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Incidencia de los factores socioeconómicos en la alfabetización financiera

Author

Listed:
  • Ceyla Antonio-Anderson

    (Universidad Autónoma de Coahuila, México)

  • Elena Fuentes

    (Universidad Autónoma Agraria Antonio Narro, México)

  • Maricela Carolina Peña Cárdenas

    (Universidad Autónoma de Coahuila, México)

Abstract

Objetivo: identificar la relación de la alfabetización financiera con los factores socioeconómicos. Método: Modelo de regresión de respuesta fraccional. Resultados: Los factores con efecto positivo fueron la vida en pareja, actividad laboral, residencia en localidades con más de 15,000 habitantes, escolaridad e ingresos. Mostraron un efecto negativo el género masculino, edad y lengua indígena. Recomendaciones: Considerar las diferencias regionales y por edades en el diseño de política públicas enfocadas a mejorar la educación financiera. Limitaciones: Información representativa sobre alfabetización financiera en áreas rurales. Originalidad: método de estimación aplicado a la alfabetización financiera para México y sus regiones. Conclusiones: Para la alfabetización financiera y sus componentes, conocimientos y comportamientos financieros se presentó la misma tendencia tanto a nivel nacional como regional. El género no fue relevante a nivel de regiones. La región con más variables no significativas fue la región 4 Ciudad de México. El componente de actitudes financieras fue el que presentó resultados más diversos entre las regiones; y, el ingreso no determina las actitudes financieras.

Suggested Citation

  • Ceyla Antonio-Anderson & Elena Fuentes & Maricela Carolina Peña Cárdenas, 2024. "Incidencia de los factores socioeconómicos en la alfabetización financiera," 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 1-25, Enero - M.
    • Handle: RePEc:imx:journl:v:19:y:2024:i:1:p:4
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/961
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    References listed on IDEAS

    as
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    More about this item

    Keywords

    Alfabetización financiera; logit fraccional; factores socioeconómicos;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid

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