Educación Financiera Obligatoria: Lo que necesitas saber

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¿Necesitan los niños españoles aprender Educación Financiera de forma obligatoria?

Javier G
¿Necesitan los niños españoles aprender Educación Financiera de forma obligatoria?
¿Necesitan los niños españoles aprender Educación Financiera de forma obligatoria?

Siendo el tema financiero uno de los aspectos de mayor importancia y actualidad son muchos los que se plantean si la población actual está preparada para hacer frente al mundo financiero que, paso a paso, ha ido adquiriendo cada vez mayor relevancia en nuestras vidas.

Así, ya en el 2005 la OCDE comenzó a requerir a los Gobiernos y organismos reguladores un mayor compromiso con la Educación Financiera, señalando que los ciudadanos necesitan una mejor comprensión de todo el sistema financiero para poder llevar a cabo una mejor gestión de sus deudas, consumo o ahorro.

En este sentido, los resultados del último informe PISA de la OCDE sobre educación financiera apuntaban a que uno de cada seis jóvenes españoles presentaba problemas a la hora de manejarse con una tarjeta de crédito o reconocer cual es la función de una factura. Con ello se abrió en la comunidad educativa un intenso debate sobre la necesidad de impartir conocimientos financieros a los niños de forma obligatoria.

Teniendo en cuenta estas cifras, en 2008 el banco de España impulso el Plan Nacional de Educación Financiera en España junto con la CNMV, y más tarde el Ministerio de Educación. Un plan que ha tenido un impacto irrelevante en el sistema educativo, siendo España el país de la OCDE donde menos educación financiera está disponible para el alumnado.

Así, en nuestro país no se imparte Educación Financiera ni en las edades evaluadas por el PISA, ni en las anteriores por parte de profesorado especializado en Economía. No obstante, las últimas reformas han llevado a introducir un modelo transversal en el que la Educación  Financiera será tratada por los profesores de Educación Primaria en sus respectivas áreas, mientras que en la Educación Secundaria, ésta se impartirá por el profesorado de Matemáticas o Geografía e Historia.

Sin embargo, el estudio ha apuntado que ‘ni la impartición de la Educación Financiera durante clases de Matemáticas o Ciencias Sociales, ni los modelos transversales presentan resultados positivos entre la mayoría de los países con mejores desempeños’. De esta manera, a pesar de la escasa implantación de la Educación Financiera, los sistemas educativos pertenecientes a la OCDE que han logrado una influencia más positiva han sido los que han fundamentado la misma en asignaturas específicas.

En cualquier caso, los autores del estudio consideran que es esencial emplear diferentes metodologías y datos adicionales que permitan configurar un criterio definitivo, abogando siempre por introducir la Educación Financiera dentro del currículo escolar en materias de formación económica.

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    Total: 74,54€ /1 ud

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    61,60€
    61,60€/ud
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    54,59€
    Añadir al carrito Más
  • {"id_product":"453","id_supplier":"0","id_manufacturer":"0","id_category_default":"1919","id_shop_default":"1","id_tax_rules_group":"5","on_sale":"1","online_only":"0","ean13":"8423473827387","upc":"","ecotax":0,"quantity":1057,"minimal_quantity":"1","price":1.3,"wholesale_price":"0.212000","unity":"","unit_price_ratio":"0.000000","additional_shipping_cost":"0.00","reference":"15437","supplier_reference":"","location":"","width":"0.000000","height":"0.000000","depth":"0.000000","weight":"0.073600","out_of_stock":"2","quantity_discount":"0","customizable":"0","uploadable_files":"0","text_fields":"0","active":"1","redirect_type":"404","id_product_redirected":"0","available_for_order":"1","available_date":"0000-00-00","condition":"new","show_price":"1","indexed":"1","visibility":"both","cache_is_pack":"0","cache_has_attachments":"0","is_virtual":"0","cache_default_attribute":"0","date_add":"2016-12-19 21:37:57","date_upd":"2025-04-28 10:21:14","advanced_stock_management":"0","pack_stock_type":"3","tarifa_roja":"1.063","fecha_almacen_mal":"0","fecha_almacen_gua":"0","fecha_importacion":"2020-08-06 00:05:04","was_imported":"csv","partnumber":"CM03","range_1":"1","range_2":"5","range_3":"10","range_4":"20","multiplier_1":"4.576","multiplier_2":"4.507","multiplier_3":"4.473","multiplier_4":"4.358","multiplier_colegios":"1.545","umv":"10","simple_store":"2","multiplier_colegios2":"1.68","id_shop":"1","number_sales":"0","id_lang":"1","description":"<p>Cartulina para carteler\u00eda y manualidades de la marca Liderpapel. 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    Total: 1,30€ /1 ud

    1,30€/ud (más IVA)

    1,07€
    1,07€/ud
    $product.price = 1.3 . $precio = 1.07 . $product.minimal_quantity = 1 . $minimal_quantity = 1 . $precio_pack = 1.07
    Si quieres una caja, compra 10 unidades o múltiplos.
    500 x 650 mm
    desde 1,07€ + IVA
    1,07€
    Añadir al carrito Más
  • {"id_product":"454","id_supplier":"0","id_manufacturer":"0","id_category_default":"1919","id_shop_default":"1","id_tax_rules_group":"5","on_sale":"1","online_only":"0","ean13":"8423473827400","upc":"","ecotax":0,"quantity":31,"minimal_quantity":"1","price":1.29,"wholesale_price":"0.212000","unity":"","unit_price_ratio":"0.000000","additional_shipping_cost":"0.00","reference":"15438","supplier_reference":"","location":"","width":"0.000000","height":"0.000000","depth":"0.000000","weight":"0.073600","out_of_stock":"2","quantity_discount":"0","customizable":"0","uploadable_files":"0","text_fields":"0","active":"1","redirect_type":"404","id_product_redirected":"0","available_for_order":"1","available_date":"0000-00-00","condition":"new","show_price":"1","indexed":"1","visibility":"both","cache_is_pack":"0","cache_has_attachments":"0","is_virtual":"0","cache_default_attribute":"0","date_add":"2016-12-19 21:37:57","date_upd":"2025-04-28 10:21:14","advanced_stock_management":"0","pack_stock_type":"3","tarifa_roja":"1.054","fecha_almacen_mal":"0","fecha_almacen_gua":"0","fecha_importacion":"2020-08-06 00:05:04","was_imported":"csv","partnumber":"CM04","range_1":"1","range_2":"5","range_3":"10","range_4":"20","multiplier_1":"4.576","multiplier_2":"4.507","multiplier_3":"4.473","multiplier_4":"4.358","multiplier_colegios":"1.545","umv":"10","simple_store":"2","multiplier_colegios2":"1.68","id_shop":"1","number_sales":"0","id_lang":"1","description":"<p>Cartulina para carteler\u00eda y manualidades de la marca Liderpapel. 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    Total: 1,29€ /1 ud

    1,29€/ud (más IVA)

    1,06€
    1,06€/ud
    $product.price = 1.29 . $precio = 1.06 . $product.minimal_quantity = 1 . $minimal_quantity = 1 . $precio_pack = 1.06
    Si quieres una caja, compra 10 unidades o múltiplos.
    500 x 650 mm
    desde 1,06€ + IVA
    1,06€
    Añadir al carrito Más
  • {"id_product":"455","id_supplier":"0","id_manufacturer":"0","id_category_default":"1919","id_shop_default":"1","id_tax_rules_group":"5","on_sale":"1","online_only":"0","ean13":"8423473827424","upc":"","ecotax":0,"quantity":10,"minimal_quantity":"1","price":1.29,"wholesale_price":"0.212000","unity":"","unit_price_ratio":"0.000000","additional_shipping_cost":"0.00","reference":"16216","supplier_reference":"","location":"","width":"0.000000","height":"0.000000","depth":"0.000000","weight":"0.073600","out_of_stock":"2","quantity_discount":"0","customizable":"0","uploadable_files":"0","text_fields":"0","active":"1","redirect_type":"404","id_product_redirected":"0","available_for_order":"1","available_date":"0000-00-00","condition":"new","show_price":"1","indexed":"1","visibility":"both","cache_is_pack":"0","cache_has_attachments":"0","is_virtual":"0","cache_default_attribute":"0","date_add":"2016-12-19 21:37:57","date_upd":"2025-04-28 10:21:22","advanced_stock_management":"0","pack_stock_type":"3","tarifa_roja":"1.054","fecha_almacen_mal":"0","fecha_almacen_gua":"0","fecha_importacion":"2020-08-06 00:05:28","was_imported":"csv","partnumber":"CM05","range_1":"1","range_2":"5","range_3":"10","range_4":"20","multiplier_1":"4.576","multiplier_2":"4.507","multiplier_3":"4.473","multiplier_4":"4.358","multiplier_colegios":"1.545","umv":"10","simple_store":"2","multiplier_colegios2":"1.68","id_shop":"1","number_sales":"12","id_lang":"1","description":"<p>Cartulina para carteler\u00eda y manualidades de la marca Liderpapel. 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    Total: 1,29€ /1 ud

    1,29€/ud (más IVA)

    1,06€
    1,06€/ud
    $product.price = 1.29 . $precio = 1.06 . $product.minimal_quantity = 1 . $minimal_quantity = 1 . $precio_pack = 1.06
    Si quieres una caja, compra 10 unidades o múltiplos.
    500 x 650 mm.
    desde 1,06€ + IVA
    1,06€
    Añadir al carrito Más
  • {"id_product":"456","id_supplier":"0","id_manufacturer":"18","id_category_default":"1933","id_shop_default":"1","id_tax_rules_group":"5","on_sale":"1","online_only":"0","ean13":"8423614138006","upc":"","ecotax":0,"quantity":39,"minimal_quantity":"1","price":121.34,"wholesale_price":"39.200000","unity":"","unit_price_ratio":"0.000000","additional_shipping_cost":"0.00","reference":"16797","supplier_reference":"","location":"","width":"0.000000","height":"0.000000","depth":"0.000000","weight":"19.350000","out_of_stock":"2","quantity_discount":"0","customizable":"0","uploadable_files":"0","text_fields":"0","active":"1","redirect_type":"404","id_product_redirected":"0","available_for_order":"1","available_date":"0000-00-00","condition":"new","show_price":"1","indexed":"1","visibility":"both","cache_is_pack":"0","cache_has_attachments":"0","is_virtual":"0","cache_default_attribute":"0","date_add":"2016-12-19 21:37:57","date_upd":"2025-04-28 10:21:30","advanced_stock_management":"0","pack_stock_type":"3","tarifa_roja":"0","fecha_almacen_mal":"0","fecha_almacen_gua":"0","fecha_importacion":"2020-08-06 00:05:28","was_imported":"old","partnumber":"1381012","range_1":"1","range_2":"2","range_3":"3","range_4":"4","multiplier_1":"2.558","multiplier_2":"2.43","multiplier_3":"2.353","multiplier_4":"2.267","multiplier_colegios":"1.38","umv":"1","simple_store":"2","multiplier_colegios2":"1.575","id_shop":"1","number_sales":"0","id_lang":"1","description":"<p>Papel continuo para listados de ordenador. 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    Total: 121,34€ /1 ud

    121,34€/ud (más IVA)

    100,28€
    100,28€/ud
    $product.price = 121.34 . $precio = 100.28 . $product.minimal_quantity = 1 . $minimal_quantity = 1 . $precio_pack = 100.28
    26
    2 unidades
    ¡Ahorra un 5.01%!
    190,52€
    95,26€/ud
    27
    3 unidades
    ¡Ahorra un 8.02%!
    276,72€
    92,24€/ud
    28
    4 unidades
    ¡Ahorra un 11.38%!
    355,48€
    88,87€/ud
    Original. Blanco.
    desde 88,87€ + IVA
    88,87€
    Añadir al carrito Más
  • {"id_product":"457","id_supplier":"0","id_manufacturer":"18","id_category_default":"1933","id_shop_default":"1","id_tax_rules_group":"5","on_sale":"1","online_only":"0","ean13":"8423614740018","upc":"","ecotax":0,"quantity":16,"minimal_quantity":"1","price":74.46,"wholesale_price":"24.080000","unity":"","unit_price_ratio":"0.000000","additional_shipping_cost":"0.00","reference":"17066","supplier_reference":"","location":"","width":"0.000000","height":"0.000000","depth":"0.000000","weight":"11.300000","out_of_stock":"2","quantity_discount":"0","customizable":"0","uploadable_files":"0","text_fields":"0","active":"1","redirect_type":"404","id_product_redirected":"0","available_for_order":"1","available_date":"0000-00-00","condition":"new","show_price":"1","indexed":"1","visibility":"both","cache_is_pack":"0","cache_has_attachments":"0","is_virtual":"0","cache_default_attribute":"0","date_add":"2016-12-19 21:37:57","date_upd":"2025-04-28 10:21:34","advanced_stock_management":"0","pack_stock_type":"3","tarifa_roja":"0","fecha_almacen_mal":"0","fecha_almacen_gua":"0","fecha_importacion":"2020-08-06 00:05:28","was_imported":"csv","partnumber":"1241112","range_1":"1","range_2":"2","range_3":"3","range_4":"4","multiplier_1":"2.555","multiplier_2":"2.43","multiplier_3":"2.353","multiplier_4":"2.267","multiplier_colegios":"1.38","umv":"1","simple_store":"2","multiplier_colegios2":"1.575","id_shop":"1","number_sales":"0","id_lang":"1","description":"<p>Papel continuo para listados de ordenador. 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    Total: 74,46€ /1 ud

    74,46€/ud (más IVA)

    61,53€
    61,53€/ud
    $product.price = 74.46 . $precio = 61.53 . $product.minimal_quantity = 1 . $minimal_quantity = 1 . $precio_pack = 61.53
    30
    2 unidades
    ¡Ahorra un 4.89%!
    117,04€
    58,52€/ud
    31
    3 unidades
    ¡Ahorra un 7.9%!
    170,01€
    56,67€/ud
    32
    4 unidades
    ¡Ahorra un 11.28%!
    218,36€
    54,59€/ud
    Original. Pautado.
    desde 54,59€ + IVA
    54,59€
    Añadir al carrito Más

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