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Impacto de las variables sociodemográficas en los niveles de alfabetización financiera en México

Author

Listed:
  • Georgina Manrique Morteo

    (Colegio Jurista, México)

  • Héctor Francisco Salazar Núñez

    (Instituto Tecnológico Superior de Misantla, México)

  • Elena Moreno García

    (Instituto Tecnológico Superior de Misantla, México)

Abstract

El objetivo de la presente investigación es analizar cómo las variables sociodemográficas influyen en el nivel de alfabetización financiera en la población adulta en México. Datos: Los datos se obtienen de la Encuesta Nacional de Inclusión Financiera ENIF (2021).Método: Se construye un índice de alfabetización financiera y a partir del coeficiente de correlación Pearson se mide la relación estadística que existe entre el índice y las variables edad, género, estado civil, localidad, nivel educativo y nivel de ingresos y se estima un modelo ANOVA para identificar la incidencia de las variables exógenas en el índice. Resultados: Los resultados obtenidos muestran que la variable nivel educativo es la que más impacta en el índice de alfabetización financiera, seguida por el nivel de ingresos de la población y que las variables género y estado civil tienen un impacto marginal. Originalidad: La forma de construir las variables exógenas, que dio origen al significado de los parámetros estimados del modelo econométrico. Hallazgos: Se identificó un impacto marginal en el índice en función del género, a diferencia de la importancia que tiene esta variable en la literatura científica sobre alfabetización financiera. Limitaciones: Casi el 90% de la población encuestada tiene un ingreso igual o menor a cuatro salarios mínimos, lo cual muestra la desigualdad económica de México.

Suggested Citation

  • Georgina Manrique Morteo & Héctor Francisco Salazar Núñez & Elena Moreno García, 2024. "Impacto de las variables sociodemográficas en los niveles de alfabetización financiera 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(4), pages 1-13, Octubre -.
    • Handle: RePEc:imx:journl:v:19:y:2024:i:4:a:3
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/1071
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    References listed on IDEAS

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    5. Annamaria Lusardi & Olivia S. Mitchell, 2016. "La importancia económica de la alfabetización financiera: teorías y pruebas," Boletín, Centro de Estudios Monetarios Latinoamericanos, CEMLA, vol. 0(4), pages 301-348, octubre-d.
    6. Annamaria Lusardi & Olivia S. Mitchell, 2014. "The Economic Importance of Financial Literacy: Theory and Evidence," Journal of Economic Literature, American Economic Association, vol. 52(1), pages 5-44, March.
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    Keywords

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    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid

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