EDUCRER: Líderes em Educação Financeira discutem alternativas para o crédito responsável


CMS realiza o primeiro fórum brasileiro voltado para líderes e tomadores de decisão da área de Educação Financeira e Crédito Responsável.

A CMS lançou um importante projeto para a Indústria de Crédito durante o 11º Congresso Nacional de Crédito e Cobrança: o EDUCRER – 1º Fórum de líderes em Educação Financeira e Crédito Responsável. O Fórum, que aconteceu no dia 11 de novembro, uniu os públicos dos dois segmentos e buscou discutir alternativas para o crescimento sustentável do crédito.

 

No intuito de englobar todos os setores vinculados à Educação Financeira no país, governo, empresas e sociedade civil, a programação contou com inúmeros especialistas do mercado. A palestra de abertura do Fórum foi feita pela Coordenadora da Comissão Permanente do Comitê Nacional de Educação Financeira (CONEF), Rai de Almeida.  Para a especialista, que falou sobre as perspectivas governamentais para os caminhos da Educação Financeira no Brasil, a responsabilidade de educação financeira é de toda a sociedade brasileira. “Precisamos mudar essa realidade perversa de que não devemos falar sobre nossas finanças. Quando utilizamos nossas finanças de forma responsável, estamos exercendo a nossa cidadania. E isso começa na escola, mas também em casa (nos lares) e nas empresas.”, defende Rai.

 

O debate máster do evento discutiu a educação financeira e o crédito consciente e reuniu líderes da Serasa Experian, Banco Central, Banco Santander, Siscom, Via Varejo e Febraban. Segundo Linda Murasawa, Superintendente Executiva de Sustentabilidade do Banco Santander, “A sustentabilidade tem como um dos pilares o ser humano, porque quando falamos em preservar os negócios falamos da preservação e continuidade da sociedade. Isso começa com o bem-estar da pessoa, da sua saúde física, mental e emocional. Lamentavelmente, 80% da população brasileira não consegue lidar corretamente com o dinheiro e, comprovadamente, desequilibro financeiro é uma das maiores causas do desequilíbrio de saúde. Causa problemas psicológicos seríssimos. Por isso, iniciativas como o Educrer são essenciais ao mercado”, indica.  

 

Para Hilgo Gonçalves, os mais de 40 anos no mercado de crédito e varejo, inclusive como CEO da Losango, lhe renderam uma visão que estabelece como indissociáveis os círculos da educação e do crédito. “O círculo virtuoso do consumo consciente dá resultado porque implantando isso na empresa é um grande sucesso. Se o líder estiver consciente, seus colaboradores vão entender que aquilo é importante. Quem falar com o consumidor vai entender também a importância do conceito e aí passar para sua própria família. O consumidor torna-se um consumidor sustentável. Se não houver logo uma educação, se só pensarmos em vender produtos, em breve não estaremos vendendo nada. Devemos convidar o consumidor para uma reflexão”, reflete.

 

De acordo com a Diretora de Desenvolvimento Corporativo da CMS Brasil, Elane Cortez, esse é o intuito desse novo projeto da CMS: sensibilizar o topo da pirâmide, os líderes, de modo que a Educação Financeira seja um item que integre as estratégias de crédito, não apenas um segmento vinculado à responsabilidade social das empresas. “No Brasil, crédito e educação financeira quase nunca andam juntos. Para nós e o que se vem discutindo em nossos eventos por todos os especialistas é a necessidade de incluir a Educação Financeira como fator essencial para o negócio, da continuidade e sustentabilidade da indústria de crédito. É um processo de criação / modificação de cultura e isso leva seu tempo. Mas antes de chegar até o consumidor, queremos que inicie com tomadores de decisão. Somente assim teremos estratégias coerentes e coincidentes entre esses dois segmentos”, defende Elane.

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