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Conducta financiera en estudiantes de Administración de Empresas, Universidad de Cundinamarca Facatativá

Author

Listed:
  • Cruz Páez, Fabio Orlando

    (Universidad de Agustiniana)

  • Castillo Ortiz, Diana Marcela

    (Universidad Nacional Abierta y a Distancia)

  • Lechuga Cardozo, Jorge Isaac

    (Universidad Sergio Arboleda)

  • Calderón, Odair Triana

    (Universidad de Cundinamarca)

Abstract

El estudio estuvo dirigido a mostrar evidencia de la conducta financiera de estudiantes de quinto a decimo semestre del programa de Administración de Empresas de la Universidad de Cundinamarca, Extensión Facatativá. La investigación se realizó con una metodología positivista, tipo de investigación descriptiva, un diseno no experimental, transeccional y de campo. Se disenó un instrumento de 7 ítems previamente validado por expertos, y se aplicó a una muestra de noventa (90) estudiantes. Los resultados permitieron evidenciar la importancia de las finanzas educativas en programas de educación superior en virtud de fortalecer prácticas de ahorro, inversión y consumo en el actual contexto socioeconómico y cultural. En cuanto a los resultados, estos mostraron que: 1. Los estudiantes tienen en promedio un poder de compra equivalente a un salario mínimo legal del ano 2020 en Colombia, revisto para consumo y suplir necesidades básicas; 2. Los estudiantes implementan compras presencialmente y usan mínimamente las plataformas digitales; 3. Los estudiantes al hacer sus compras electrónicas las realizan desde los sitios web corporativos de cada producto y/o servicio; 4. Los estudiantes no aplican los conocimientos financieros básicos adquiridos en el programa, y 5. Los estudiantes prefieren realizar inversiones en fondos de inversión al inicio de su vida financiera como futuros profesionales de Administración de Empresas. ***************************************************************************************************************************************************************************************** The study was aimed at showing evidence of the financial behavior of students from fifth to tenth semester of the Business Administration program of the University of Cundinamarca, Facatativá Extension. The research study was carried out with a positivist methodology, a descriptive type of research, a non-experimental, transectional and field design. A 7-item instrument was designed and applied to a sample of ninety (90) students. The results showed the importance of educational finance in higher education programs by virtue of strengthening saving, investment and consumption practices in the current socio-economic and cultural context. Regarding the results, these showed that students have on average a purchasing power equivalent to a legal minimum wage of the year 2020 in Colombia planned for consumption and supply basic needs, and they implement purchases in person and in this way using scarcely platforms in online and with the preference of doing it directly on the corporate websites of each product and / or service, it was finally appreciated that the surveyed students do not apply the basic financial knowledge acquired in the program and prefer to make investments in investment funds at the beginning of their financial history as future business administration professionals.

Suggested Citation

  • Cruz Páez, Fabio Orlando & Castillo Ortiz, Diana Marcela & Lechuga Cardozo, Jorge Isaac & Calderón, Odair Triana, 2022. "Conducta financiera en estudiantes de Administración de Empresas, Universidad de Cundinamarca Facatativá," Revista Tendencias, Universidad de Narino, vol. 23(2), pages 30-52, July.
    • Handle: RePEc:col:000520:020251
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    References listed on IDEAS

    as
    1. Kodila-Tedika, Oasis & Asongu, Simplice, 2015. "The Effect of Intelligence on Financial Development: A Cross-Country Comparison," MPRA Paper 67295, University Library of Munich, Germany.
    2. Cristian Darío Castillo Robayo & Javier García Estévez, 2019. "Desempleo juvenil en Colombia: ¿la educación importa?," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 11(1), pages 101-101, February.
    3. Bernardo Barona Zuluaga & Jorge Alberto Rivera Godoy & Paula Andrea Garizado Román, 2017. "Inversión y financiación en empresas innovadoras del sector servicios en Colombia," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 9(2), pages 345-372, November.
    4. Bernardo Barona Zuluaga & Jorge Alberto Rivera Godoy & Paula Andrea Garizado Román, 2017. "Inversión y financiación en empresas innovadoras del sector servicios en Colombia," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 9(2), pages 345-372, May.
    5. Cruz Páez, Fabio Orlando & Mera Rodríguez, Carlos William & Lechuga Cardozo, Jorge Isaac, 2019. "Evaluación de estrategias de emprendimiento sostenible e innovación implementadas en las unidades productivas del SENA, Centro Industrial y Desarrollo Empresarial de Soacha-Cundinamarca-Colombia," Revista Tendencias, Universidad de Narino, vol. 20(1), pages 183-202, January.
    6. Ignacio Velez & Gabriel Nieto, 1986. "Investment Decision-Making Practices in Colombia: A Survey," Interfaces, INFORMS, vol. 16(4), pages 60-65, August.
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    More about this item

    Keywords

    ahorro; consumo; finanzas conductuales; finanzas educativas; inversión de capital;
    All these keywords.

    JEL classification:

    • E20 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - General (includes Measurement and Data)
    • E29 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Other
    • G40 - Financial Economics - - Behavioral Finance - - - General
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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