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Determinantes de la alfabetización financiera de los empleadores en México

Author

Listed:
  • Julio César Garcia Martinez

    (Universidad Politécnica de Victoria, México)

  • Daniela Cruz Delgado

    (Universidad Politécnica de Victoria, México)

  • Estela Torres Ramírez

    (Universidad Politécnica de Victoria, México)

Abstract

El objetivo de la investigación fue medir el índice de alfabetización financiera (IAF) de los empleadores y determinar los factores que lo influyen con base en datos de la Encuesta Nacional de Inclusión Financiera 2021. En dicha medición, se utilizó la metodología de la OECD (2015), adaptada por la CNBV (2019). Para analizar los factores determinantes se utilizó un modelo lineal generalizado con muestras complejas mediante el software SPSS (versión 26). Las personas con actividad empresarial, obtuvieron un índice de 63.6, en escala de 0 a 100, 5 puntos por arriba de la población general en México (58.6). Las variables, sexo, escolaridad, acceso a educación financiera y confianza en el sistema, resultaron significativas. Se recomienda en futuros estudios indagar si existen diferencias entre empleadores por tamaño de empresa. La originalidad, reside en haber utilizado una muestra representativa a nivel nacional con empleadores como población objetivo. La educación financiera debería atender, especialmente, a los empleadores más jóvenes, con menor nivel educativo y sin acceso a información financiera para mejorar su comportamiento de acuerdo al análisis de regresión.

Suggested Citation

  • Julio César Garcia Martinez & Daniela Cruz Delgado & Estela Torres Ramírez, 2024. "Determinantes de la alfabetización financiera de los empleadores en México," 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 1-19, Enero - M.
    • Handle: RePEc:imx:journl:v:19:y:2024:i:1:p:9
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/933
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    References listed on IDEAS

    as
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    More about this item

    Keywords

    Alfabetización Financiera; Educación Financiera; Conocimientos Financieros; Comportamiento Financiero; Modelo Lineal Generalizado;
    All these keywords.

    JEL classification:

    • G5 - Financial Economics - - Household Finance
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • C19 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Other

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