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Ahorro para emergencias, la inclusión y la educación financiera en México

Author

Listed:
  • Sergio Hernández Mejía

    (Universidad Cristobal Colón, México)

  • Elena Moreno García

    (Universidad Cristobal Colón, México)

Abstract

El objetivo de esta investigación es analizar la relación que existe entre el conocimiento, la educación y la inclusión financiera de los mexicanos y la tenencia de cuentas de ahorro para enfrentar emergencias económicas. Asimismo, se identifican los determinantes sociodemográficos y financieros de la tenencia de estas cuentas de ahorro para emergencias de la población. Para el análisis se utiliza el modelo Probit dicotómico, estimado con datos de la Encuesta Nacional de Inclusión Financiera 2018. Los resultados evidencian que el conocimiento financiero, la tenencia de cuentas financieras, la capacitación financiera y la tenencia de activos físicos tienen un efecto positivo y significativo sobre la tenencia de ahorro para cubrir una emergencia. La tenencia de cuenta de ahorro es el predictor más robusto, cuyo efecto en la probabilidad de tenencia de ahorro para emergencias es de 12.96%. Los encuestados con mayor probabilidad de tener un fondo de emergencia son hombres, de mayor edad, casados, con mayor nivel educativo, de localidad urbana y menor número de dependientes. Los hallazgos pueden ser de utilidad para el diseño de estrategias de educación financiera que permitan a la población en general incrementar el acceso a fuentes de ahorro de corto plazo.

Suggested Citation

  • Sergio Hernández Mejía & Elena Moreno García, 2025. "Ahorro para emergencias, la inclusión y la educación 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. 20(2), pages 1-22, Abril - J.
    • Handle: RePEc:imx:journl:v:20:y:2025:i:2:a:2
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    References listed on IDEAS

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    Keywords

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    JEL classification:

    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy

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