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Inclusión y alfabetización financiera: el caso de trabajadores estudiantes de nivel superior en Los Lagos, Chile

Author

Listed:
  • Luz María Ferrada
  • Virginia Montaña

Abstract

En esta investigación se estudió la relación entre inclusión y alfabetización financiera de trabajadores estudiantes de carreras técnicas profesionales de la región de Los Lagos, Chile. Los objetivos específicos fueron medir la asociación entre alfabetización e inclusión financiera, analizar si existe una ventaja de inclusión al estar alfabetizado y evaluar el impacto de la alfabetización financiera en la inclusión. La muestra estuvo conformada por 470 estudiante-trabajadores y la metodología incluyó indicadores sintéticos, indicadores de asociación y estadísticos paramétricos y no paramétricos. Los resultados senalan una asociación positiva y significativa entre inclusión y alfabetización financiera. En general, los alfabetizados obtienen una ventaja de inclusión y se observa un efecto causal del comportamiento y conocimiento de productos financieros sobre la inclusión, aunque desde la alfabetización global.

Suggested Citation

  • Luz María Ferrada & Virginia Montaña, 2022. "Inclusión y alfabetización financiera: el caso de trabajadores estudiantes de nivel superior en Los Lagos, Chile," Estudios Gerenciales, Universidad Icesi, vol. 38(163), pages 211-221, June.
    • Handle: RePEc:col:000129:020219
    DOI: 10.18046/j.estger.2022.163.4949
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    References listed on IDEAS

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    More about this item

    Keywords

    inclusión financiera; alfabetización financiera; estudiantes; capital humano;
    All these keywords.

    JEL classification:

    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • J24 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Human Capital; Skills; Occupational Choice; Labor Productivity

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