{"id":27728,"date":"2023-12-18T11:03:46","date_gmt":"2023-12-18T17:03:46","guid":{"rendered":"https:\/\/politicosaldesnudo.com.mx\/?p=27728"},"modified":"2023-12-18T11:03:46","modified_gmt":"2023-12-18T17:03:46","slug":"altos-rendimientos-disparan-el-ahorro-en-pequenas-financieras","status":"publish","type":"post","link":"https:\/\/politicosaldesnudo.com.mx\/index.php\/2023\/12\/18\/altos-rendimientos-disparan-el-ahorro-en-pequenas-financieras\/","title":{"rendered":"Altos rendimientos disparan el ahorro en peque\u00f1as financieras"},"content":{"rendered":"<p class=\"s-s\"><span style=\"font-size: 14pt;\">Para competir ante los bancos, las peque\u00f1as financieras pusieron en marcha la estrategia de ofrecer productos de ahorro con rendimientos superiores a 10 por ciento, lo cual ha rendido frutos, pues seg\u00fan datos oficiales, en los primeros 10 meses del a\u00f1o las sociedades financieras de ahorro popular (Sofipos) reportaron un crecimiento sin precedente en la captaci\u00f3n de ahorro.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Entre enero y octubre, seg\u00fan datos de la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV), el saldo de la captaci\u00f3n \u2013los recursos que se obtienen por medio del ahorro de los clientes\u2013 de las Sofipos sum\u00f3 56 mil 619 millones de pesos, lo que implic\u00f3 un aumento de 79 por ciento respecto a los 31 mil 609 millones reportados en el mismo periodo del a\u00f1o pasado.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">La cifra reportada supone un m\u00e1ximo hist\u00f3rico para el sector de las Sofipos, entidades que tradicionalmente operan en zonas que no son atendidas por la banca comercial. Sin embargo, en los a\u00f1os recientes firmas tecnol\u00f3gicas, mejor conocidas como\u00a0<em>fintechs<\/em>, han adquirido algunas instituciones de ese tipo con el objetivo de poder tener m\u00e1s productos en su portafolio.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">El caso m\u00e1s notorio es el de Nu, que operaba como\u00a0<em>fintech<\/em>\u00a0y en febrero de 2022 hizo oficial la compra de la Sofipo Akala. A su vez, Stori, otra instituci\u00f3n que era una firma de tecnolog\u00eda financiera, en septiembre de este a\u00f1o concret\u00f3 la adquisici\u00f3n de MasCaja.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Estas instituciones han implementado una estrategia de ofrecer a los clientes un rendimiento en sus cuentas de ahorro de 15 por ciento, mismo que triplica la inflaci\u00f3n reportada a octubre (4.26 por ciento) y que es superior a todos los productos tradicionales que ofrece el sistema bancario.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">El rendimiento que m\u00e1s se acerca al que ofrecen las Sofipos es el de los Certificados de la Tesorer\u00eda (Cetes), considerado uno de los productos de ahorro m\u00e1s seguros, y que a un mes ofrece 11.25 por ciento, a tres meses 11.30 por ciento, a seis meses 11.33 por ciento y a un a\u00f1o 11.23 por ciento.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">El crecimiento en el saldo de la captaci\u00f3n de recursos de las Sofipos en octubre tampoco tiene precedente. Entre octubre de 2021 y el mismo mes de 2022 el alza era de 19 por ciento; entre 2020 y 2021 fue de 8.9 por ciento, y entre 2018 y 2019, el a\u00f1o previo a la pandemia, hab\u00eda una disminuci\u00f3n de 3.4 por ciento en el monto de recursos reportados ante el organismo regulador.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">El crecimiento de 79 por ciento en los recursos de captaci\u00f3n es casi 10 veces superior al reportado por los bancos comerciales en el mismo rubro entre enero y octubre de este a\u00f1o, que fue de 9.8 por ciento, seg\u00fan las cifras del regulador.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Del total de recursos captados por las Sofipos, 65 por ciento o 37 mil 48 millones de pesos son dep\u00f3sitos de exigibilidad inmediata, es decir, aquellos que pueden ser solicitados por los clientes en cualquier momento, y 18 por ciento o 10 mil 719 millones de pesos son dep\u00f3sitos a plazos.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">En los dep\u00f3sitos a plazo, los gastos por intereses que desembolsaron las Sofipos hasta octubre fueron mil 992 millones de pesos, mientras en los dep\u00f3sitos de disponibilidad inmediata la cifra es de 288 millones de pesos. La estrategia de las Sofipos consisti\u00f3 en otorgar rendimientos a los clientes por s\u00f3lo tener guardados sus recursos en sus cuentas de d\u00e9bito, y aunque fueron anunciadas con bombos y tarolas, los t\u00e9rminos y condiciones de dichos productos indican que el rendimiento ofrecido termina durante los primeros meses de 2024.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Nu indica en su p\u00e1gina que la vigencia de dichos rendimientos es al 15 de abril del pr\u00f3ximo a\u00f1o, mientras que Stori culmina dicha oferta el 28 de febrero de 2024.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Pese a que las Sofipos reportan mayor cantidad de recursos en la captaci\u00f3n y un crecimiento superior a 60 por ciento en la cartera de cr\u00e9dito, no logran revertir las p\u00e9rdidas que se comenzaron a dar en enero de 2019.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">De acuerdo con la informaci\u00f3n de la CNBV, hasta octubre, dichas instituciones de cr\u00e9dito tuvieron p\u00e9rdidas por mil 931 millones de pesos, mientras hasta el mismo mes, pero de 2022, reportaban p\u00e9rdidas por 750 millones de pesos.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">El margen financiero que resulta de la diferencia entre los intereses cobrados a los deudores y los pagados a los ahorradores fue por 10 mil 585 millones de pesos, una cifra 98 por ciento mayor respecto de los 5 mil 326 millones reportados hasta octubre de 2022.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Para competir ante los bancos, las peque\u00f1as financieras pusieron en marcha la estrategia de ofrecer productos de ahorro con rendimientos 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