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Características cognitivas, rasgos de personalidad y alfabetización financiera: papel en las decisiones financieras

In: Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe

Author

Listed:
  • María José Roa

    (Centro de Estudios Monetarios Latinoamericanos)

  • Ignacio Garrón

    (Banco Central de Bolivia)

  • Jonathan Barboza

    (Centro de Estudios Monetarios Latinoamericanos)

Abstract

El objetivo de este estudio es analizar la relación de las características cognitivas, los rasgos de personalidad y la alfabetización financiera con las decisiones financieras de ahorro y crédito, y la participación en el sector financiero formal. Para ello tomamos como base la Encuesta de Medición de Capacidades Financieras en los Países Andinos, aplicada en Bolivia, Colombia, Ecuador y Perú. De nuestro análisis se deduce la importancia de las habilidades numéricas y los rasgos de personalidad asociados a ser diligente, en la tendencia a ahorrar y a participar en los mercados financieros formales. Los resultados del análisis con variables instrumentales muestran que para decisiones más complejas o que requieren más información, como tenencia de crédito, el papel de la alfabetización financiera pudiera ser mayor que para decisiones más sencillas, como tenencia de cuentas de ahorro básicas.

Suggested Citation

  • María José Roa & Ignacio Garrón & Jonathan Barboza, 2018. "Características cognitivas, rasgos de personalidad y alfabetización financiera: papel en las decisiones financieras," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 7, pages 167-255, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    • Handle: RePEc:cml:incocp:7sp-07
    Note: Programa de Investigación Conjunta de la Red de Investigadores de Bancos Centrales
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    More about this item

    Keywords

    ahorro; crédito; rasgos de personalidad; características cognitivas; alfabetización financiera.;
    All these keywords.

    JEL classification:

    • A20 - General Economics and Teaching - - Economic Education and Teaching of Economics - - - General
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions
    • I20 - Health, Education, and Welfare - - Education - - - General
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies

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