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Las capacidades financieras de la población colombiana

Author

Listed:
  • Esteban Gómez González
  • Nancy Zamudio Gómez

Abstract

La inclusión financiera se ha convertido en un tema cada vez más relevante dentro de la agenda pública del país, y con esto el diseño de iniciativas privadas y públicas para fomentarla. El presente documento está fundamentado en la tesis de que para hacer estas políticas más eficientes y eficaces, es necesario contar con buenas mediciones de las capacidades financieras de la población, las cuales no se limitan exclusivamente al conocimiento de temas financieros, sino que abarcan, en un sentido más amplio, actitudes y comportamientos de los agentes frente a temas como manejo del dinero, planificación a futuro, escogencia de productos, entre otros. Prueba de esto es que, utilizando información de la Encuesta de Carga Financiera y Educación de los Hogares (IEFIC) para el periodo 2010-2011, se encuentra que personas de altos ingresos o alta escolaridad, que se caracterizan por altos niveles de alfabetismo financiero, también presentan patrones típicos de una persona financieramente incapaz. La continua elaboración de trabajos enfocados en este tipo de mediciones permitirá contar con información sobre las deficiencias de la población en estos temas, así como con la identificación de los grupos poblacionales sobre los cuales canalizar dichas políticas.

Suggested Citation

  • Esteban Gómez González & Nancy Zamudio Gómez, 2012. "Las capacidades financieras de la población colombiana," Borradores de Economia 9828, Banco de la Republica.
    • Handle: RePEc:col:000094:009828
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    References listed on IDEAS

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    More about this item

    Keywords

    Capacidades Financieras; Alfabetismo Financiero; Políticas Públicas.;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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