{"id":22338,"date":"2013-09-02T00:00:00","date_gmt":"2013-09-01T22:00:00","guid":{"rendered":"https:\/\/new.barcelonatribuna.com\/finanzas_y_etica_una_relacion_imprescindible\/"},"modified":"2013-09-02T00:00:00","modified_gmt":"2013-09-01T22:00:00","slug":"finanzas_y_etica_una_relacion_imprescindible","status":"publish","type":"post","link":"https:\/\/www.amicsdelpais.com\/es\/finanzas_y_etica_una_relacion_imprescindible\/","title":{"rendered":"Finanzas y \u00e9tica: una relaci\u00f3n imprescindible"},"content":{"rendered":"         <p class=\"link_ariadna\"><a href=\"https:\/\/www.amicsdelpais.com\/es\/publicaciones\">Publicaciones<\/a><\/p>                   <h1 class=\"wp-block-post-title\">Finanzas y \u00e9tica: una relaci\u00f3n imprescindible<\/h1>          <style>.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{column-gap:40px;row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:24px;grid-template-columns:minmax(0, calc(70% - ((40px * 1 )\/2)))minmax(0, calc(30% - ((40px * 1 )\/2)));}.kb-row-layout-id15198_fd4370-d2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15198_fd4370-d2 alignnone header_article_agenda wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">         <style>.kadence-column15198_b1d053-1d > 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class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"256\" height=\"384\" src=\"https:\/\/www.amicsdelpais.com\/wp-content\/uploads\/2025\/07\/art_860_h7yn.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.amicsdelpais.com\/wp-content\/uploads\/2025\/07\/art_860_h7yn.jpg 256w, https:\/\/www.amicsdelpais.com\/wp-content\/uploads\/2025\/07\/art_860_h7yn-200x300.jpg 200w\" sizes=\"auto, (max-width: 256px) 100vw, 256px\" \/><\/figure><\/div><\/div>                   <style>.kadence-column15494_3829e6-92 > .kt-inside-inner-col,.kadence-column15494_3829e6-92 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15494_3829e6-92 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15494_3829e6-92 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15494_3829e6-92 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15494_3829e6-92 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15494_3829e6-92{position:relative;}@media all and (max-width: 1024px){.kadence-column15494_3829e6-92 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15494_3829e6-92 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>         <div class=\"wp-block-kadence-column kadence-column15494_3829e6-92\">             <div class=\"kt-inside-inner-col\">                                  <style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box14181_ae7a89-85 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box14181_ae7a89-85 .kt-blocks-info-box-link-wrap{border-top:0px solid var(u002du002dglobal-palette7, #eeeeee);border-right:0px solid 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h6.kt-blocks-info-box-title{color:var(--global-palette4, #2D3748);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box14181_ae7a89-85 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette4, #2D3748);}.kt-info-box14181_ae7a89-85 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}@media all and (max-width: 1024px){.kt-info-box14181_ae7a89-85 .kt-blocks-info-box-link-wrap{border-top:0px solid var(u002du002dglobal-palette7, #eeeeee);border-right:0px solid var(u002du002dglobal-palette7, #eeeeee);border-bottom:1px solid #979797;border-left:0px solid var(u002du002dglobal-palette7, #eeeeee);}}@media all and (max-width: 767px){.kt-info-box14181_ae7a89-85 .kt-blocks-info-box-link-wrap{border-top:0px solid var(u002du002dglobal-palette7, #eeeeee);border-right:0px solid var(u002du002dglobal-palette7, #eeeeee);border-bottom:1px solid #979797;border-left:0px solid var(u002du002dglobal-palette7, #eeeeee);}}<\/style> <div class=\"wp-block-kadence-infobox kt-info-box14181_ae7a89-85 info_block_01\">     <span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top\">         <div class=\"kt-blocks-info-box-media-container\">             <div class=\"kt-blocks-info-box-media kt-info-media-animate-none\">                 <div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\">                     <div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_book kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  role=\"img\"><title>Hora<\/title><path d=\"M4 19.5A2.5 2.5 0 0 1 6.5 17H20\"\/><path d=\"M6.5 2H20v20H6.5A2.5 2.5 0 0 1 4 19.5v-15A2.5 2.5 0 0 1 6.5 2z\"\/><\/svg><\/span><\/div>                 <\/div>             <\/div>         <\/div>         <div class=\"kt-infobox-textcontent\">             <h6 class=\"kt-blocks-info-box-title\">Tipo de publicaci\u00f3n<\/h6><p class=\"kt-blocks-info-box-text\"><a href=\"\/publicacions\/resumen-de-actividades\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Resumen de actividades<\/a><\/p>        <\/div>     <\/span> <\/div>                  <style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box15198_70ed2d-ec .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box15198_70ed2d-ec .kt-blocks-info-box-link-wrap{border-top:0px solid var(u002du002dglobal-palette7, #eeeeee);border-right:0px solid var(u002du002dglobal-palette7, #eeeeee);border-bottom:0px solid #979797;border-left:0px solid var(u002du002dglobal-palette7, #eeeeee);border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:var(--global-palette1, #3182CE);padding-top:0px;padding-right:0px;padding-bottom:10px;padding-left:0px;}.kt-info-box15198_70ed2d-ec .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box15198_70ed2d-ec .kt-info-svg-icon-flip, .kt-info-box15198_70ed2d-ec .kt-blocks-info-box-number{font-size:20px;}.kt-info-box15198_70ed2d-ec .kt-blocks-info-box-media{color:var(--global-palette4, #2D3748);border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:3px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:7px;margin-bottom:0px;margin-left:0px;}.kt-info-box15198_70ed2d-ec .kt-infobox-textcontent h6.kt-blocks-info-box-title{color:var(--global-palette4, #2D3748);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box15198_70ed2d-ec .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette4, #2D3748);}.kt-info-box15198_70ed2d-ec .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}@media all and (max-width: 1024px){.kt-info-box15198_70ed2d-ec .kt-blocks-info-box-link-wrap{border-top:0px solid var(u002du002dglobal-palette7, #eeeeee);border-right:0px solid var(u002du002dglobal-palette7, #eeeeee);border-bottom:0px solid #979797;border-left:0px solid var(u002du002dglobal-palette7, #eeeeee);}}@media all and (max-width: 767px){.kt-info-box15198_70ed2d-ec .kt-blocks-info-box-link-wrap{border-top:0px solid var(u002du002dglobal-palette7, #eeeeee);border-right:0px solid var(u002du002dglobal-palette7, #eeeeee);border-bottom:0px solid #979797;border-left:0px solid var(u002du002dglobal-palette7, #eeeeee);}}<\/style> <div class=\"wp-block-kadence-infobox kt-info-box15198_70ed2d-ec info_block_01\">     <span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top\">         <div class=\"kt-blocks-info-box-media-container\">             <div class=\"kt-blocks-info-box-media kt-info-media-animate-none\">                 <div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\">                     <div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_calendar kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  role=\"img\"><title>Hora<\/title><rect x=\"3\" y=\"4\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><line x1=\"16\" y1=\"2\" x2=\"16\" y2=\"6\"\/><line x1=\"8\" y1=\"2\" x2=\"8\" y2=\"6\"\/><line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"\/><\/svg><\/span><\/div>                 <\/div>             <\/div>         <\/div>         <div class=\"kt-infobox-textcontent\">             <h6 class=\"kt-blocks-info-box-title\">Data<\/h6>             <p class=\"kt-blocks-info-box-text\">02-09-2013<\/p>         <\/div>     <\/span> <\/div>              <\/div>                      <\/div>                    <\/div><\/div>          <style>.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(30% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id15198_57c2d8-c9 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15198_57c2d8-c9 alignnone content_article_agenda wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">         <style>.kadence-column15198_459565-82 > .kt-inside-inner-col,.kadence-column15198_459565-82 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15198_459565-82 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15198_459565-82 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15198_459565-82 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15198_459565-82 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15198_459565-82{position:relative;}@media all and (max-width: 1024px){.kadence-column15198_459565-82 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15198_459565-82 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>         <div class=\"wp-block-kadence-column kadence-column15198_459565-82\">             <div class=\"kt-inside-inner-col\">             <div class=\"autor_post wp-block-post-author-name\"><a href=\"https:\/\/www.amicsdelpais.com\/es\/author\/joancavalle\/\" target=\"_blank\" class=\"wp-block-post-author-name__link\">Joan Cavall\u00e9<\/a><\/div>             <div class=\"summary_post wp-block-post-excerpt\"><p class=\"wp-block-post-excerpt__excerpt\">Joan Cavall\u00e9, Director General de Caja de Ingenieros, afirma en su art\u00edculo que \u00abunas finanzas realmente eficientes lograr\u00e1n su papel dentro de la sociedad y servir\u00e1n como impulsor para salir de la crisis\u00bb. Y en este sentido, destaca el papel de las cooperativas de cr\u00e9dito para alcanzar este objetivo. <\/p><\/div>                           Ha estat acceptat per bona part dels agents econ\u00f2mics que l\u2019actual crisi econ\u00f2mico-financera \u2013la qual t\u00e9 en les economies avan\u00e7ades la seva major expressi\u00f3\u2013 ha estat originada per una crisi de valors, fet que ens porta directament a l\u00b4arrel \u00e8tica de la crisi.   La definici\u00f3 d\u2019\u00e8tica al Webster assenyala que s\u00f3n els principis morals o valors que governen o distingeixen una particular cultura o grup. Indica, aix\u00ed mateix, que \u00e9s la branca de la filosofia que tracta dels valors relatius a la conducta humana en relaci\u00f3 a la correcci\u00f3\/incorrecci\u00f3 de certes accions i a la bondat\/no bondat dels motius i fins d\u2019aquestes accions.   Al llegir ambdues definicions ens adonem de l\u2019obvietat de l\u2019afirmaci\u00f3: aquesta \u00e9s una crisi de valors. I certament ens en adonem que aix\u00f2 es fa encara m\u00e9s evident quan parlem de les finances.   Podem dir, doncs, que la manca d\u2019\u00e8tica (i conseq\u00fcentment de valors) ha conduit a la crisi actual, tant en la seva vessant econ\u00f2mica com financera? La resposta es S\u00dd! I a m\u00e9s podr\u00edem afegir que la manca de valors en les finances ha coadjuvat a la crisi econ\u00f2mica, atesa la rellev\u00e0ncia de les finances en el desenvolupament de l\u2019activitat econ\u00f2mica i el cost social que ha representat per al contribuent el rescat del sistema financer, el qual s\u2019ha fet necessari per evitar el col\u2022lapse econ\u00f2mic.  Cal entendre, per\u00f2, que les finances no s\u00f3n aut\u00f2nomes de la realitat\/context de valors de la societat en el seu conjunt i, per tant, tampoc seria de just\u00edcia considerar els financers com els causants \u00fanics de la crisi. \u00c9s evident que en els darrers 30 anys (per\u00edode en el que considerem s\u2019ha incubat el virus de la crisi actual) la l\u00f2gica de la maximitzaci\u00f3 de tot (beneficis, dimensi\u00f3, globalitzaci\u00f3, consum, etc.) ens ha portat a una p\u00e8rdua constant de la for\u00e7a dels valors com a par\u00e0metres de reconeixement social i econ\u00f2mic, mentre que els aspectes m\u00e9s mercantils han anat ocupant progressivament m\u00e9s l\u00b4espai de rellev\u00e0ncia. De forma subtil, per\u00f2 implacable, s\u2019han anat desenvolupant poderosos factors autodestructius de bona part de les empreses financeres.  Certament, hom pot afegir que la societat ha anat desenvolupant iniciatives encaminades a resoldre\/mitigar els efectes negatius del nou paradigma financer i econ\u00f2mic: Responsabilitat Social Corporativa, Codis de Bon govern, Basilea II, Basilea III, directives de protecci\u00f3 dels consumidors, Inversi\u00f3 Socialment Responsable, etc.   <b>La regulaci\u00f3 \u00e9s condici\u00f3 necess\u00e0ria per atorgar una dimensi\u00f3 en valors a partir de la seva incid\u00e8ncia en com es fa el negoci, per\u00f2 tamb\u00e9 podem considerar que no \u00e9s condici\u00f3 suficient<\/b> (i la prova \u00e9s la pr\u00f2pia crisi) <b>si no s\u2019actua en la base del reconeixement empresarial, que en tants casos est\u00e0 focalitzat, fonamentalment, a la consecuci\u00f3 del m\u00e0xim benefici a curt termini<\/b>.   El qu\u00e8, el com i el perqu\u00e8 s\u00f3n les bases que defineixen una empresa\/sector\/economia, i sobre elles ens cal construir una \u201cmoral\u201d econ\u00f2mica que ens atorgui aquesta dimensi\u00f3 \u00e8tica a les finances. \u00c9s el mateix que dir Missi\u00f3, Visi\u00f3 i Valors, que tots coneixem, per\u00f2 cal desenvolupar m\u00e8triques que connectin variables quantitatives i qualitatives i situar-les a l\u00b4agenda de la gesti\u00f3. \u00c9s evident que <b>unes finances realment eficients, que serveixin a la societat i als seus stakeholders, desenvoluparan les seves funcions econ\u00f2miques b\u00e0siques, \u00e9s a dir, canalitzar l\u00b4estalvi cap a la inversi\u00f3, garantir el correcte funcionament dels sistemes de pagament i gestionar els riscs de l\u2019economia generant valor i, per tant, les finances assoliran el seu paper com a impulsor per sortir de la crisi<\/b>.  Les Cooperatives de Cr\u00e8dit s\u00f3n entitats de base social amb la missi\u00f3 de contribuir al  desenvolupament d\u2019aquesta i estan molt arrelades en els valors de la seva base. Per aix\u00f2 els principis de confian\u00e7a i proximitat als seus usuaris, l\u2019especificitat de la governan\u00e7a cooperativa, la resili\u00e8ncia i no recerca del m\u00e0xim benefici econ\u00f2mic com a factor \u00fanic de presa de decisions, i la seva implicaci\u00f3 social mitjan\u00e7ant el fons d\u00b4educaci\u00f3 i promoci\u00f3 (el qual s\u00b4obt\u00e9 dels beneficis generats) fan de les Cooperatives de Cr\u00e8dit entitats que, tal com ha posat de manifest recentment el Parlament Europeu, han donat proves convincents de la seva \u201csolidesa\u201d, fins i tot en els moments m\u00e9s dif\u00edcils de la crisi, gr\u00e0cies al model de governan\u00e7a, autosufici\u00e8ncia i gesti\u00f3 per a la creaci\u00f3 de valor amb perspectiva no sols de curt termini sin\u00f3, en especial, a llarg termini.   <b>En la recerca d\u2019una superaci\u00f3 de la crisi \u00e9s fonamental recuperar l\u2019ess\u00e8ncia \u00e8tica de les entitats financeres<\/b>. Existeixen diferents models i formes de fer finances i, d\u2019\u00e9sser tots ells igualment v\u00e0lids, cal evitar esquemes reduccionistes en torn a un sol model.<b> I en una societat plural, moderna, global \u2013per\u00f2 tamb\u00e9 local\u2013 \u00e9s imprescindible cultivar la diversificaci\u00f3 de models corporatius i ser conscients de l\u2019aportaci\u00f3 que cadascun d\u00b4ells realitza a la societat i, en aquest sentit, \u00e9s \u2013per a qui aqu\u00ed escriu\u2013 inq\u00fcestionable el paper que les cooperatives han de seguir actuant per assolir quelcom que en el m\u00f3n de les finances hav\u00edem perdut i que est\u00e0 en l\u00b4agenda: la permanent meta de l\u2019estabilitat financera<\/b>.                                          <style>.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:24px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id22850_b19245-db{background-color:#fecc8c;background-image:url('https:\/\/www.amicsdelpais.com\/wp-content\/uploads\/2025\/06\/bg_newsletter_01.svg');background-size:auto;background-position:100% 0%;background-attachment:scroll;background-repeat:repeat-y;}.kb-row-layout-id22850_b19245-db > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id22850_b19245-db alignnone kt-row-has-bg block_newsletter wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column22850_a01aca-24 > .kt-inside-inner-col{padding-bottom:0px;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col,.kadence-column22850_a01aca-24 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column22850_a01aca-24 > .kt-inside-inner-col{flex-direction:column;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column22850_a01aca-24{position:relative;}@media all and (max-width: 1024px){.kadence-column22850_a01aca-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column22850_a01aca-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column22850_a01aca-24\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">Suscr\u00edbete al newsletter<\/h2>\n\n\n\n<p>Suscr\u00edbete al <strong>Newsletter de Amics del Pa\u00eds<\/strong> para estar al d\u00eda de todo lo que hacemos. 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.kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15198_b55ca3-7f > .kt-inside-inner-col{flex-direction:column;}.kadence-column15198_b55ca3-7f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15198_b55ca3-7f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15198_b55ca3-7f{position:relative;}@media all and (max-width: 1024px){.kadence-column15198_b55ca3-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15198_b55ca3-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>         <div class=\"wp-block-kadence-column kadence-column15198_b55ca3-7f\">             <div class=\"kt-inside-inner-col\">                                               <\/div>         <\/div>                  <\/div><\/div>                   <p><\/p>         ","protected":false},"excerpt":{"rendered":"<p>Joan Cavall\u00e9, Director General de Caja de Ingenieros, afirma en su art\u00edculo que \u00abunas finanzas realmente eficientes lograr\u00e1n su papel dentro de la sociedad y servir\u00e1n como impulsor para salir de la crisis\u00bb. Y en este sentido, destaca el papel de las cooperativas de cr\u00e9dito para alcanzar este objetivo.<\/p>\n","protected":false},"author":83,"featured_media":18183,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[210,732,735,193,200],"tags":[],"class_list":["post-22338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-res-barcelona-tribuna-es","category-cercle-per-al-coneixement-publicaciones","category-circulo-para-el-conocimiento-publicaciones","category-publicaciones","category-resumen-de-actividades"],"taxonomy_info":{"category":[{"value":210,"label":"Barcelona 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