INCLUSIÓN Y EDUCACIÓN FINANCIERA: UNA APROXIMACIÓN TEÓRICA (FINANCIAL INCLUSION AND EDUCATION: A THEORETICAL APPROACH)

Belem Alejandra Contreras-Rodríguez, Arturo García-Santillán, Stephanie Vargas

Abstract


En este ensayo se lleva a cabo una reflexión teórica sobre los diversos abordajes que se han postulado en torno al tema de la inclusión financiera, y de manera muy particular al conocimiento en los temas financieros que encuadra en el tema de educación financiera. En el recorrido de la revisión de la literatura se encontraron diversas posturas, por un lado los organismos internacionales que debaten sobre la necesidad de que la población esté mejor informada y que tenga un nivel de conocimiento financiero que le permita tomar mejores decisiones, y por otro lado los estudios empíricos que han demostrado el bajo o nulo conocimiento en materia financiera en las poblaciones estudiadas en los diferentes contextos. Al final se muestra un modelo causal resultante de esta reflexión teórica, para su posterior análisis y contrastación de supuestos en un estudio empírico.

 

The purpose of this paper is to make a theoretical reflection about the several approaches that have been postulated around the issue of financial inclusion, and very specific way to the knowledge in financial topics that falls within the theme of financial education. Through the literature review, different postures were identified: firstly, some international organizations debate about the need for people to be better informed. They suggest that they should have a level of financial knowledge to help them make the best decisions. Furthermore, empirical studies who have demonstrated low or zero knowledge in financial topics in the populations studied in different contexts. At the end, a causal model resulting from this theoretical reflection for further analysis and testing of assumptions in an empirical study is shown.

 

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Keywords


inclusión financiera, educación financiera, conocimiento financiero, inversiones y ahorro, crédito, gasto y presupuesto / financial inclusion, financial education, financial knowledge, investment and saving, funding, expense and budget



DOI: http://dx.doi.org/10.46827/ejes.v0i0.36

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