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El efecto de la autoconfianza en el conocimiento financiero

Author

Listed:
  • Alfonso Arellano
  • Noelia Camara
  • David Tuesta

Abstract

El presente estudio analiza en que medida la autoconfianza afecta a las habilidades financieras de los jovenes en Espana, via sus conocimientos sobre cuestiones financieras. Para ello tomamos los datos del Programme for International Student Assessment (PISA) Financial Literacy (2012) llevado a cabo por la OCDE. Nuestra hipotesis es que la autoconfianza es importante a la hora de determinar el conocimiento financiero de los jovenes. Dichos conocimientos junto con otras actitudes personales determinan, en parte, el comportamiento financiero de los agentes. Se mide autoconfianza en las siguientes dimensiones: autoconfianza del estudiante en el entorno de su colegio, en referencia a la utilidad que encuentra en la escuela, en relacion a los resultados obtenidos y autoconfianza en su esfera mas general. La estimacion de modelos multinivel muestra que individuos con mayores niveles de autoconfianza obtienen mejores calificaciones en las pruebas de conocimientos financieros con independencia de la dimension considerada. Mas alla de las caracteristicas inherentes al individuo, existen otros factores como la madurez, el genero, las caracteristicas socioeconomicas y del entorno que tambien influyen en las capacidades financieras.

Suggested Citation

  • Alfonso Arellano & Noelia Camara & David Tuesta, 2014. "El efecto de la autoconfianza en el conocimiento financiero," Working Papers 1427, BBVA Bank, Economic Research Department.
    • Handle: RePEc:bbv:wpaper:1427
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    References listed on IDEAS

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    1. Gonzalo De Cadenas Santiago & Alicia Garcia-Herrero & Alvaro Ortiz Vidal-Abarca, 2014. "Monetary policy in the North, effects in the South," Working Papers 1429, BBVA Bank, Economic Research Department.

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    More about this item

    Keywords

    Economías Desarrolladas; Economías Emergentes; España; Global; Inclusión Financiera;
    All these keywords.

    JEL classification:

    • I00 - Health, Education, and Welfare - - General - - - General
    • D83 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Search; Learning; Information and Knowledge; Communication; Belief; Unawareness
    • C81 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Methodology for Collecting, Estimating, and Organizing Microeconomic Data; Data Access

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