{"id":53211,"date":"2025-11-17T06:49:01","date_gmt":"2025-11-17T10:49:01","guid":{"rendered":"https:\/\/solisinforma.com\/?p=53211"},"modified":"2025-11-17T06:49:01","modified_gmt":"2025-11-17T10:49:01","slug":"prestamos-estudiantiles-una-opcion-cada-vez-mas-demandada-por-los-jovenes","status":"publish","type":"post","link":"https:\/\/solisinforma.com\/?p=53211","title":{"rendered":"Pr\u00e9stamos estudiantiles, una opci\u00f3n cada vez m\u00e1s demandada por los j\u00f3venes"},"content":{"rendered":"<div class=\"subtitle text-xl mb-4\">\n<ul>\n<li class=\"flex mb-2\"><strong>Solo Fundapec ha prestado alrededor de RD$2,900 millones a octubre de este a\u00f1o<\/strong><\/li>\n<\/ul>\n<\/div>\n<div class=\"border-b-2 pb-3 byline text-lg\">\n<address class=\"author not-italic inline mr-2 block\" data-mrf-recirculation=\"Autor\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-53212\" src=\"https:\/\/i0.wp.com\/solisinforma.com\/wp-content\/uploads\/2025\/11\/estudiantes-universitarioss.jpg?resize=640%2C330&#038;ssl=1\" alt=\"\" width=\"640\" height=\"330\" srcset=\"https:\/\/i0.wp.com\/solisinforma.com\/wp-content\/uploads\/2025\/11\/estudiantes-universitarioss.jpg?resize=1280%2C660&amp;ssl=1 1280w, https:\/\/i0.wp.com\/solisinforma.com\/wp-content\/uploads\/2025\/11\/estudiantes-universitarioss.jpg?resize=768%2C396&amp;ssl=1 768w, https:\/\/i0.wp.com\/solisinforma.com\/wp-content\/uploads\/2025\/11\/estudiantes-universitarioss.jpg?resize=1536%2C792&amp;ssl=1 1536w, https:\/\/i0.wp.com\/solisinforma.com\/wp-content\/uploads\/2025\/11\/estudiantes-universitarioss.jpg?resize=1024%2C528&amp;ssl=1 1024w, https:\/\/i0.wp.com\/solisinforma.com\/wp-content\/uploads\/2025\/11\/estudiantes-universitarioss.jpg?w=1620&amp;ssl=1 1620w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/address>\n<\/div>\n<p>A medida que m\u00e1s personas deciden\u00a0<strong>profesionalizar sus habilidades<\/strong>, la cantidad de estudiantes cursando alg\u00fan tipo de estudio superior -como carreras t\u00e9cnicas o de grado, especialidades, maestr\u00edas o doctorados- incrementa, lo que a su vez hace que muchos eval\u00faen c\u00f3mo financiar\u00e1n su formaci\u00f3n.<\/p>\n<p>Para el\u00a0<strong>2024<\/strong>, las universidades reportaron que\u00a0<strong>538,518 alumnos<\/strong>\u00a0-355,670 mujeres y 182,848 hombres- cursaba alguno de estos estudios, una cantidad que ya superar\u00eda las 600,000 matr\u00edculas a junio de este a\u00f1o, seg\u00fan los datos del\u00a0<strong>Ministerio de Educaci\u00f3n Superior<\/strong>, Ciencia y Tecnolog\u00eda (<strong>Mescyt<\/strong>).<\/p>\n<p>Ante esa realidad, los\u00a0<strong>pr\u00e9stamos estudiantiles<\/strong>\u00a0se est\u00e1n tornando en una opci\u00f3n cada vez m\u00e1s demandada entre los\u00a0<strong>j\u00f3venes<\/strong>\u00a0para costear su formaci\u00f3n acad\u00e9mica.<\/p>\n<p>La\u00a0<strong>Fundaci\u00f3n Apec de Cr\u00e9dito Educativo<\/strong>\u00a0(Fundapec), una entidad referente en otorgar estas facilidades en el pa\u00eds, manej\u00f3 una cartera de pr\u00e9stamos de\u00a0<strong>2,900 millones de pesos<\/strong>\u00a0a octubre de este a\u00f1o, para un crecimiento de 9.4 % respecto al a\u00f1o pasado.<\/p>\n<p>El 80 % de los cr\u00e9ditos se formaliz\u00f3 a\u00a0<strong>adultos j\u00f3venes<\/strong>\u00a0entre los 21 y los 34 a\u00f1os de edad, siendo el segmento que m\u00e1s los solicit\u00f3, concedidos a una tasa de 15 % anual.<\/p>\n<p><strong>\u00c1reas m\u00e1s estudiadas<\/strong><\/p>\n<p>Las\u00a0<strong>ciencias econ\u00f3micas<\/strong>, las ciencias jur\u00eddicas, la\u00a0<strong>medicina<\/strong>\u00a0y la\u00a0<strong>educaci\u00f3n<\/strong>\u00a0concentran la mayor parte de los beneficiarios de esta cartera de cr\u00e9ditos. Esto coincide con que esas mismas \u00e1reas figuran entre las m\u00e1s estudiadas por los\u00a0<strong>j\u00f3venes<\/strong>\u00a0en las universidades del pa\u00eds.<\/p>\n<p>Los datos del\u00a0<strong>Mescyt<\/strong>\u00a0\u2013disponibles al 2024 porque las academias realizan los reportes una vez finaliza el a\u00f1o de estudios\u2013 muestra que la<strong>\u00a0medicina<\/strong>\u00a0\u2013con 57,313 matriculados\u2013\u00a0<strong>educaci\u00f3n<\/strong>\u00a0\u2013con 54,618\u2013,<strong>\u00a0contabilidad<\/strong>\u00a0\u2013con 36,557\u2013 y\u00a0<strong>derecho<\/strong>\u00a0\u2013con 35,425\u2013 fueron las licenciaturas de grado m\u00e1s estudiadas por los futuros profesionales.<\/p>\n<h2>Banca comercial<\/h2>\n<p>\u00bfCu\u00e1nto ha prestado la\u00a0<strong>banca comercial<\/strong>\u00a0a los estudiantes de\u00a0<strong>educaci\u00f3n<\/strong>\u00a0superior para costear sus carreras?<\/p>\n<p>La respuesta exacta resulta dif\u00edcil de precisar, debido a que las entidades de intermediaci\u00f3n financiera las registran como parte de los\u00a0<strong>pr\u00e9stamos de consumo<\/strong>, que solo en septiembre de este a\u00f1o alcanzaron los\u00a0<strong>643,124 millones de pesos<\/strong>, seg\u00fan el dato m\u00e1s reciente publicado por la\u00a0<strong>Superintendencia de Bancos<\/strong>\u00a0(SB).<\/p>\n<p>Al 13 de noviembre, la\u00a0<strong>tasa<\/strong>\u00a0activa promedio para los\u00a0<strong>pr\u00e9stamos de consumo<\/strong>\u00a0fue de 19.48 %, seg\u00fan el Banco Central de la Rep\u00fablica Dominicana (BCRD).<\/p>\n<p>Entidades consultadas como el\u00a0<strong>Banco Popular<\/strong>\u00a0indican haber realizado\u00a0<strong>13,690 desembolsos<\/strong>\u00a0hasta octubre de este a\u00f1o a clientes con perfiles estudiantiles, definidos como\u00a0<strong>j\u00f3venes<\/strong>\u00a0entre 18 y 29 a\u00f1os con consumos vinculados a universidades, para un monto acumulado de\u00a0<strong>971.9 millones de pesos<\/strong>.<\/p>\n<p>\u00abEstos desembolsos han sido canalizados a trav\u00e9s de productos de cr\u00e9dito generales como\u00a0<strong>pr\u00e9stamos comerciales<\/strong>, hipotecarios, revolventes, de consumo y de veh\u00edculos, sin que exista una l\u00ednea exclusiva para\u00a0<strong>fines educativos<\/strong>\u00ab, precis\u00f3 la entidad financiera.<\/p>\n<p>El\u00a0<strong>BHD<\/strong>, por su parte, facilita\u00a0<strong>pr\u00e9stamos personales<\/strong>\u00a0a los que pueden acceder\u00a0<strong>j\u00f3venes<\/strong>\u00a0estudiantes entre 18 y 30 a\u00f1os a trav\u00e9s del segmento joven conocido como \u00abNow\u00bb.<\/p>\n<p>Datos facilitados en octubre muestran que la cartera de consumo del banco en el 2025 ascendi\u00f3 a\u00a0<strong>50,040.7 millones de pesos<\/strong>, de los cuales el 10 % fueron adquiridos por\u00a0<strong>j\u00f3venes<\/strong>\u00a0entre estas edades -unos 5,004.7 millones de pesos.<\/p>\n<div class=\"my-12 component web-insert relative border bg-component\"><span class=\"text-xl block my-3 component-title glosa\"><strong>Programas disponibles<\/strong><\/span>Las entidades financieras tambi\u00e9n han dise\u00f1ado programas especiales destinados a esta poblaci\u00f3n y en alianza con instituciones educativas y p\u00fablicas.<\/p>\n<p>La Asociaci\u00f3n Popular de Ahorros y Pr\u00e9stamos (APAP) ofrece, desde junio del 2021, pr\u00e9stamos para los estudiantes admitidos en Barna Management School, quienes podr\u00e1n contar con una tasa 0 % durante los primeros 36 meses del pr\u00e9stamo.<\/p>\n<p>El Banreservas, en tanto, ha concedido m\u00e1s de 1,000 pr\u00e9stamos en este a\u00f1o a j\u00f3venes empleados en entidades p\u00fablicas y privadas a trav\u00e9s del programa Educaci\u00f3n y Cultura con Banreservas, destinado a financiar cursos de idiomas, trabajos temporales en el exterior, intercambios educativos, pasant\u00edas, diplomados y maestr\u00edas.<\/p>\n<h6><span style=\"color: #999999;\">Por: <strong>Irmgard De la Cruz \/ DL<\/strong><\/span><\/h6>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Solo Fundapec ha prestado alrededor de RD$2,900 millones a octubre de este a\u00f1o A medida&#8230;<\/p>\n","protected":false},"author":2,"featured_media":53212,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[8,39],"tags":[20027,20026,1510,20025,20024,46,7526],"class_list":["post-53211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nacionales","category-primeraplana","tag-carreras","tag-demandada","tag-jovenes","tag-opcion","tag-prestamos-estudiantiles","tag-solis-informa","tag-universidades"],"yoast_head":"<!-- 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