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Financial Literacy of Workers in the Tourism Industry in Mexico in 2023: a Structural Equations Approach

Author

Listed:
  • Arturo García-Santillán

    (Tecnológico Nacional de México, México)

  • Francisco Venegas-Martínez

    (Instituto Politécnico Nacional, México)

  • Ricardo Jacob Mendoza-Rivera

    (Instituto Politécnico Nacional, México)

Abstract

Este trabajo intenta examinar el nivel de conocimiento financiero de los trabajadores de la industria turística en México a través de la Metodología de Ecuaciones Estructurales (SEM). El tipo de muestreo no es probabilístico por autodeterminación. Se aplica un cuestionario a 500 trabajadores, en 2023, de empresas mexicanas del sector turístico considerando los siguientes 7 temas: Inversión, ahorro, crédito, seguros, pensiones, etc. gastos y presupuestos. El SEM permite sacar a la luz el conocimiento financiero que los trabajadores encuestados tienen sobre estos temas. A partir de una estructura factorial obtenida del análisis confirmatorio, que presenta buena bondad de ajuste, ajuste estructural y parsimonía, los principales hallazgos son: 1) en términos de crédito, los trabajadores dan importancia a los requisitos solicitados por las instituciones financieras y consideran que son fáciles de interpretar y cumplir, 2) en términos de cuentas de fondos de jubilación, los trabajadores se sienten confiados en las instituciones que administran sus ahorros de jubilación y tienen claras las comisiones, 3) en términos de ahorro, los trabajadores perciben que las cuentas bancarias se han adaptado a sus necesidades, ya que los bancos se han vuelto muy flexibles en términos de requisitos de apertura y montos iniciales con información clara y completa de la cuenta, 4) en términos de inversión, los trabajadores apenas adquieren pagarés bancarios, y 5) en cuanto al seguro de vida, los trabajadores expresan la facilidad que existe para contratar un seguro, aunque el costo es limitado. Los resultados obtenidos tienen implicaciones prácticas para que el sector turístico continúe promoviendo el hábito de ahorro y el uso de servicios y productos financieros a los que el trabajador pueda tener acceso, ya que este conocimiento financiero se traduce en empleados más organizados en sus asuntos financieros.

Suggested Citation

  • Arturo García-Santillán & Francisco Venegas-Martínez & Ricardo Jacob Mendoza-Rivera, 2024. "Financial Literacy of Workers in the Tourism Industry in Mexico in 2023: a Structural Equations Approach," 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 1-15, Enero - M.
  • Handle: RePEc:imx:journl:v:19:y:2024:i:1:p:6
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/962
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    References listed on IDEAS

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    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Educación financiera; metodología SEM; educación financiera; educación financiera;
    All these keywords.

    JEL classification:

    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • G52 - Financial Economics - - Household Finance - - - Insurance
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

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