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Determinantes de la Alfabetización Financiera de la Población Bogotana Bancarizada


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  • Nidia García Bohórquez


  • Fayber Alfonso Acosta Pardo


  • Jorge Leonardo Rueda Gil
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    Con un sistema financiero complejo que ofrece productos cada vez más sofisticados, y la mayor facilidad para acceder a estos, los individuos pueden incurrir en prácticas financieras indeseadas que deterioran su bienestar y perturban el funcionamiento de la economía en general. Este documento analiza los niveles de alfabetización financiera en la población bancarizada de Bogotá, utilizando como fuente de información la Encuesta Colombiana de Carga y Educación Financiera (IEFIC). Los resultados evidencian que los principales determinantes de tener un mayor nivel de alfabetización financiera son el ser hombre, ser mayor de edad pero menor de 60 años, estar casado, y tener un mayor nivel educativo y de ingresos.

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    Bibliographic Info

    Paper provided by Banco de la Republica de Colombia in its series Borradores de Economia with number 792.

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    Length: 24
    Date of creation: Nov 2013
    Date of revision:
    Handle: RePEc:bdr:borrec:792

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    Related research

    Keywords: Alfabetización financiera; bancarización; encuesta de hogares; mercado financiero; modelos probabilísticos. Classification JEL: I22; G02; O16.;

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    1. Christopher B. Bumcrot & Judy Lin & Annamaria Lusardi, 2011. "The Geography of Financial Literacy," Working Papers 893, RAND Corporation Publications Department.
    2. Annamaria Lusardi & Olivia S. Mitchell, 2011. "The Outlook for Financial Literacy," NBER Working Papers 17077, National Bureau of Economic Research, Inc.
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