VISIONES DE LA EDUCACION FINANCIERA: Analisis y perspectivas.

Este libro es el resultado de un trabajo de investigación por parte de todos los autores quienes integraron los capítulos, por lo que agradecemos su confianza e interés para ser parte de este gran proyecto académico. Gracias a los enlaces de cada una de las Instituciones que aceptaron respaldar este libro: Marlen Rocío Reyes Hernández, Profesora-Investigadora de la Universidad Autónoma del Estado de México; Rogelio Valenzuela Díaz, Decano de la Facultad de Economía de la Universidad de Panamá; Samuel Alberto Moreno Peralta, Presidente del Colegio de Economistas de Panamá, a los miembros de la Asociación Mexicana de Especialistas en Educación Financiera, Asociación Valor México y la Federación de Economistas de la República Mexicana. Asimismo, hacemos una deferencia a los jóvenes talentosos que acompañaron en la coordinación del documento final, entrañables alumnos, becarios y amigos: Julio César Silva Vázquez y Alfredo Larry Vargas Hernández, que estamos convencidas que alcanzarán todas sus metas que se propongan en la vida. También es necesario reconocer a nuestras amadas familias que compartieron el tiempo de convivencia, para que lográramos la realización de este libroVisiones de la educación financiera: análisis y perspectivas es una obra que enmarca la importancia de la educación financiera en la sociedad en el contexto actual. Las decisiones que en este tema realiza un individuo pueden impactar positiva o negativamente su estabilidad económica por un periodo indeterminado, es aquí cuando la educación financiera actúa como una herramienta trascendental en su bienestar personal. Además de tener la función de armadura ante las batallas que se libran en los mercados —como la crisis financiera de 2008— funge como dinamizador de las economías al potenciar los proyectos de inversión con el aumento del emprendedurismo, impactando así en las variables macroeconómicas. Esta área del conocimiento ha adquirido importancia y popularidad a nivel internacional a raíz de las crisis económicas de los últimos años, sin embargo, aún existen, entre otras, brechas sociodemográficas, culturales, económicas, que no permiten el acceso a estas enseñanzas, excluyendo parte de la población del proceso del bienestar económico. Para ejemplificar esta desigualdad, en los capítulos se plasma un panorama internacional de la educación financiera, considerando las implicaciones y retos que han tenido las estrategias nacionales de educación financiera a nivel mundial

Apixaban versus warfarin in patients with atrial fibrillation

BACKGROUND: Vitamin K antagonists are highly effective in preventing stroke in patients with atrial fibrillation but have several limitations. Apixaban is a novel oral direct factor Xa inhibitor that has been shown to reduce the risk of stroke in a similar population in comparison with aspirin. METHODS: In this randomized, double-blind trial, we compared apixaban (at a dose of 5 mg twice daily) with warfarin (target international normalized ratio, 2.0 to 3.0) in 18,201 patients with atrial fibrillation and at least one additional risk factor for stroke. The primary outcome was ischemic or hemorrhagic stroke or systemic embolism. The trial was designed to test for noninferiority, with key secondary objectives of testing for superiority with respect to the primary outcome and to the rates of major bleeding and death from any cause. RESULTS: The median duration of follow-up was 1.8 years. The rate of the primary outcome was 1.27% per year in the apixaban group, as compared with 1.60% per year in the warfarin group (hazard ratio with apixaban, 0.79; 95% confidence interval [CI], 0.66 to 0.95; P<0.001 for noninferiority; P = 0.01 for superiority). The rate of major bleeding was 2.13% per year in the apixaban group, as compared with 3.09% per year in the warfarin group (hazard ratio, 0.69; 95% CI, 0.60 to 0.80; P<0.001), and the rates of death from any cause were 3.52% and 3.94%, respectively (hazard ratio, 0.89; 95% CI, 0.80 to 0.99; P = 0.047). The rate of hemorrhagic stroke was 0.24% per year in the apixaban group, as compared with 0.47% per year in the warfarin group (hazard ratio, 0.51; 95% CI, 0.35 to 0.75; P<0.001), and the rate of ischemic or uncertain type of stroke was 0.97% per year in the apixaban group and 1.05% per year in the warfarin group (hazard ratio, 0.92; 95% CI, 0.74 to 1.13; P = 0.42). CONCLUSIONS: In patients with atrial fibrillation, apixaban was superior to warfarin in preventing stroke or systemic embolism, caused less bleeding, and resulted in lower mortality. Copyright © 2011 Massachusetts Medical Society. All rights reserved

Apixaban compared with warfarin in patients with atrial fibrillation and previous stroke or transient ischaemic attack: A subgroup analysis of the ARISTOTLE trial

Background: In the ARISTOTLE trial, the rate of stroke or systemic embolism was reduced by apixaban compared with warfarin in patients with atrial fibrillation (AF). Patients with AF and previous stroke or transient ischaemic attack (TIA) have a high risk of stroke. We therefore aimed to assess the efficacy and safety of apixaban compared with warfarin in prespecified subgroups of patients with and without previous stroke or TIA. Methods: Between Dec 19, 2006, and April 2, 2010, patients were enrolled in the ARISTOTLE trial at 1034 clinical sites in 39 countries. 18 201 patients with AF or atrial flutter were randomly assigned to receive apixaban 5 mg twice daily or warfarin (target international normalised ratio 2·0-3·0). The median duration of follow-up was 1·8 years (IQR 1·4-2·3). The primary efficacy outcome was stroke or systemic embolism, analysed by intention to treat. The primary safety outcome was major bleeding in the on-treatment population. All participants, investigators, and sponsors were masked to treatment assignments. In this subgroup analysis, we estimated event rates and used Cox models to compare outcomes in patients with and without previous stroke or TIA. The ARISTOTLE trial is registered with ClinicalTrials.gov, number NTC00412984. Findings: Of the trial population, 3436 (19%) had a previous stroke or TIA. In the subgroup of patients with previous stroke or TIA, the rate of stroke or systemic embolism was 2·46 per 100 patient-years of follow-up in the apixaban group and 3·24 in the warfarin group (hazard ratio [HR] 0·76, 95% CI 0·56 to 1·03); in the subgroup of patients without previous stroke or TIA, the rate of stroke or systemic embolism was 1·01 per 100 patient-years of follow-up with apixaban and 1·23 with warfarin (HR 0·82, 95% CI 0·65 to 1·03; p for interaction=0·71). The absolute reduction in the rate of stroke and systemic embolism with apixaban versus warfarin was 0·77 per 100 patient-years of follow-up (95% CI -0·08 to 1·63) in patients with and 0·22 (-0·03 to 0·47) in those without previous stroke or TIA. The difference in major bleeding with apixaban compared with warfarin was 1·07 per 100 patient-years (95% CI 0·09-2·04) in patients with and 0·93 (0·54-1·32) in those without previous stroke or TIA. Interpretation: The effects of apixaban versus warfarin were consistent in patients with AF with and without previous stroke or TIA. Owing to the higher risk of these outcomes in patients with previous stroke or TIA, the absolute benefits of apixaban might be greater in this population. Funding: Bristol-Myers Squibb and Pfizer. © 2012 Elsevier Ltd