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helen

--- Hello. Today I’m going to talk about the economic benefits that dollarization has brought to El Salvador. // Since the adoption of the U.S. dollar in 2001, the country has experienced several positive changes — from improved price stability to stronger trade relationships. // While the decision to dollarize was controversial at the time, the long-term results have proven beneficial in many ways. // One of the biggest advantages was price stability. // Before dollarization, El Salvador struggled with high and unpredictable inflation. // Prices would rise quickly, affecting the cost of food, housing, and everyday items. // In the 1980s, inflation often reached double digits. // After switching to the U.S. dollar, inflation dropped dramatically and became more stable. // This helped people manage their money better and plan for the future. // Another major benefit was the reduction of interest rates. // Before dollarization, borrowing money was expensive. // Interest rates were high and loan terms were short. // Mortgages had rates as high as 20 percent and only 5 years to repay. // After dollarization, rates fell and repayment periods became longer. // This helped people buy homes, start businesses, and improve their lives. // Dollarization also simplified remittance transfers. // Before, families received dollars, but had to convert them into colones. // They lost money in the exchange process. // Now, remittances arrive in dollars, with no value lost. // This change helps millions of Salvadoran families every month. // Trade also became easier after dollarization. // Since El Salvador and the U.S. share the same currency, companies no longer have to worry about exchange rate changes. // This made imports and exports faster and more predictable. // It also helped Salvadoran businesses grow and compete globally. // Foreign investment also increased. // Investors feel safer in countries that use stable currencies. // With the U.S. dollar, El Salvador attracted more investment. // Money flowed into sectors like manufacturing, tourism, and banking. // This helped create jobs and boost economic development. // Another key result was stronger fiscal discipline. // Since El Salvador doesn’t print its own money anymore, the government must manage its budget more responsibly. // This built more trust with international lenders and investors. // Finally, dollarization protected the country from global crises. // During times of financial instability, El Salvador remained more stable compared to other countries. // In conclusion, dollarization brought many long-term benefits to El Salvador: stable prices, low inflation, better credit, more trade, and stronger investment. // It also increased trust and protected the economy during hard times. // Although dollarization is not perfect, its benefits have been significant. // Thank you. //