La educación financiera en el departamento del Atlántico, Colombia
DOI:
https://doi.org/10.32397/er.v15i1.722Palabras clave:
Educación financiera, Alfabetización financiera, Conocimiento financiero, Modelo ordenado logit, Modelo ordenado probitResumen
Este trabajo analiza los factores demográficos y socioeconómicos que influyen en los niveles de educación financiera de la población del departamento del Atlántico, Colombia. Los resultados obtenidos a partir de un modelo logit indican que variables como el género, la condición social y el nivel educativo son determinantes a la hora de establecer qué tan educado financieramente es un individuo. En línea con la literatura que aborda el análisis en otros países, se concluye que el género y/o las dificultades de acceso a la educación afectan los niveles de educación financiera de la población y, en consecuencia, al desempeño financiero de las personas.
Descargas
Referencias
Auricchio, Barbara, Karina Azar, Edgar Lara, Diana Mejía, y Meyly Valdez (2021), Brechas de género en las encuestas de capacidades financieras de CAF: Brasil, Colombia, Ecuador y Perú, Caracas: Banco de Desarrollo de América Latina y el Caribe (CAF).
Angrisani, Marco, Jeremy Burke, Annamaria Lusardi, and Gary Mottola (2020), “The Stability and Predictive Power of Financial Literacy: Evidence from Longitudinal Data”, GFLEC Working Paper Series, No. 2020-7.
Adam, Anokye M. (2017), “Gender Disparity in Financial Literacy: Evidence from Homogeneous Group”, Journal of Accounting and Management, Vol. 7, No. 2.
Bucher-Koenen, T., R. Alessie, A. Lusardi, and M. van Rooij (2021), “Fearless Woman: Financial Literacy and Stock Market Participation”, CEPR Discussion Papers, No. 15193.
Alkan, Ömer, Erkan Oktay, Şeyda Ünver, and Esmer Gerni (2020), “Determination of Factors Affecting the Financial Literacy of University Students in Eastern Anatolia using Ordered Regression Models”, Asian Economic and Financial Review, Vol. 10, No. 5.
Bottazzi, Laura, and Annamaria Lusardi (2021), “Stereotypes in Financial Literacy: Evidence from PISA”, Journal of Corporate Finance, No. 71.
Al-Bahrani, Abdullah, Whitney Buser, and Darshak Patel (2020), “Early Causes of Financial Disquiet and the Gender Gap in Financial Literacy: Evidence from College Students in the Southeastern United States”, Journal of Family and Economic Issues, No. 41.
Avendaño Castro, William Rodrigo, Gerson Rueda Vera, y Blanca Mery Velasco Burgos (2021), “Percepciones, conocimientos y habilidades financieras en estudiantes de educación media”, Revista Venezolana de Gerencia, Vol. 26, No. 93.
Cucinelli, Doriana, Paolo Trivellato and Mariangela Zenga (2019), “Financial Literacy: The Role of the Local Context”, The Journal of Consumer Affairs, Vol. 53, No. 4.
Grigion Potrich, Ani Caroline, Kelmara Mendes Vieira, and Guilherme Kirch (2015), “Determinants of Financial Literacy: Analysis of the Influence of Socioeconomic and Demographic Variables”, Revista Contabilidade & Finanças, Vol. 26, No. 69.
Klapper, Leora, and Annamaria Lusardi (2020), “Financial Literacy and Financial Resilience: Evidence from Around the World”, Financial Management, Vol. 49, No. 3.
Loke, Yiing Jia (2015), “Financial Knowledge and Behaviour of Working Adults in Malaysia”, Margin: The Journal of Applied Economic Research, Vol. 9, No. 1.
Loke, Yiing-Jia (2017), “The Influence of Socio-Demographic and Financial Knowledge Factors on Financial Management Practices of Malaysians”, International Journal of Business and Society, Vol. 18, No. 1.
Lotto, Josephat (2020), “Understanding Sociodemographic Factors Influencing Households’ Financial Literacy in Tanzania”, Cogent Economics & Finance, Vol. 8, No. 1.
Mejía Anzola, Diana Margarita, y Guillermo Rodríguez Guzmán (2016), “Determinantes socioeconómicos de la educación financiera. Evidencia para Bolivia, Colombia, Ecuador y Perú”, Serie Políticas Públicas y Transformación Productiva, No. 23.
Muñoz-Murillo, Melisa, Pilar B. Álvarez-Franco, and Diego A. Restrepo-Tobón (2020), “The Role of Cognitive Abilities on Financial Literacy: New Experimental Evidence”, Journal of Behavioral and Experimental Economics, Vol. 84.
Organisation for Economic Cooperation and Development (OECD) (2020), OECD/INFE 2020 International Survey of Adult Financial Literacy, Paris: OECD.
Pangestu, Stevanus, and Erwin Bramana Karnadi (2020), “The Effects of Financial Literacy and Materialism on the Savings Decision of Generation Z Indonesians”, Cogent Business & Management, Vol. 7, No. 1.
Pérez Paredes, Alfredo, José Aurelio Cruz de los Ángeles, y Andrea Milena Gómez Pulido (2018), “Situación actual de la educación financiera en jóvenes universitarios de Villavicencio Colombia”, Revista GEON, Vol. 5, No. 2.
Riitsalu, Leonore, Rein Murakas, and Diana Veeret (2018), “Disentangling Financial Literacy: Three-Dimensional Approach to Analysing Management of Personal Finances in Estonia”, Journal of Social Research & Policy, Vol. 9, No. 1.
Swiecka, Beata, Eser Yeşildağ, Ercan Özen, and Simon Grima (2020), “Financial Literacy: The Case of Poland”, Sustainability, Vol. 12, No. 2.
University of California (UCLA) – Statistical Consulting Group (2021), Ordered Logistic Regression | Stata Data Analysis Examples.
Warrmarth, Dee, and David Zimmerman (2019), “Financial Literacy as More than Knowledge: The Development of a Formative Scale through the Lens of Bloom’s Domains of Knowledge”, The Journal of Consumer Affairs, Vol. 53, No. 4.
West, Tracey, and Andrew C. Worthington (2018), “Synthesizing an Index of Financial Literacy Using Not-For-Purpose Survey Data”, Economic Notes, Vol. 47, No. 2-3.
Xiao, Jing Jian, and Barbara O’Neill (2016), “Consumer Financial Education and Financial Capability”, International Journal of Consumer Studies, Vol. 40, No. 6.
Descargas
Publicado
Versiones
- 2024-08-23 (2)
- 2024-07-23 (1)
