{"id":395543,"date":"2026-10-20T15:49:31","date_gmt":"2026-10-20T13:49:31","guid":{"rendered":"https:\/\/www.fiarebancaetica.coop\/?p=395543"},"modified":"2026-10-20T15:51:16","modified_gmt":"2026-10-20T13:51:16","slug":"finances-etiques-compromis-habitatge","status":"publish","type":"post","link":"https:\/\/www.fiarebancaetica.coop\/ca\/finances-etiques-compromis-habitatge\/","title":{"rendered":"Les finances \u00e8tiques guanyen base social a Espanya i reforcen el seu comprom\u00eds amb l\u2019habitatge"},"content":{"rendered":"\n\n<div class=\"wp-block-bancaetica-blocks-blocks-block-49\">\n    <div class=\"container-block-49\">\n\n        <div class=\"header-section \">\n                            <div class=\"section-title\"> Les finances \u00e8tiques guanyen base social a Espanya i reforcen el seu comprom\u00eds amb l\u2019habitatge <\/div>\n                                        <p class=\"section-content\"> Les finances \u00e8tiques guanyen base social a Espanya i reforcen el seu comprom\u00eds amb l\u2019habitatge <\/p>\n                                <\/div>\n\n        \n        <div class=\"block-background\" style=\"background-image: url('https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/portada-catala\u0300.webp')\">\n                            <div class=\"tile\">\n                    <h1 class=\"image-title\"> Les finances \u00e8tiques guanyen base social a Espanya i reforcen el seu comprom\u00eds amb l\u2019habitatge <\/h1>\n                <\/div>             <!-- end .tile -->\n            <div class=\"bottom-content\">\n                            <\/div> <!-- end .button-content -->\n        <\/div> <!-- end .block-background -->\n    <\/div> <!-- end .container -->\n<\/div> <!-- end wp-block-bancaetica-blocks-blocks-block-06 -->\n\n\n<div class=\"wrapper-crispybacon-class wrapper-crispybacon-class-wide \">\n    \n\n<p>Les finances no s\u00f3n neutres: cada euro dipositat en una entitat banc\u00e0ria t\u00e9 un impacte directe en la societat i en el planeta. Aix\u00ed ho torna a certificar l\u2019edici\u00f3 2026 del <strong>Bar\u00f2metre de les Finances \u00c8tiques<\/strong>, elaborat per l\u2019Observatori de les Finances \u00c8tiques de <a href=\"https:\/\/www.google.com\/search?q=Bar%C3%B3metro+de+las+Finanzas+%C3%89ticas&amp;oq=Bar%C3%B3metro+de+las+Finanzas+%C3%89ticas&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigAdIBBzI2NWowajeoAgCwAgA&amp;sourceid=chrome&amp;source=chrome.ob&amp;ie=UTF-8\" type=\"link\" id=\"https:\/\/www.google.com\/search?q=Bar%C3%B3metro+de+las+Finanzas+%C3%89ticas&amp;oq=Bar%C3%B3metro+de+las+Finanzas+%C3%89ticas&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigAdIBBzI2NWowajeoAgCwAgA&amp;sourceid=chrome&amp;source=chrome.ob&amp;ie=UTF-8\">FETS (<em>Finan\u00e7ament \u00c8tic i Solidari<\/em>).<\/a><\/p>\n\n\n\n<p>L\u2019informe, que analitza les dades corresponents a 2025 de 33 entitats del sector (bancs \u2014entre ells Fiare\u2014, entitats financeres no banc\u00e0ries, asseguradores i corredories), dibuixa un panorama de consolidaci\u00f3, solidesa i creixement d\u2019un model financer alternatiu que demostra dia rere dia que es pot gestionar els diners d\u2019una altra manera i necess\u00e0ria.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-01Somenergia-1024x683.webp\" alt=\"Instalaci\u00f3n fotovoltaica en el tejado de equipamiento municipal de Baleny\u00e0.\/Balenya Sostenible\" class=\"wp-image-395475\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-01Somenergia-1024x683.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-01Somenergia-300x200.webp 300w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-01Somenergia-768x512.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-01Somenergia.webp 1500w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-small-font-size\"><em>Planta Solar \u201cL&#8217;Asomada\u201d a Cartagena de la cooperativa SomEnergia<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading is-style-circular\"><strong>Un model consolidat: m\u00e9s de 200.000 persones compromeses<\/strong><\/h3>\n\n\n\n<p>Les entitats de finances \u00e8tiques han assolit a Espanya una base social de <strong>gaireb\u00e9 200.000 persones i organitzacions<\/strong>, marcant el tercer any consecutiu de creixement i el nivell m\u00e9s alt registrat des de 2018.<\/p>\n\n\n\n<p>Al llarg de l\u2019\u00faltima d\u00e8cada, els recursos gestionats i el cr\u00e8dit concedit reflecteixen la maduresa del sector:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2.408 milions d\u2019euros en estalvi captat:<\/strong> un increment del 35% en els \u00faltims deu anys. Diners d\u2019estalvi garantits contra el finan\u00e7ament de guerres, la ind\u00fastria armament\u00edstica o la crisi clim\u00e0tica.<\/li>\n\n\n\n<li><strong>1.856 milions d\u2019euros en pr\u00e9stecs:<\/strong> el volum de cr\u00e8dit destinat a l\u2019economia real s\u2019ha duplicat en una d\u00e8cada.<\/li>\n\n\n\n<li><strong>Alt r\u00e0tio de transformaci\u00f3 social:<\/strong> per cada 100 euros dipositats en estalvi, les entitats \u00e8tiques destinen 77 euros directament a finan\u00e7ar projectes amb impacte social i ambiental positiu.<\/li>\n<\/ul>\n\n\n\n<p>Darrere d\u2019aquestes xifres hi ha <strong>10.861 projectes de l\u2019economia real<\/strong> finan\u00e7ats arreu de l\u2019Estat, iniciatives que sovint no encaixen en els criteris de la banca convencional, centrada en la rendibilitat financera a curt termini.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"1024\" data-id=\"395491\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-2-768x1024.webp\" alt=\" Obras del local adquirido en el centro de Barcelona por las cooperativas Sostre C\u00edvic, Cr\u00edtic, Ar\u00e7 i Som Connexi\u00f3\/ Sostre C\u00edvic\n\" class=\"wp-image-395491\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-2-768x1024.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-2-225x300.webp 225w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-2-1152x1536.webp 1152w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-2-1536x2048.webp 1536w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-2-scaled.webp 1920w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" data-id=\"395487\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-1-1024x768.webp\" alt=\"Obras del local adquirido en el centro de Barcelona por las cooperativas Sostre C\u00edvic, Cr\u00edtic, Ar\u00e7 i Som Connexi\u00f3\/ Sostre C\u00edvic\n\n\" class=\"wp-image-395487\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-1-1024x768.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-1-300x225.webp 300w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-1-768x576.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-1-1536x1152.webp 1536w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-1-2048x1536.webp 2048w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/obres-trafalgar-1-560x420.webp 560w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p class=\"has-small-font-size\"><em>Obres del local adquirit al centre de Barcelona per les cooperatives Sostre C\u00edvic, Cr\u00edtic, Ar\u00e7 i Som Connexi\u00f3\/ Sostre C\u00edvic<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading is-style-circular\"><strong>L\u2019habitatge: el principal eix de finan\u00e7ament \u00e8tic i sostenible<\/strong><\/h3>\n\n\n\n<p>Enmig d\u2019una crisi d\u2019habitatge cada vegada m\u00e9s urgent, el sector de l\u2019habitatge s\u2019ha situat com la principal prioritat de la inversi\u00f3 \u00e8tica a Espanya, representant el <strong>28,1% del cr\u00e8dit concedit<\/strong> (2.164 pr\u00e9stecs).<\/p>\n\n\n\n<p>El model de banca \u00e8tica no nom\u00e9s finan\u00e7a ma\u00f3, sin\u00f3 <strong>comunitat, dret a l\u2019habitatge i sostenibilitat<\/strong>. El finan\u00e7ament s\u2019ha orientat a propostes com:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cooperativisme d\u2019habitatge en cessi\u00f3 d\u2019\u00fas:<\/strong> projectes on s\u2019evita l\u2019especulaci\u00f3, es mant\u00e9 la propietat col\u00b7lectiva i les persones usu\u00e0ries gaudeixen d\u2019un dret d\u2019\u00fas estable i assequible.<\/li>\n\n\n\n<li><strong>Habitatge social i rehabilitaci\u00f3 energ\u00e8tica:<\/strong> promocions destinades a col\u00b7lectius vulnerables i millores d\u2019efici\u00e8ncia en edificis per reduir la petjada ecol\u00f2gica.<\/li>\n\n\n\n<li><strong>Patrimonialitzaci\u00f3 cooperativa:<\/strong> projectes en qu\u00e8 entitats de l\u2019economia social i solid\u00e0ria adquireixen les seves seus per evitar pujades abusives dels lloguers i garantir la seva perman\u00e8ncia als barris.<\/li>\n<\/ul>\n\n\n\n<p>Tal com assenyalen iniciatives referents del cooperativisme d\u2019habitatge, el paper de les finances \u00e8tiques no nom\u00e9s \u00e9s coherent en valors, sin\u00f3 tamb\u00e9 t\u00e8cnic i estructural: permet entendre esquemes de propietat col\u00b7lectiva no especulatius que la banca tradicional ignora perqu\u00e8 no s\u2019adapten a les l\u00f2giques de l\u2019endeutament individual.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-id=\"395499\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenxxi-2-1024x683.webp\" alt=\" Vivienda cooperativa senior Walden XXI en Sant Feliu de Gu\u00edxols \/ Sostre C\u00edvic\" class=\"wp-image-395499\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenxxi-2-1024x683.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenxxi-2-300x200.webp 300w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenxxi-2-768x512.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenxxi-2-1536x1024.webp 1536w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenxxi-2.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-id=\"395507\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenXXI-1-1024x683.webp\" alt=\"waldenXXI 1\" class=\"wp-image-395507\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenXXI-1-1024x683.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenXXI-1-300x200.webp 300w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenXXI-1-768x512.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenXXI-1-1536x1024.webp 1536w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/waldenXXI-1.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p class=\"has-small-font-size\"><em>Habitatge cooperatiu s\u00e8nior Walden XXI a Sant Feliu de Gu\u00edxols \/ Sostre C\u00edvic<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading is-style-circular\"><strong>La pau i la transici\u00f3 ecol\u00f2gica com a horitz\u00f3 d\u2019inversi\u00f3<\/strong><\/h3>\n\n\n\n<p>Juntament amb l\u2019habitatge, la resta del cr\u00e8dit concedit per les finances \u00e8tiques impulsa sectors clau per a la sostenibilitat i la just\u00edcia social: l\u2019<strong>\u00e0mbit social (25,9%)<\/strong>, la <strong>transici\u00f3 energ\u00e8tica i el medi ambient (gaireb\u00e9 el 20%)<\/strong>, a m\u00e9s de la cultura, l\u2019educaci\u00f3 i l\u2019agroecologia.<\/p>\n\n\n\n<p>En un context global marcat pel rearmament i la incertesa geopol\u00edtica, la m\u00e0xima de les finances \u00e8tiques pren m\u00e9s for\u00e7a que mai: <strong>garantir a la ciutadania que els seus estalvis treballen per la pau, la inclusi\u00f3 i el planeta<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-3 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" data-id=\"395471\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Casp02-1-1024x768.webp\" alt=\"\" class=\"wp-image-395471\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Casp02-1-1024x768.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Casp02-1-300x225.webp 300w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Casp02-1-768x576.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Casp02-1-1536x1152.webp 1536w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Casp02-1-2048x1536.webp 2048w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Casp02-1-560x420.webp 560w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-id=\"395479\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-03BSiSommobilitat-1024x683.webp\" alt=\"\" class=\"wp-image-395479\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-03BSiSommobilitat-1024x683.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-03BSiSommobilitat-300x200.webp 300w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-03BSiSommobilitat-768x512.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-03BSiSommobilitat-1536x1024.webp 1536w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-03BSiSommobilitat-2048x1365.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" data-id=\"395483\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible-1024x576.webp\" alt=\"Instalaci\u00f3n fotovoltaica en el tejado de equipamiento municipal de Baleny\u00e0.\/Balenya Sostenible\n\" class=\"wp-image-395483\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible-1024x576.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible-300x169.webp 300w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible-768x432.webp 768w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible-1536x864.webp 1536w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible-640x360.webp 640w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible-400x225.webp 400w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/Copia-de-04BalenyaSostenible.webp 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wrapper-crispybacon-class wrapper-crispybacon-class-wide \">\n    \n\n<p class=\"has-small-font-size\"><em>Vehicle el\u00e8ctric d&#8217;\u00fas compartit fruit de la col\u00b7laboraci\u00f3 entre les cooperatives Som Moblitat, Baleny\u00e0 Sostenible i l&#8217;Ajuntament de Baleny\u00e0 <br><\/em><\/p>\n\n\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wrapper-crispybacon-class wrapper-crispybacon-class-wide \">\n    \n\n<p class=\"has-small-font-size\"><em>Reformes al local comprat pel Grup Cooperatiu Ecos al carrer Casp de Barcelona<\/em><\/p>\n\n\n<\/div><\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Descobreix el <a href=\"https:\/\/fets.org\/wp-content\/uploads\/2026\/10\/Barometre2026_alta_compressed.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Bar\u00f2metre<\/a> complet.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-4 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"563\" data-id=\"395544\" src=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/portada-catala\u0300-1024x563.webp\" alt=\"Bar\u00f2metre de les finances \u00e8tiques 2026\" class=\"wp-image-395544\" srcset=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/portada-catala\u0300-1024x563.webp 1024w, https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/10\/portada-catala\u0300-300x165.webp 300w, 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