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Variables sociodemográficas y niveles de educación financiera en jóvenes universitarios de Ecuador

Author

Listed:
  • Miguel Angel Peñarreta-Quezada

    (Universidad Técnica Particular de Loja, Ecuador)

  • Eulalia-Elizabeth Salas-Tenesaca

    (Universidad Técnica Particular de Loja, Ecuador)

  • José Álvarez-García

    (Universidad de Extremadura, España)

  • María de la Cruz del Río-Rama

    (Universidad de Vigo, España)

Abstract

Este estudio investiga la relación entre variables sociodemográficas y el nivel de educación financiera en jóvenes universitarios de Ecuador. Utilizando datos de 1.011 encuestas y el contraste no paramétrico, se analiza cómo la edad, el género, el estatus laboral y el campo de formación se relacionan con el conocimiento, comportamiento y la actitud financiera de los estudiantes universitarios. Los resultados revelan que la mayoría de los estudiantes en Ecuador poseen un nivel medio de educación financiera, lo que implica habilidades para aplicar conceptos financieros básicos en situaciones cotidianas, pero con limitaciones en escenarios más complejos. Además, se encontró que la edad, el campo de formación y el estatus laboral influyen significativamente en las dimensiones de la educación financiera. Este estudio pionero en el contexto ecuatoriano subraya la importancia de considerar factores sociodemográficos al diseñar estrategias de educación financiera dirigidas a jóvenes universitarios, con el objetivo de fortalecer la educación financiera de esta población.

Suggested Citation

  • Miguel Angel Peñarreta-Quezada & Eulalia-Elizabeth Salas-Tenesaca & José Álvarez-García & María de la Cruz del Río-Rama, 2024. "Variables sociodemográficas y niveles de educación financiera en jóvenes universitarios de Ecuador," 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. 19(1), pages 1-15, Enero - M.
    • Handle: RePEc:imx:journl:v:19:y:2024:i:1:p:3
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    References listed on IDEAS

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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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