{"id":88212,"date":"2025-07-01T10:26:24","date_gmt":"2025-07-01T15:26:24","guid":{"rendered":"https:\/\/l21.mx\/?p=88212"},"modified":"2025-07-08T10:27:28","modified_gmt":"2025-07-08T15:27:28","slug":"credito-o-familia-dilema-financiero-de-los-mexicanos","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=88212","title":{"rendered":"\u00bfCr\u00e9dito o familia? Dilema financiero de los mexicanos"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>\u00bfQu\u00e9 hacen los mexicanos cuando enfrentan una emergencia econ\u00f3mica? En lugar de acudir a bancos, prefieren pedirle dinero a sus familiares o empe\u00f1ar sus pertenencias<\/p>\n<p>S\u00f3lo el 17.8% de la poblaci\u00f3n adulta en M\u00e9xico goza de bienestar financiero. Para el resto, las deudas, el sobreendeudamiento y los gastos imprevistos son parte de su vida diaria. Seg\u00fan la ENSAFI 2024, el 30.5% no logr\u00f3 cubrir sus gastos sin endeudarse, y muchos optaron por recurrir a amigos o empe\u00f1ar sus pertenencias antes que acercarse a un banco.<br \/>\nAunque las opciones formales de cr\u00e9dito existen, siguen siendo vistas como inaccesibles o poco confiables. Las tasas altas, los requisitos estrictos y la falta de educaci\u00f3n financiera complican el panorama. Frente a esto, las fintech y plataformas de cr\u00e9dito digital ofrecen una alternativa m\u00e1s \u00e1gil y amigable, con modelos m\u00e1s inclusivos.<br \/>\nEl cambio est\u00e1 en marcha, pero la cultura del endeudamiento sigue dominando. Resolver una emergencia econ\u00f3mica en M\u00e9xico no es solo cuesti\u00f3n de dinero: es tambi\u00e9n un reflejo de confianza, acceso y educaci\u00f3n financiera.<br \/>\n\u00bfLa soluci\u00f3n? Tecnolog\u00eda, responsabilidad y nuevas formas de entender nuestras finanzas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; \u00bfQu\u00e9 hacen los mexicanos cuando enfrentan una emergencia econ\u00f3mica? En lugar de acudir a bancos,&hellip;<\/p>\n","protected":false},"author":95,"featured_media":88213,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[709],"tags":[],"class_list":["post-88212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-infografia"],"acf":[],"_links":{"self":[{"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/posts\/88212","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/users\/95"}],"replies":[{"embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=88212"}],"version-history":[{"count":0,"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/posts\/88212\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/media\/88213"}],"wp:attachment":[{"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=88212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=88212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=88212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}