for the purchase of a home or a vehicle, the monthly fee must be included within the budget, remember that you are never too young or old to properly handle personal finances, since we will be forced to make decisions that have to do with with the financial field, and should be concerned about obtaining adequate training that responds to the complexities that financial decisions can be
Description
Establecer la relación que existe entre la educación financiera y la cultura de ahorro de
los empleados y conductores de la empresa TURISNAL SAS
Keywords
Formación financiera, Ahorro, Tasas de interés, Consumidor financiero, Financial training, Savings, Interest rates, Financial consumer