Debemos emplear nuestros valores católicos para facilitar la transformación de nuestro capital. Podemos hacer que nuestro dinero trabaje para todos nosotros –para nuestro planeta, nuestras escuelas, iglesias y hospitales, pero sobre todo para los pobres, los que más han sufrido–.
Doug Demeo

New Jersey / Economía – Hace algunos años, cuando trabajaba para una firma que se especializa en inversión responsable, me fue asignada la tarea de buscar clientes potenciales en el área del gran Boston. Empecé contactando a los representantes de instituciones católicas locales con la esperanza de conversar sobre estrategias de inversión afines con la doctrina social de la Iglesia. Para mi sorpresa, las personas a las que contacté eran escépticas sobre la aplicación de los principios de la fe a decisiones económicas. “No mezclo ambas cosas”, dijo un diácono. Otra persona sugirió que la introducción de valores sociales de religiosos en la inversión era sólo una manera de “suavizar” los objetivos de la inversión.

Desgraciadamente, estos no eran casos aislados. Mucha gente de instituciones católicas con la que conversé tenía reparos en apoyar inversiones apoyadas en la fe. ¿Cómo puede vencerse esto? El reciente colapso económico ofrece una nueva oportunidad para re-examinar las estrategias de inversión católica. Los fondos donados a colegios, universidades, hospitales y diócesis católicas han sufrido importantes mermas. Dado que estos portafolios han disminuido, quizás ideas frescas sobre qué constituye la inversión de largo plazo y de valor capturará el interés de los líderes católicos. Este es el momento para volver a examinar cuán bien las estrategias de inversión de instituciones católicas reflejan los valores ecológicos y sociales de la Iglesia.

En Progressive Asset Management, la firma para la cual trabajaba en Wellesley, Massachussets, apoyábamos la inversión con responsabilidad social (S.R.I., por sus siglas in inglés) –fondos mutuos que además del criterio financiero empleaban una vasta gama de estándares sociales y éticos para evaluar en qué valores invertir. Los ejecutivos de S.R.I. analizan cuidadosamente las condiciones laborales, la administración medioambiental, las gratificaciones pagadas a los ejecutivos y otros aspectos de un negocio para determinar su idoneidad. Además, mantienen contacto con los dirigentes de las compañías, una importante práctica conocida como apoyo a los accionistas, sobre temas éticos que inevitablemente tienen influencia en el resultado final.

Para todos aquellos con los que conversé –miembros del consejo de administración de las universidades, administradores parroquiales y de hospitales y dirigentes de las arquidiócesis- lo principal era el retorno constante de sus inversiones. Este único punto parece haber eclipsado otras preocupaciones fundamentales de la doctrina social de la Iglesia. Por cierto, algunas instituciones católicas como la Arquidiócesis de Boston usan filtros para eliminar a las tabacaleras y las compañías farmacéuticas que producen fármacos abortivos de su portafolio de inversiones. Sin embargo, este enfoque no es suficiente para aplicar todo el espectro de las enseñanzas de la Iglesia en las decisiones de inversión.

En contraste, los enfoques de inversión multidimensional identifican pasivos y oportunidades que el análisis financiero tradicional pasa por alto con mucha frecuencia. Puede que en el pasado el impacto de una compañía en el medioambiente hayan tenido escasa trascendencia para las compañías de inversiones más influyentes del mercado, pero ahora están en la línea de ponerse al día con ejecutivos de inversión socialmente responsable que hace mucho comprendieron el rol fundamental que juegan los factores ecológicos en la viabilidad fiscal de una empresa. Estos ejecutivos, y de manera creciente, los inversionistas más influyentes también están aplicando criterios éticos a áreas como las escalas de sueldos y las gratificaciones de los ejecutivos. Por ejemplo, miran a compañías como KLD Research & Analytics Inc., que llevan un meticuloso seguimiento (y registro) de la historia de la integridad de los productos y servicios de las empresas públicas, las relaciones con la comunidad y otras materias que preocupan a los que tienen interés en la empresa.

UN SUPLEMENTO ÚTIL

Cuando se trata de la salud corporativa de holdings de inversiones, la evaluación del desempeño social y medioambiental jamás sustituye el análisis financiero serio. En cambio, complementa el análisis tradicional de manera tal que mide la verdadera fortaleza financiera de la compañía. Matthew J. Kiernan, fundador y presidente de Innovest Strategic Value Advisors es quizás el defensor más importante de esta perspectiva. En su libro Investing in a Sustainable World: Why Green Is the New Color of Money on Wall Street, Kiernan escribe: “Las empresas con mejor desempeño y posicionamiento en cuanto a ‘sustentabilidad’… obtuvieron, en promedio, resultados financieros mucho mejores”. Estudios hechos en The SRI Advantage, editado por Peter Camejo apoyan el argumento de Kiernan. Las inversiones que se relacionan con las necesidades de las personas y del planeta tienen excelentes oportunidades de florecer. De hecho, Kiernan y Camejo sostienen que las empresas que adoptan un enfoque sustentable de la inversión, tanto social como medioambientalmente, a la larga tendrán más beneficios que sus contrapartes que sólo están orientadas hacia el mercado.

¿Qué exactamente se entiende por sustentabilidad? El informe de la Comisión Brundtland sobre el desarrollo económico global la define como un esfuerzo que “satisface las necesidades de los presentes sin comprometer la posibilidad de las generaciones futuras para satisfacer las suyas”. El informe, titulado Nuestro futuro común (1987), explica cómo la economía y la ecología están profundamente interrelacionadas. Cuando las selvas tropicales son destruidas para satisfacer beneficios de corto plazo, se compromete la salud de los ecosistemas, incluidas las poblaciones humanas, y la base de toda la actividad económica se debilita severamente. La decadencia medioambiental de nuestros océanos plantea amenazas similares a la sustentabilidad. ¿Cómo deben enfrentarse estos desafíos?

El liderazgo político serio es esencial. Si se aplica de manera prudente, el gasto público y los créditos fiscales pueden ayudar a guiar a las empresas a tomar decisiones a favor del interés de largo plazo del planeta y la comunidad humana. El gobierno hace mucho que ha aportado con subsidios directos e indirectos a las industrias estadounidenses –por ejemplo la industria automotriz y de computadores- para asegurar la expansión industrial del país, buenos trabajos y estabilidad fiscal. Bajo la administración de Obama, el gobierno está usando estas herramientas para promover la sustentabilidad. Por su naturaleza intrínseca como catalizador para el crecimiento, la industria de la inversión está bien posicionada para liderar el giro ecológico de los emprendimientos, y la Casa Blanca parece que también está consciente de este hecho.

Van Jones, que anteriormente fue asesor de la Casa Blanca en temas de empleo, emprendimiento e innovación, y autor de Green Collar Economy: How One Solution Can Fix our Two Biggest Problems, es un gran defensor de la inversión ecológica. Plantea un enfoque integral hacia las personas y el planeta de parte de los liderazgos políticos y económicos. En su libro se centra en la dignidad de los trabajadores y de las comunidades pobres. Ya sea hablando de jardines urbanos orgánicos, la actualización o preparación de construcciones para las inclemencias del tiempo en edificios que muestran gran consumo de energía o la revolución empresarial en energía renovable, Van Jones está consciente de la importancia de la fe y la justicia en el logro de la sustentabilidad, especialmente para aquellas personas que más han sufrido por la globalización corporativa. Escribe: “Nos podemos imaginar a personas que antes estaban encarceladas siendo trasladadas de celdas carcelarias a celdas solares –ayudando a cosechar el sol, sanar la tierra y reparar sus propias almas–. Podemos ayudar a las comunidades locales a unir las manos –cruzando las líneas del color y la clase– para honrar a la Tierra, crear nuevos trabajos y reducir la violencia en la comunidad”.

DATOS PARA INSTITUCIONES CATÓLICAS

A las instituciones católicas les recomiendo un enfoque triple para incrementar sus aportes de una manera que impulse y realce la doctrina social de la Iglesia.

Primero, destinar entre el 5% y el 10% de los actives en instrumentos “de inversión en la comunidad” de renta fija. La inversión en la comunidad promueve fuertes lazos entre las comunidades de bajos ingresos, compañías de desarrollo sin fines de lucro y sus inversionistas institucionales o individuales. A diferencia de las “hipotecas tóxicas”, la inversión en la comunidad se construye sobre la base de la buena fe –y el buen crédito. Agradece el desvanecimiento de los incentivos que aprovecharon los inversionistas y filántropos tradicionales (¡gana dinero e invierte en cambio social!) y permite elegir adónde queremos poner nuestro dinero.

Calvert Group es una compañía que facilita la inversión en la comunidad. Con una tasa de retorno del 99,8% y un rendimiento modesto de entre el 1 al 3%, dependiendo de lo que elija el inversionista, Calvert proporciona apoyo financiero a organizaciones sin fines de lucro como Boston Community Capital o Accion International. Boston Community Capital ayuda organizaciones existentes o nuevas que tienen una misión social o medioambiental en el noreste de los Estados Unidos, y Accion hace lo mismo en el mundo en vías de desarrollo.

Segundo, invertir al menos el 50% de los activos en acciones o fondos mutuos sustentables medioambientalmente. Esto no es tan difícil como parece: más y más negocios están explorando maneras de hacer que sus operaciones sean sustentables medioambientalmente. Por ejemplo, tomemos el compromiso asumido por los altos ejecutivos de Wal-Mart en octubre de 2005 para convertir todas sus tiendas al uso de energía renovable en un 100% y lograr la marca de “cero desperdicio” en todas sus operaciones. De acuerdo a algunas mediciones, Wal-Mart va directamente en esa dirección. (Por supuesto que aún queda pendiente el tema de sus prácticas laborales globales). Incluso General Electric, que alguna vez hizo noticia por haber contaminado vías fluviales, está dando grandes pasos hacia la sustentabilidad. La compañía ha hecho cuestión –como también lo ha hecho I.B.M.- de integrar tecnologías verdes como turbinas eólicas y paneles solares con la nueva grilla de energías renovables que está conectado empresas y hogares en todo Estados Unidos. Este hecho podría calificar G.E. como una “compañía verde”, a pesar que al igual que Wal-Mart, todavía hay pendientes temas como sus prácticas corporativas. (New Alternatives Fund y Portfolio 21 son dos firmas de inversión social verde que no incluyen a G.E. en su portafolio, principalmente por la participación de la compañía en la fabricación de armas).

Tercero, priorizar dos o tres temas de compromiso corporativo serio a través del diálogo y el apoyo. Colegios, universidades y diócesis deberían considerar formar alianzas con el Interfaith Center for Corporate Responsibility de Nueva York y el National Jesuit Committee for Investment Responsibility. Durante años, ambos grupos han estado activamente comprometidos en campañas corporativas a favor de los derechos humanos, los derechos laborales y la apremiante situación de los pacientes con H.I.V./SIDA. Algunas universidades jesuitas –como Creighton, San Francisco y Marquette– han colaborado de manera importante con el N.J.C.I.R. para elevar el perfil de temas de importancia para los accionistas. La Universidad de Notre Dame también tiene una política de inversiones relacionada con la fe y su misión.

En algunas circunstancias, como durante el movimiento anti-apartheid de los ’80, la manera más efectiva en que una institución católica puede influenciar un cambio puede ser la de deshacerse completamente de las acciones de una corporación en particular. La Universidad de Santa Clara ha adoptado esta posición en oposición a la insidiosa práctica de destruir las cimas de las montañas en los Apalaches centrales. Aproximadamente unas 800 millas cuadradas de los Apalaches han sido destruidos con explosivos para acceder a delgadas vetas de carbón de manera más barata. Las enormes cantidades de tierra y escombros es depositada en los valles adyacentes a través de gigantescas grúas, tapando arroyos y ríos y provocando inundaciones, entre otros efectos adversos. Cuando los alumnos de Santa Clara instaron a la universidad a que se deshiciera de sus activos en Massey Energy –la empresa que más ha abusado de la práctica de destrucción de las cimas en la minería en los Apalaches – Michael Engh, S.J., el rector de la universidad, estudió el caso y accedió a la solicitud.

Patricia Daly, O.P., directora ejecutiva del Tri-State Coalition for Responsible Investment —el brazo católico del Interfaith Center for Corporate Responsibility en New York— aboga por un enfoque diferente. En tanto accionista de Massey Energy stock, el I.C.C.R. ha empezado a comprometer a los directivos de la compañía en relación a los peligros medioambientales de la destrucción de las cimas y a advertir que deshacerse de esas acciones por parte de inversionistas preocupados por el tema dejaría a Massey con escaso incentivo para cambiar sus prácticas. El apoyo de los accionistas puede tomar tiempo, advierten, pero puede funcionar. Por ejemplo, el I.C.C.R. tuvo éxito en convencer a la Coca-Cola para que revisara sus políticas de abusos de los derechos humanos en sus plantas en Colombia, y el National Jesuit Committee for Investment Responsibility ha hecho lobby con Abbott Laboratories para lograr que se lleven a cabo pruebas y tratamientos contra el SIDA asequibles África.

Mientras se puede discutir sobre la conveniencia de despojarse de los activos, las instituciones católicas no pueden seguir ignorando la conveniencia de la inversión con responsabilidad social. Ser propietario de acciones de compañías como Massey Energy con el único propósito de tener un beneficio económico es sintomático de la estrechez del enfoque de los análisis que ha sido la regla general en las principales compañías de inversión. Como representantes de instituciones religiosas, hemos permitido un divorcio entre nuestros compromisos de fe y nuestros objetivos financieros y ahora debemos comunicar nuestros valores con mayor claridad que nunca a los que manejan nuestro dinero.

En este siglo de crisis planetaria, en el que las guerras por el agua quizás serán más brutales que aquellas por el petróleo, no se puede hacer suficiente hincapié en la importancia de la sustentabilidad. A menos que la industria financiera sea modificada, nos seguirá arrastrando al aviso del desastre ecológico. Con la globalización nos hemos ido acostumbrando al flujo de capital indiscriminado y predador, pero también hemos visto a los pueblos indígenas, a las organizaciones no-gubernamentales, a grupos de trabajadores y de fe resistirse a este desarrollo. Ahora debemos emplear nuestros valores católicos para facilitar la transformación de nuestro capital. Podemos hacer que nuestro dinero trabaje para todos nosotros –para nuestro planeta, nuestras escuelas, iglesias y hospitales, pero sobre todo para los pobres, los que más han sufrido por causa de la inversión demasiado convencional–.
_____________________
Doug Demeo es subdirector del ministerio del campus en Saint Peter’s College, Jersey City, N.J., y miembro de Greenfaith, una coalición interreligiosa pro-medioambiente. Publicado en revista America, www.americamagazine.org


 
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