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Factores que influyen en la educación financiera de los jóvenes de Celaya, Guanajuato, México

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  • Emma Liliana Merino González

    (Sistema Avanzado de Bachillerato y Educación Superior, México)

Abstract

La educación financiera se ha convertido en un elemento diferenciador en el desarrollo económico de los países y México ha tomado medidas que no han sido suficientes. Esta investigación tiene el objetivo de identificar qué factores influyen en el nivel de educación financiera de los jóvenes pertenecientes a la generación Z en el municipio de Celaya, Guanajuato, México. Con un enfoque cuantitativo, de diseño no experimental y alcance correlacional. Los resultados muestran que los jóvenes no cuentan con los conocimientos necesarios para tomar buenas decisiones financieras, además, que el nivel educativo de la madre influye en el nivel que poseen estos jóvenes. Se recomienda que se ajusten los planes y programas de estudio para que se impartan materias relativas al tema desde la educación básica. Una limitación del presente fue la recolección de los datos que se realizó mediante encuestas en línea debido a las condiciones actuales de pandemia. Se concluye se debe fortalecer la competencia financiera, sobre todo enfocada en las prácticas o comportamientos financieros positivos.

Suggested Citation

  • Emma Liliana Merino González, 2023. "Factores que influyen en la educación financiera de los jóvenes de Celaya, Guanajuato, México," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 18(3), pages 1-21, Julio - S.
    • Handle: RePEc:imx:journl:v:18:y:2023:i:3:p:7
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/890
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    References listed on IDEAS

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    1. Annamaria Lusardi & Olivia S Mitchelli, 2007. "Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 42(1), pages 35-44, January.
    2. Annamaria Lusardi & Olivia Mitchell, 2006. "Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education Programs," Working Papers wp144, University of Michigan, Michigan Retirement Research Center.
    3. Kiliyanni, Abdul Latheef & Sivaraman, Sunitha, 2016. "The perception-reality gap in financial literacy: Evidence from the most literate state in India," International Review of Economics Education, Elsevier, vol. 23(C), pages 47-64.
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    More about this item

    Keywords

    Educación financiera; jóvenes; finanzas personales;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D11 - Microeconomics - - Household Behavior - - - Consumer Economics: Theory
    • I28 - Health, Education, and Welfare - - Education - - - Government Policy

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