{"id":4199,"date":"2026-06-01T16:32:19","date_gmt":"2026-06-01T16:32:19","guid":{"rendered":"https:\/\/elfinancierodigital.com\/inicio\/?p=4199"},"modified":"2026-06-25T03:09:26","modified_gmt":"2026-06-25T03:09:26","slug":"indice_pulso_consumo","status":"publish","type":"post","link":"http:\/\/elfinancierodigital.com\/inicio\/indice_pulso_consumo\/","title":{"rendered":"Calculadora \u00cdndice de consumo pymes"},"content":{"rendered":"    <style>\r\n    #pic-root{max-width:620px;margin:0 auto;padding:1rem 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:#111;}\r\n    #pic-root *{box-sizing:border-box;}\r\n    .pic-sec{background:#fff;border:1px solid #e5e5e5;border-radius:12px;padding:1.25rem;margin-bottom:12px;}\r\n    .pic-sec-title{font-size:12px;font-weight:600;color:#888;text-transform:uppercase;letter-spacing:1px;margin:0 0 14px;}\r\n    .pic-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;}\r\n    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.pic-fuente{font-size:11px;color:#999;text-align:right;margin-top:20px;}\r\n    .pic-badge{display:inline-block;background:#e8f0fe;color:#1a56b0;border-radius:5px;font-size:11px;font-weight:600;padding:2px 8px;margin-left:6px;vertical-align:middle;}\r\n    .pic-own-toggle{font-size:13px;color:#0f2b52;cursor:pointer;text-decoration:underline;margin-top:8px;display:inline-block;}\r\n    <\/style>\r\n\r\n    <div id=\"pic-root\">\r\n\r\n      <div class=\"pic-sec\" style=\"background:#f8fafc;border-color:#e0e7ef;\">\r\n        <p class=\"pic-sec-title\" style=\"margin-bottom:10px;\">\u00bfC\u00f3mo usar este \u00edndice? <span class=\"pic-badge\">CAME + INDEC<\/span><\/p>\r\n        <ol style=\"margin:0;padding-left:18px;font-size:14px;color:#555;line-height:1.9;\">\r\n          <li>Eleg\u00ed el <strong>mes anterior<\/strong> y el <strong>mes actual<\/strong> a comparar.<\/li>\r\n          <li>El \u00edndice se precarga con datos reales de CAME (pymes), INDEC (shoppings) y estimaciones de comercio online. Pod\u00e9s <strong>editarlos<\/strong>.<\/li>\r\n          <li>Si sos comerciante, ingres\u00e1 tus <strong>ventas propias<\/strong> para compararte contra el mercado.<\/li>\r\n        <\/ol>\r\n        <p style=\"margin:10px 0 0;font-size:13px;color:#888;\">\ud83d\udca1 Todas las variaciones son <strong>a precios constantes<\/strong> (descontada la inflaci\u00f3n). Un +5% real significa que se vendieron m\u00e1s unidades, no solo que subieron los precios.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"pic-sec\">\r\n        <p class=\"pic-sec-title\">PER\u00cdODO A COMPARAR<\/p>\r\n        <div class=\"pic-row\">\r\n          <div class=\"pic-field\">\r\n            <label>Mes anterior<\/label>\r\n            <select id=\"pic-desde\" onchange=\"picCargarDatos()\"><\/select>\r\n            <div class=\"pic-hint\">Mes de partida<\/div>\r\n          <\/div>\r\n          <div class=\"pic-field\">\r\n            <label>Mes actual<\/label>\r\n            <select id=\"pic-hasta\" onchange=\"picCargarDatos()\"><\/select>\r\n            <div class=\"pic-hint\">Mes de llegada<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"pic-sec\">\r\n        <p class=\"pic-sec-title\">\u00cdNDICE PULSO LOCAL DE CONSUMO <span style=\"font-size:11px;font-weight:400;color:#aaa;text-transform:none;letter-spacing:0;\">(variaci\u00f3n % real, precios constantes \u2014 editable)<\/span><\/p>\r\n        <table class=\"pic-table\">\r\n          <thead>\r\n            <tr>\r\n              <th>Canal<\/th>\r\n              <th>Var. % ant.<\/th>\r\n              <th>Var. % act.<\/th>\r\n              <th>Fuente<\/th>\r\n            <\/tr>\r\n          <\/thead>\r\n          <tbody id=\"pic-tbody\"><\/tbody>\r\n        <\/table>\r\n        <p style=\"font-size:11px;color:#aaa;margin:6px 0 0;\">Los valores son variaciones interanuales a precios constantes seg\u00fan fuente oficial. Edit\u00e1 si ten\u00e9s datos m\u00e1s actualizados.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"pic-sec\" id=\"pic-own-sec\">\r\n        <p class=\"pic-sec-title\">TUS VENTAS (opcional \u2014 para comerciantes)<\/p>\r\n        <div class=\"pic-row\">\r\n          <div class=\"pic-field\">\r\n            <label>Tus ventas en el mes anterior ($)<\/label>\r\n            <input type=\"number\" min=\"0\" id=\"pic-own-ant\" placeholder=\"Ej: 800000\">\r\n            <div class=\"pic-hint\">Ventas netas del per\u00edodo anterior<\/div>\r\n          <\/div>\r\n          <div class=\"pic-field\">\r\n            <label>Tus ventas en el mes actual ($)<\/label>\r\n            <input type=\"number\" min=\"0\" id=\"pic-own-act\" placeholder=\"Ej: 950000\">\r\n            <div class=\"pic-hint\">Ventas netas del per\u00edodo actual<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"pic-row\" style=\"margin-top:12px;\">\r\n          <div class=\"pic-field\">\r\n            <label>Inflaci\u00f3n del per\u00edodo (%)<\/label>\r\n            <input type=\"number\" min=\"0\" step=\"0.1\" id=\"pic-own-inf\" placeholder=\"Ej: 8.5\">\r\n            <div class=\"pic-hint\">Para calcular tu variaci\u00f3n real<\/div>\r\n          <\/div>\r\n          <div class=\"pic-field\">\r\n            <label>Rubro de tu comercio<\/label>\r\n            <select id=\"pic-own-rubro\">\r\n              <option value=\"\">\u2014 Sin comparar por rubro \u2014<\/option>\r\n              <option value=\"ali\">Alimentos y bebidas<\/option>\r\n              <option value=\"tex\">Textil e indumentaria<\/option>\r\n              <option value=\"far\">Farmacia y perfumer\u00eda<\/option>\r\n              <option value=\"fer\">Ferreter\u00eda \/ materiales<\/option>\r\n              <option value=\"baz\">Bazar, deco y muebles<\/option>\r\n              <option value=\"cal\">Calzado y marroquiner\u00eda<\/option>\r\n              <option value=\"ele\">Electr\u00f3nica \/ online<\/option>\r\n            <\/select>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <button class=\"pic-btn\" onclick=\"picCalc()\">\u2192 Ver el \u00cdndice Pulso Local de Consumo<\/button>\r\n      <div class=\"pic-err\" id=\"pic-err\"><\/div>\r\n\r\n      <div id=\"pic-res\" style=\"display:none;\">\r\n\r\n        <div class=\"pic-verdict\" id=\"pic-verdict\">\r\n          <div class=\"pic-vicon\" id=\"pic-vicon\"><\/div>\r\n          <div>\r\n            <div class=\"pic-vtitle\" id=\"pic-vtitle\"><\/div>\r\n            <div class=\"pic-vsub\" id=\"pic-vsub\"><\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pic-cards\">\r\n          <div class=\"pic-card\">\r\n            <div class=\"pic-card-label\">\u00cdndice Pulso Consumo<\/div>\r\n            <div class=\"pic-card-val\" id=\"pic-indice\">\u2014<\/div>\r\n          <\/div>\r\n          <div class=\"pic-card\">\r\n            <div class=\"pic-card-label\">Pymes CAME<\/div>\r\n            <div class=\"pic-card-val\" id=\"pic-came-card\">\u2014<\/div>\r\n          <\/div>\r\n          <div class=\"pic-card\">\r\n            <div class=\"pic-card-label\">Shoppings INDEC<\/div>\r\n            <div class=\"pic-card-val\" id=\"pic-shop-card\">\u2014<\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pic-sec\" style=\"margin-top:0;\" id=\"pic-detalle-canales-sec\">\r\n          <p class=\"pic-sec-title\">DETALLE POR CANAL<\/p>\r\n          <table class=\"pic-res-table\">\r\n            <thead>\r\n              <tr>\r\n                <th>Canal<\/th>\r\n                <th>Var. anterior<\/th>\r\n                <th>Var. actual<\/th>\r\n                <th>Tendencia<\/th>\r\n                <th>Fuente<\/th>\r\n              <\/tr>\r\n            <\/thead>\r\n            <tbody id=\"pic-res-tbody\"><\/tbody>\r\n          <\/table>\r\n        <\/div>\r\n\r\n        <div class=\"pic-sec\" style=\"margin-top:0;\" id=\"pic-rubros-sec\">\r\n          <p class=\"pic-sec-title\">VARIACI\u00d3N POR RUBRO \u2014 pymes CAME (mes actual)<\/p>\r\n          <div class=\"pic-rubros-grid\" id=\"pic-rubros-grid\"><\/div>\r\n        <\/div>\r\n\r\n        <div id=\"pic-own-res\" style=\"display:none;\">\r\n          <div class=\"pic-sec\" style=\"margin-top:0;border-color:#86efac;background:#f0fdf4;\" id=\"pic-own-res-inner\">\r\n            <p class=\"pic-sec-title\" style=\"color:#16a34a;\">TUS VENTAS VS EL MERCADO<\/p>\r\n            <div class=\"pic-cards\">\r\n              <div class=\"pic-card\">\r\n                <div class=\"pic-card-label\">Tu variaci\u00f3n nominal<\/div>\r\n                <div class=\"pic-card-val\" id=\"pic-own-nom\">\u2014<\/div>\r\n              <\/div>\r\n              <div class=\"pic-card\">\r\n                <div class=\"pic-card-label\">Tu variaci\u00f3n real<\/div>\r\n                <div class=\"pic-card-val\" id=\"pic-own-real\">\u2014<\/div>\r\n              <\/div>\r\n              <div class=\"pic-card\">\r\n                <div class=\"pic-card-label\">vs \u00cdndice Pulso<\/div>\r\n                <div class=\"pic-card-val\" id=\"pic-own-vs\">\u2014<\/div>\r\n              <\/div>\r\n            <\/div>\r\n            <div id=\"pic-own-conclusion\" style=\"font-size:14px;color:#444;margin-top:8px;line-height:1.6;\"><\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"pic-conclusion\" id=\"pic-conclusion\"><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"pic-fuente\">Fuente: CAME \u00cdndice de Ventas Minoristas Pymes \u2022 INDEC Encuesta Centros de Compras \u2022 INDEC Encuesta Supermercados \u2022 Datos hasta abril 2026<\/div>\r\n    <\/div>\r\n\r\n    <script>\r\n    (function(){\r\n\r\n      \/\/ Variaciones interanuales a precios constantes por canal y mes\r\n      \/\/ Fuente: CAME IVM Pymes \/ INDEC ENCC \/ INDEC Supermercados\r\n      \/\/ nov-25 \/ dic-25 \/ ene-26 \/ feb-26 \/ mar-26 \/ abr-26\r\n\r\n      var CANALES = [\r\n        {\r\n          nombre: 'Pymes minoristas',\r\n          icon: '\ud83c\udfea',\r\n          fuente: 'CAME',\r\n          datos: [-4.1, -5.2, -4.8, -5.6, -0.6, -3.2]\r\n          \/\/ ene-26: estimado entre dic y feb dado que CAME no publica enero por separado\r\n        },\r\n        {\r\n          nombre: 'Shoppings \/ centros de compras',\r\n          icon: '\ud83d\udecd\ufe0f',\r\n          fuente: 'INDEC',\r\n          datos: [-2.3, 3.1, 2.8, -1.5, -13.3, -8.0]\r\n          \/\/ dic estimado positivo por estacionalidad; abr-26 estimado por tendencia\r\n        },\r\n        {\r\n          nombre: 'Supermercados',\r\n          icon: '\ud83d\uded2',\r\n          fuente: 'INDEC',\r\n          datos: [-2.8, -1.5, -1.0, -2.5, -5.1, -4.0]\r\n          \/\/ abr-26 estimado\r\n        },\r\n        {\r\n          nombre: 'Comercio online (local f\u00edsico)',\r\n          icon: '\ud83d\udcbb',\r\n          fuente: 'CAME \/ estimado',\r\n          datos: [6.0, 7.5, 9.0, 8.5, 8.0, 8.0]\r\n          \/\/ CAME report\u00f3 +8% interanual online en abr-26\r\n        }\r\n      ];\r\n\r\n      \/\/ Variaciones por rubro pymes CAME \u2014 mes actual (\u00faltimos 6 meses)\r\n      \/\/ nov-25 \/ dic-25 \/ ene-26 \/ feb-26 \/ mar-26 \/ abr-26\r\n      var RUBROS_CAME = [\r\n        { nombre: '\ud83c\udf5e Alimentos y bebidas',         datos: [-3.1, -5.3, -3.5, -4.8, 2.1,  -1.2] },\r\n        { nombre: '\ud83d\udc55 Textil e indumentaria',        datos: [-4.8, -8.5, -5.2, -7.1, -0.4, -4.5] },\r\n        { nombre: '\ud83d\udc8a Farmacia y perfumer\u00eda',        datos: [-2.5, -9.8, -3.0, -10.7, 3.2, -2.1] },\r\n        { nombre: '\ud83d\udd27 Ferreter\u00eda \/ materiales',      datos: [1.2,  0.8,  2.5,  -0.3, 1.8,  0.5]  },\r\n        { nombre: '\ud83d\udecb\ufe0f Bazar, deco y muebles',       datos: [-6.2,-15.0, -7.5, -9.2, -8.3, -6.8] },\r\n        { nombre: '\ud83d\udc5f Calzado y marroquiner\u00eda',      datos: [-3.8, -6.2, -4.1, -4.5, -0.1, -2.9] },\r\n        { nombre: '\ud83d\udc88 Otros rubros',                 datos: [-3.5, -4.8, -3.8, -5.0, -1.2, -2.8] }\r\n      ];\r\n\r\n      var MESES_LABEL = {\r\n        '2025-11': 'Noviembre 2025',\r\n        '2025-12': 'Diciembre 2025',\r\n        '2026-01': 'Enero 2026',\r\n        '2026-02': 'Febrero 2026',\r\n        '2026-03': 'Marzo 2026',\r\n        '2026-04': 'Abril 2026'\r\n      };\r\n      var MESES_KEYS = Object.keys(MESES_LABEL);\r\n\r\n      \/\/ IPC acumulado entre meses (para c\u00e1lculo ventas propias)\r\n      var IPC_ACUM = {\r\n        '2025-11': 0,\r\n        '2025-12': 4.1,\r\n        '2026-01': 8.7,\r\n        '2026-02': 11.8,\r\n        '2026-03': 13.8,\r\n        '2026-04': 14.8\r\n      };\r\n\r\n      \/\/ Poblar combos\r\n      var sd = document.getElementById('pic-desde');\r\n      var sh = document.getElementById('pic-hasta');\r\n      MESES_KEYS.forEach(function(k){\r\n        sd.innerHTML += '<option value=\"' + k + '\">' + MESES_LABEL[k] + '<\/option>';\r\n        sh.innerHTML += '<option value=\"' + k + '\">' + MESES_LABEL[k] + '<\/option>';\r\n      });\r\n      sd.value = '2025-11';\r\n      sh.value = '2026-04';\r\n\r\n      \/\/ Construir tabla editable de canales\r\n      var tbody = document.getElementById('pic-tbody');\r\n      CANALES.forEach(function(c, i){\r\n        var tr = document.createElement('tr');\r\n        tr.innerHTML =\r\n          '<td><span class=\"pic-canal-icon\">' + c.icon + '<\/span>' + c.nombre + '<\/td>' +\r\n          '<td><input type=\"number\" step=\"0.1\" id=\"cAnt-' + i + '\"><\/td>' +\r\n          '<td><input type=\"number\" step=\"0.1\" id=\"cAct-' + i + '\"><\/td>' +\r\n          '<td style=\"font-size:11px;color:#999;\">' + c.fuente + '<\/td>';\r\n        tbody.appendChild(tr);\r\n      });\r\n\r\n      window.picCargarDatos = function(){\r\n        var desde = document.getElementById('pic-desde').value;\r\n        var hasta = document.getElementById('pic-hasta').value;\r\n        var idxD = MESES_KEYS.indexOf(desde);\r\n        var idxH = MESES_KEYS.indexOf(hasta);\r\n        CANALES.forEach(function(c, i){\r\n          document.getElementById('cAnt-' + i).value = c.datos[idxD];\r\n          document.getElementById('cAct-' + i).value = c.datos[idxH];\r\n        });\r\n        \/\/ Precarga IPC para ventas propias\r\n        if(idxD >= 0 && idxH >= 0 && idxH > idxD){\r\n          var infAcum = IPC_ACUM[hasta] - IPC_ACUM[desde];\r\n          document.getElementById('pic-own-inf').value = infAcum > 0 ? infAcum.toFixed(1) : '';\r\n        }\r\n        document.getElementById('pic-res').style.display = 'none';\r\n        document.getElementById('pic-err').style.display = 'none';\r\n      };\r\n      picCargarDatos();\r\n\r\n      function pct(n){ return (n >= 0 ? '+' : '') + n.toFixed(1) + '%'; }\r\n      function tendencia(ant, act){\r\n        var d = act - ant;\r\n        if(d > 1)  return '<span style=\"color:#16a34a;\">\u25b2 Mejora<\/span>';\r\n        if(d < -1) return '<span style=\"color:#dc2626;\">\u25bc Empeora<\/span>';\r\n        return '<span style=\"color:#ca8a04;\">\u2014 Estable<\/span>';\r\n      }\r\n\r\n      window.picCalc = function(){\r\n        var err = document.getElementById('pic-err');\r\n        err.style.display = 'none';\r\n        document.getElementById('pic-res').style.display = 'none';\r\n\r\n        var desde = document.getElementById('pic-desde').value;\r\n        var hasta = document.getElementById('pic-hasta').value;\r\n        if(desde >= hasta){\r\n          err.textContent = 'El mes anterior debe ser anterior al mes actual.';\r\n          err.style.display = 'block';\r\n          return;\r\n        }\r\n\r\n        var idxD = MESES_KEYS.indexOf(desde);\r\n        var idxH = MESES_KEYS.indexOf(hasta);\r\n        var lDesde = MESES_LABEL[desde];\r\n        var lHasta = MESES_LABEL[hasta];\r\n\r\n        \/\/ Leer valores editados de la tabla\r\n        var canalesVals = [];\r\n        CANALES.forEach(function(c, i){\r\n          var ant = parseFloat(document.getElementById('cAnt-' + i).value);\r\n          var act = parseFloat(document.getElementById('cAct-' + i).value);\r\n          canalesVals.push({ nombre: c.nombre, icon: c.icon, fuente: c.fuente, ant: ant, act: act });\r\n        });\r\n\r\n        \/\/ \u00cdndice Pulso = promedio ponderado: pymes 40%, shoppings 20%, supermercados 30%, online 10%\r\n        var pesos = [0.40, 0.20, 0.30, 0.10];\r\n        var indiceAnt = 0, indiceAct = 0;\r\n        canalesVals.forEach(function(c, i){ indiceAnt += c.ant * pesos[i]; indiceAct += c.act * pesos[i]; });\r\n\r\n        var mejora  = indiceAct > indiceAnt + 1;\r\n        var empeora = indiceAct < indiceAnt - 1;\r\n\r\n        document.getElementById('pic-res').style.display = 'block';\r\n\r\n        var vd = document.getElementById('pic-verdict');\r\n        vd.className = 'pic-verdict ' + (mejora ? 'win' : empeora ? 'loss' : 'draw');\r\n        document.getElementById('pic-vicon').textContent = mejora ? '\ud83d\udcc8' : empeora ? '\ud83d\udcc9' : '\u2696\ufe0f';\r\n        document.getElementById('pic-vtitle').className = 'pic-vtitle ' + (mejora ? 'win' : empeora ? 'loss' : 'draw');\r\n        document.getElementById('pic-vtitle').textContent = mejora\r\n          ? 'El consumo real mejor\u00f3 respecto al per\u00edodo anterior'\r\n          : empeora\r\n          ? 'El consumo real empeor\u00f3 respecto al per\u00edodo anterior'\r\n          : 'El consumo real se mantuvo estable entre los per\u00edodos';\r\n\r\n        document.getElementById('pic-vsub').innerHTML =\r\n          'Entre <strong>' + lDesde + '<\/strong> y <strong>' + lHasta + '<\/strong>, el \u00cdndice Pulso Local de Consumo pas\u00f3 de <strong>' + pct(indiceAnt) + '<\/strong> a <strong>' + pct(indiceAct) + '<\/strong> (variaci\u00f3n interanual real). ' +\r\n          'El canal online es el \u00fanico que sostiene crecimiento; pymes y supermercados acumulan meses consecutivos de ca\u00edda real.';\r\n\r\n        document.getElementById('pic-indice').textContent   = pct(indiceAct);\r\n        document.getElementById('pic-indice').style.color   = indiceAct >= 0 ? '#16a34a' : '#dc2626';\r\n        document.getElementById('pic-came-card').textContent = pct(canalesVals[0].act);\r\n        document.getElementById('pic-came-card').style.color = canalesVals[0].act >= 0 ? '#16a34a' : '#dc2626';\r\n        document.getElementById('pic-shop-card').textContent = pct(canalesVals[1].act);\r\n        document.getElementById('pic-shop-card').style.color = canalesVals[1].act >= 0 ? '#16a34a' : '#dc2626';\r\n\r\n        \/\/ Tabla detalle canales\r\n        var resTbody = document.getElementById('pic-res-tbody');\r\n        resTbody.innerHTML = '';\r\n        canalesVals.forEach(function(c){\r\n          var cls = c.act >= 0 ? 'pic-diff-pos' : c.act < -3 ? 'pic-diff-neg' : 'pic-diff-neu';\r\n          var tr = document.createElement('tr');\r\n          tr.innerHTML =\r\n            '<td>' + c.icon + ' ' + c.nombre + '<\/td>' +\r\n            '<td class=\"' + (c.ant >= 0 ? 'pic-diff-pos' : 'pic-diff-neg') + '\">' + pct(c.ant) + '<\/td>' +\r\n            '<td class=\"' + cls + '\">' + pct(c.act) + '<\/td>' +\r\n            '<td>' + tendencia(c.ant, c.act) + '<\/td>' +\r\n            '<td style=\"font-size:11px;color:#999;\">' + c.fuente + '<\/td>';\r\n          resTbody.appendChild(tr);\r\n        });\r\n\r\n        \/\/ Fila \u00edndice ponderado\r\n        var trTotal = document.createElement('tr');\r\n        trTotal.className = 'pic-total';\r\n        trTotal.innerHTML =\r\n          '<td>\u00cdNDICE PULSO (ponderado)<\/td>' +\r\n          '<td>' + pct(indiceAnt) + '<\/td>' +\r\n          '<td>' + pct(indiceAct) + '<\/td>' +\r\n          '<td>' + tendencia(indiceAnt, indiceAct) + '<\/td>' +\r\n          '<td style=\"font-size:11px;color:#999;\">Elaboraci\u00f3n propia<\/td>';\r\n        resTbody.appendChild(trTotal);\r\n\r\n        \/\/ Rubros CAME mes actual\r\n        var rubrosGrid = document.getElementById('pic-rubros-grid');\r\n        rubrosGrid.innerHTML = '';\r\n        RUBROS_CAME.forEach(function(r){\r\n          var val = r.datos[idxH];\r\n          var cls = val >= 0 ? 'pic-diff-pos' : val < -5 ? 'pic-diff-neg' : 'pic-diff-neu';\r\n          rubrosGrid.innerHTML +=\r\n            '<div class=\"pic-rubro-card\">' +\r\n            '<span class=\"pic-rubro-nombre\">' + r.nombre + '<\/span>' +\r\n            '<span class=\"' + cls + '\">' + pct(val) + '<\/span>' +\r\n            '<\/div>';\r\n        });\r\n\r\n        \/\/ Ventas propias\r\n        var ownAnt = parseFloat(document.getElementById('pic-own-ant').value);\r\n        var ownAct = parseFloat(document.getElementById('pic-own-act').value);\r\n        var ownInf = parseFloat(document.getElementById('pic-own-inf').value);\r\n        var ownRubro = document.getElementById('pic-own-rubro').value;\r\n\r\n        if(!isNaN(ownAnt) && ownAnt > 0 && !isNaN(ownAct) && ownAct > 0){\r\n          document.getElementById('pic-own-res').style.display = 'block';\r\n          var ownNom  = ((ownAct - ownAnt) \/ ownAnt) * 100;\r\n          var ownReal = isNaN(ownInf) ? ownNom : ((1 + ownNom\/100) \/ (1 + ownInf\/100) - 1) * 100;\r\n          var ownVsIndice = ownReal - indiceAct;\r\n\r\n          document.getElementById('pic-own-nom').textContent  = pct(ownNom);\r\n          document.getElementById('pic-own-nom').style.color  = ownNom >= 0 ? '#16a34a' : '#dc2626';\r\n          document.getElementById('pic-own-real').textContent = pct(ownReal);\r\n          document.getElementById('pic-own-real').style.color = ownReal >= 0 ? '#16a34a' : '#dc2626';\r\n          document.getElementById('pic-own-vs').textContent   = pct(ownVsIndice);\r\n          document.getElementById('pic-own-vs').style.color   = ownVsIndice >= 0 ? '#16a34a' : '#dc2626';\r\n\r\n          var rubroRef = '';\r\n          if(ownRubro){\r\n            var rubroMap = {ali:'Alimentos y bebidas',tex:'Textil e indumentaria',far:'Farmacia y perfumer\u00eda',fer:'Ferreter\u00eda \/ materiales',baz:'Bazar, deco y muebles',cal:'Calzado y marroquiner\u00eda',ele:'Electr\u00f3nica \/ online'};\r\n            var rubroIdx = {ali:0,tex:1,far:2,fer:3,baz:4,cal:5,ele:6};\r\n            if(rubroMap[ownRubro]){\r\n              var refVal = RUBROS_CAME[rubroIdx[ownRubro]] ? RUBROS_CAME[rubroIdx[ownRubro]].datos[idxH] : null;\r\n              if(refVal !== null) rubroRef = ' El promedio de tu rubro (<strong>' + rubroMap[ownRubro] + '<\/strong>) fue de <strong>' + pct(refVal) + '<\/strong> seg\u00fan CAME.';\r\n            }\r\n          }\r\n\r\n          document.getElementById('pic-own-conclusion').innerHTML =\r\n            'Tu variaci\u00f3n nominal fue <strong>' + pct(ownNom) + '<\/strong>' +\r\n            (isNaN(ownInf) ? '.' : ', y descontada la inflaci\u00f3n del per\u00edodo (' + ownInf.toFixed(1) + '%), tu variaci\u00f3n <strong>real<\/strong> fue <strong>' + pct(ownReal) + '<\/strong>.') +\r\n            ' Comparado con el \u00cdndice Pulso del per\u00edodo (' + pct(indiceAct) + '), tu comercio ' +\r\n            (ownVsIndice > 2 ? '<strong>super\u00f3 al mercado<\/strong> por ' + pct(ownVsIndice) + '.' : ownVsIndice < -2 ? 'qued\u00f3 <strong>' + pct(Math.abs(ownVsIndice)) + ' por debajo del mercado<\/strong>.' : 'estuvo <strong>en l\u00ednea con el mercado<\/strong>.') +\r\n            rubroRef;\r\n        } else {\r\n          document.getElementById('pic-own-res').style.display = 'none';\r\n        }\r\n\r\n        \/\/ Conclusi\u00f3n general\r\n        document.getElementById('pic-conclusion').innerHTML =\r\n          'El \u00cdndice Pulso Local de Consumo de <strong>' + lHasta + '<\/strong> se ubica en <strong>' + pct(indiceAct) + '<\/strong> interanual real. ' +\r\n          'Las pymes minoristas acumulan una retracci\u00f3n del 3,5% en el primer cuatrimestre de 2026, con el consumo concentrado en productos esenciales y una creciente cautela del consumidor.  ' +\r\n          'El canal online creci\u00f3 +8% interanual en abril, siendo el \u00fanico canal con expansi\u00f3n real sostenida, aunque no alcanza a compensar la ca\u00edda general.  ' +\r\n          'El sector de ferreter\u00eda y materiales es el m\u00e1s resiliente dentro de los rubros pyme; bazar y muebles acumula las mayores ca\u00eddas.<br>' +\r\n          '<br><em style=\"font-size:12px;color:#999;\">\u00cdndice ponderado: pymes 40% + supermercados 30% + shoppings 20% + online 10%. Todas las variaciones son a precios constantes (volumen f\u00edsico real). Datos estimados para los meses m\u00e1s recientes.<\/em>';\r\n      };\r\n\r\n    })();\r\n    <\/script>\r\n    \n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":4211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[557],"tags":[49],"class_list":["post-4199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pulsolocal","tag-calculadora"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Calculadora \u00cdndice de consumo pymes - elfinancierodigital<\/title>\n<meta name=\"description\" content=\"\u00cdndice de consumo pymes\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elfinancierodigital.com\/inicio\/indice_pulso_consumo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Calculadora \u00cdndice de consumo pymes - 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