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Actitud financiera, comportamiento financiero y conocimiento financiero en México

Author

Listed:
  • Osvaldo García Mata
  • Ana Luz Zorrilla del Castillo
  • Arturo Briseño García
  • Eduardo Arango Herrera

Abstract

El objetivo de esta investigación es analizar los determinantes del alfabetismo financiero (AF) en México, a través de sus componentes: actitud, comportamiento y conocimiento. Se emplearon análisis de varianzas y modelos logit ordenados, aplicados a datos de 2018 de la Encuesta Nacional de Inclusión Financiera (ENIF). Se confirma que (1) el nivel de AF es bajo, (2) existe una brecha de género y (3) la educación es el factor de mayor influencia en el AF. Estos hallazgos son de utilidad en el diseno y la instrumentación de políticas de inclusión financiera. ****** The purpose of this paper is to analyse the determinants of financial literacy (FL) in Mexico, through its components: attitude, behaviour, and knowledge. An analysis of variance and ordered logit models were applied to the 2018 data from the National Survey on Financial Inclusion (NSFI). The results confirm that FL is low, a gender gap exists, and education is the factor that most influences FL in Mexico. These findings are useful in designing and implementing financial inclusión policies. ****** O objetivo desta pesquisa é analisar os determinantes da alfabetizacao financeira (AF) no México, por meio de seus componentes: atitude, comportamento e conhecimento. Utilizaram-se análises de variancias e Modelos Logit ordenados, aplicados aos dados de 2018 da Pesquisa Nacional de Inclusao Financeira (ENIF). Confirma-se que (1) o nível de AF é baixo, (2) existe uma lacuna de genero e (3) a educacao é o fator de maior influencia na AF. Essas descobertas sao úteis no design e na implementacao de políticas de inclusao financeira.

Suggested Citation

  • Osvaldo García Mata & Ana Luz Zorrilla del Castillo & Arturo Briseño García & Eduardo Arango Herrera, 2021. "Actitud financiera, comportamiento financiero y conocimiento financiero en México," Revista Cuadernos de Economia, Universidad Nacional de Colombia, FCE, CID, vol. 40(83), pages 431-457, August.
    • Handle: RePEc:col:000093:020174
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    Cited by:

    1. Alfredo Cuecuecha Mendoza, 2024. "The effect of remittances on financial literacy in Mexico," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-22, Enero - M.

    More about this item

    Keywords

    actitud financiera; comportamiento financiero; conocimiento financiero.;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I25 - Health, Education, and Welfare - - Education - - - Education and Economic Development
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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