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Older Adults' Financial Literacy Spatial Analysis in Tlaxcala

Author

Listed:
  • Kristiano Raccanello

    (Fundación Universidad de las Américas Puebla, México)

  • Ramos Montalvo Vargas

    (Universidad Autónoma de Tlaxcala, México)

Abstract

Este artículo mapea la educación financiera de las personas adultas mayores (PAM) en 59 de 60 municipios del estado de Tlaxcala (México) analizando los patrones a nivel municipal y distrito electoral. A través de una muestra aleatoria de 2954 PAM, medimos y comparamos las medias de educación financiera de los subgrupos respecto a la media estatal. Sólo el 2,33% de todas las PAM tienen conocimientos financieros, y aquellos con mayor dependencia muestran menores conocimientos respecto a la media estatal. Tener educación formal y no haber heredado se asocian con mejores conocimientos y el analfabetismo financiero se asocia con la violencia hacia las PAM. Estos resultados pueden constituir una línea base para políticas públicas y evidencian las vulnerabilidades específicas de este grupo etario. La principal limitación consiste en no haber alcanzado todos los municipios ni todos los distritos electorales. La originalidad de esta investigación radica en el mapeo de microdatos agregados que puede beneficiar a los tomadores de decisiones y a los investigadores. Para difundir la educación financiera es necesario adoptar medidas específicas y vinculadas a la política nacional en materia.

Suggested Citation

  • Kristiano Raccanello & Ramos Montalvo Vargas, 2025. "Older Adults' Financial Literacy Spatial Analysis in Tlaxcala," 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. 20(1), pages 1-26, Enero - M.
    • Handle: RePEc:imx:journl:v:20:y:2025:i:1:a:1
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/1146
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    More about this item

    Keywords

    Financial literacy; Older adults; Spatial analysis; Tlaxcala;
    All these keywords.

    JEL classification:

    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • J18 - Labor and Demographic Economics - - Demographic Economics - - - Public Policy
    • J19 - Labor and Demographic Economics - - Demographic Economics - - - Other
    • Y10 - Miscellaneous Categories - - Data: Tables and Charts - - - Data: Tables and Charts

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