Alfabetización financiera y su efecto en la conducta financiera de los hogares de Huancayo, Perú

  • Joselyn Janeth Gonzales Hinostroza Universidad Continental

Resumen

La alfabetización financiera en los hogares exige desarrollar habilidades y competencias que permitan comprender términos financieros para orientar la toma de decisiones en cuanto a la optimización de los recursos. Por eso, el objetivo de este estudio fue analizar la alfabetización financiera y su impacto en la conducta financiera de los hogares en Huancayo, Perú. Para eso, en primer lugar, se evaluó la fiabilidad de los instrumentos de investigación, la cual obtuvo una alta consistencia en las variables, con un coeficiente superior a 0.90. Por otra parte, para la recolección de datos se realizó un muestreo no probabilístico con 702 jefes de hogar en Huancayo, Perú. Posteriormente, se llevó a cabo un análisis confirmatorio que reveló que el modelo propuesto se ajusta adecuadamente a los datos observados. En conclusión, se confirmó que existe un efecto significativo de la alfabetización financiera sobre la conducta financiera de los hogares en Huancayo, Perú, los cuales están encabezados principalmente (43.9%) por personas de 21 a 30 años.

Descargas

La descarga de datos todavía no está disponible.

Citas

Allgood, S. and Walstad, W. B. (2016). The effects of perceived and actual financial literacy on financial behaviors. Economic Inquiry, 54(1), 675–697. https://doi.org/10.1111/ecin.12255

Amagir, A., Groot, W., van Den Brink, H. M. and Wilschut, A. (2020). Financial literacy of high school students in the Netherlands: knowledge, attitudes, self-efficacy, and behavior. International Review of Economics Education, 34(April 2019), 100185. https://doi.org/10.1016/j.iree.2020.100185

Anderloni, L., Bacchiocchi, E. and Vandone, D. (2012). Household financial vulnerability: An empirical analysis. Research in Economics, 66(3), 284–296. https://doi.org/10.1016/j.rie.2012.03.001

Ankrah Twumasi, M., Asante, D., Fosu, P., Essilfie, G. and Jiang, Y. (2022). Residential renewable energy adoption. Does financial literacy matter? Journal of Cleaner Production, 361, 132210. https://doi.org/10.1016/j.jclepro.2022.132210

Ankrah Twumasi, M., Essilfie, G., Ntiamoah, E. B., Xu, H. and Jiang, Y. (2023). Assessing financial literacy and food and nutritional security relationship in an African country. Heliyon, 9(9), e19573. https://doi.org/10.1016/j.heliyon.2023.e19573

Atkinson, A. and Messy, F. A. (2012). Measuring financial literacy: results of the OECD infe pilot study. OECD Working Papers on Finance, Insurance and Private Pensions, 15(15), 1–73.

Baas Chable, M. I., Barceló Méndez, M. G. y De Fátima, H. G. (2012). Metodología de la investigación. Pearson Educación de México, S. A. de C.V. https://pdfcoffee.com/metodologiadelainvestigacionbaas-chablepdf-5-pdf-free.html

Bilici, M. R. and Çevik, S. (2023). Financial literacy and cash holdings in Türkiye. Central Bank Review, 23(4), 7. https://doi.org/10.1016/j.cbrev.2023.100129

Caldentey Pérez, E. (ed.) (2023). Apertura financiera, fragilidad financiera y políticas para la estabilidad económica. Un análisis comparativo entre regiones del mundo en desarrollo. CEPAL. https://repositorio.cepal.org/server/api/core/bitstreams/b732fb79-fd9a-4416-ad02-fc59e141e66e/content

Carpena, F., Cole, S., Shapiro, J. and Zia, B. (2011). Unpacking the Causal Chain of Financial Literacy. The World Bank. https://doi.org/10.1596/1813-9450-5798

Desiyanti, R. and Kassim, A. A. M. (2020). Financial Literacy on Business Performance: The Moderating Effect of Religiosity Among SMEs In Sumatera, Indonesia. International Journal of Academic Research in Accounting, Finance and Management Sciences, 10(2). https://doi.org/10.6007/IJARAFMS/v10-i2/7371

Dimmock, S. G., Kouwenberg, R., Mitchell, O. S. and Peijnenburg, K. (2016). Ambiguity aversion and household portfolio choice puzzles: Empirical evidence. Journal of Financial Economics, 119(3), 559–577. https://doi.org/10.1016/j.jfineco.2016.01.003

Farrell, L., Fry, T. R. L. and Risse, L. (2016). The significance of financial self-efficacy in explaining women’s personal finance behaviour. Journal of Economic Psychology, 54, 85–99. https://doi.org/10.1016/j.joep.2015.07.001

Gaudecker, H. V. (2015). How Does Household Portfolio Diversification Vary with Financial Literacy and Financial Advice? The Journal of Finance, 70(2), 489–507. https://doi.org/10.1111/jofi.12231

Grimes, P. W., Lopus, J. S. and Amidjono, D. S. (2022). Financial life-skills training and labor market outcomes in Indonesia. International Review of Economics Education, 41, 100255. https://doi.org/10.1016/j.iree.2022.100255

Hernández-Sampieri, R. y Mendoza-Torres, C. P. (2018). Metodología de la Investigación. Las rutas cuantitativa, cualitativa y mixta. McGrawHill.

Klapper, L. and Lusardi, A. (2020). Financial literacy and financial resilience: Evidence from around the world. Financial Management, 49(3), 589–614. https://doi.org/10.1111/fima.12283

Kleimeier, S., Hoffmann, A. O. I., Broihanne, M.-H., Plotkina, D. and Göritz, A. S. (2023). Determinants of individuals’ objective and subjective financial fragility during the COVID-19 pandemic. Journal of Banking & Finance, 153, 106881. https://doi.org/10.1016/j.jbankfin.2023.106881

Kumar, P., Islam, M. A., Pillai, R. and Sharif, T. (2023). Analysing the behavioural, psychological, and demographic determinants of financial decision making of household investors. Heliyon, 9(2), e13085. https://doi.org/10.1016/j.heliyon.2023.e13085

Lone, U. M. and Bhat, S. A. (2022). Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy. Journal of Financial Services Marketing, 0123456789. https://doi.org/10.1057/s41264-022-00183-8

Lusardi, A. and Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

Lusardi, A. and Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics and Finance, 14(4), 332–368. https://doi.org/10.1017/S1474747215000232

Lusardi, A. y Mitchell, O. S. (2016). La importancia económica de la alfabetización financiera: Teoría y pruebas. Boletín CEMLA, 301–248.

Lyons, A. C. and Kass‐Hanna, J. (2021). A methodological overview to defining and measuring “digital” financial literacy. Financial Planning Review, 4(2). https://doi.org/10.1002/cfp2.1113

Molina-García, A., Cisneros-Ruiz, A. J., López-Subires, M. D. and Diéguez-Soto, J. (2023). How does financial literacy influence undergraduates’ risk-taking propensity? International Journal of Management Education, 21(3), 15. https://doi.org/10.1016/j.ijme.2023.100840

Muñoz Rocha, C. (2015). Metodología de la investigación. Oxford University Press México. https://books.google.com.mx/books/about/Metodología_de_la_investigación.html?id=jp5PAQAACAAJ&redir_esc=y

Organización para la Cooperación y el Desarrollo Económicos (OCDE) (2015). OCDE/INFE toolkit for measuring financial literacy and financial inclusion. OCDE Publishing. https://www.oecd.org/finance/financial-education/2015_OECD_INFE_Toolkit_Measuring_Financial_Literacy.pdf

Organización para la Cooperación y el Desarrollo Económicos (OECD) (2022). Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy. OECD, 1–31.

Opletalová, A. (2015). Financial Education and Financial Literacy in the Czech Education System. Procedia - Social and Behavioral Sciences, 171, 1176–1184. https://doi.org/10.1016/j.sbspro.2015.01.229

Otzen, T. and Manterola, C. (2017). Técnicas de muestreo sobre una población a estudio. International Journal of Morphology, 35(1), 227–232.

Owusu, G. M., Korankye, G. Andankah, N. Y. M. and Agyekum Donkor, J. B. (2023). Financial risk tolerance and its determinants: The perspective of personnel from security services in Ghana. Borsa Istanbul Review, 23(4), 852–864. https://doi.org/10.1016/j.bir.2023.02.005

Potrich, A. C. G., Vieira, K. M. and Kirch, G. (2018). How well do women do when it comes to financial literacy? Proposition of an indicator and analysis of gender differences. Journal of Behavioral and Experimental Finance, 17, 28–41. https://doi.org/10.1016/j.jbef.2017.12.005

Rai, K., Dua, S. and Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review, 8(1), 51–60. https://doi.org/10.1177/2319714519826651

Rosado, J., Villareal, F. y Stezano, F. (2009). Fortalecimiento de la inclusión y capacidades financieras en el ámbito rural. https://repositorio.cepal.org/server/api/core/bitstreams/92bcf5ba-79b9-460c-ba7e-e417ec4d34da/content

Sabri, M. F., Aw, E. C.-X., Rahim, H. A., Burhan, N. A. S., Othmana, M. A. and Simanjuntak, M. (2021). Financial Literacy, Behavior and Vulnerability Among Malaysian Households: Does Gender Matter? International Journal of Economics and Management, 15(2), 241–256. https://www.scopus.com/inward/record.uri?eid=2-s2.0-85113895434&partnerID=40&md5=b64487a4ca59e87a83b70cfa6b4754b4

Singh, K. N. and Malik, S. (2022). An empirical analysis on household financial vulnerability in India: exploring the role of financial knowledge, impulsivity and money management skills. Managerial Finance, 48(9/10), 1391–1412. https://doi.org/10.1108/MF-08-2021-0386

Sohn, S., Joo, S., Grable, J. E., Lee, S. and Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969–980. https://doi.org/10.1016/j.adolescence.2012.02.002

Streiner, D. L. (2003). Starting at the Beginning: An Introduction to Coefficient Alpha and Internal Consistency. Journal of Personality Assessment, 80(1), 99–103. https://doi.org/10.1207/S15327752JPA8001_18

Tan, J., Cai, D., Han, K. and Zhou, K. (2022). Understanding peasant household’s land transfer decision-making: A perspective of financial literacy. Land Use Policy, 119, 106189. https://doi.org/https://doi.org/10.1016/j.landusepol.2022.106189

Tang, N. (2021). Cognitive abilities, self-efficacy, and financial behavior. Journal of Economic Psychology, 87, 102447. https://doi.org/10.1016/j.joep.2021.102447

Tezel, Z. (2015). Financial Education for Children and Youth (pp. 69–92). https://doi.org/10.4018/978-1-4666-7484-4.ch005

Van Rooij, M., Lusardi, A. and Alessie, R. J. M. (2011). Financial Literacy, Retirement Planning, and Household Wealth. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1945732

Xiao, J. J. and Dew, J. (2011). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59. http://afcpe.org/journal-articles.php?volume=387&article=403

Xu, N., Shi, J., Rong, Z. and Yuan, Y. (2020). Financial literacy and formal credit accessibility: Evidence from informal businesses in China. Finance Research Letters, 36, 101327. https://doi.org/10.1016/j.frl.2019.101327

Yang, J., Wu and. and Huang, B. (2023). Digital finance and financial literacy: Evidence from Chinese households. Journal of Banking & Finance, 156, 107005. https://doi.org/10.1016/j.jbankfin.2023.107005

Zhu, T. and Xiao, J. J. (2022). Consumer financial education and risky financial asset holding in China. International Journal of Consumer Studies, 46(1), 56–74. https://doi.org/10.1111/ijcs.12643
Publicado
2024-09-04
Cómo citar
Gonzales Hinostroza, J. J. (2024). Alfabetización financiera y su efecto en la conducta financiera de los hogares de Huancayo, Perú. RIDE Revista Iberoamericana Para La Investigación Y El Desarrollo Educativo, 15(29). https://doi.org/10.23913/ride.v15i29.2065
Sección
Artículos Científicos