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Educación Financiera para la Planificación de la Jubilación: El caso de Productores de Quinua Orgánica Certificada en el Altiplano Sur de Bolivia

Author

Listed:
  • Alejandro Herrera Jimenez

    (Investigador senior asociado de INESAD)

  • Beatriz Muriel

    (Directora Ejecutiva e Investigadora Senior de INESAD)

Abstract

Este estudio plantea la Educación Financiera como un factor clave para promover la planificación de la jubilación, analizando el caso de productores de quinua certificada del Altiplano Sur de Bolivia. Se llevó a cabo entrevistas y una encuesta diagnóstica para indagar sobre sus prácticas de ahorro previsional, sus niveles de conocimientos financieros y las condiciones de vida en la vejez en sus comunidades. Se revela una baja incidencia del ahorro a largo plazo, principalmente debido a la falta de educación financiera y sobre pensiones. Ante esta situación, el estudio diseñó e implementó una intervención piloto para fortalecer estos conocimientos. Los efectos fueron notables: los participantes mostraron una mejor comprensión del sistema de pensiones y una mayor disposición a planificar su jubilación. El impacto fue particularmente notorio en las mujeres, que mejoraron sus conocimientos y su capacidad para elaborar planes de ahorro, reduciendo así la brecha de género en educación financiera.

Suggested Citation

  • Alejandro Herrera Jimenez & Beatriz Muriel, 2025. "Educación Financiera para la Planificación de la Jubilación: El caso de Productores de Quinua Orgánica Certificada en el Altiplano Sur de Bolivia," Development Research Working Paper Series 05/2025, Institute for Advanced Development Studies.
    • Handle: RePEc:adv:wpaper:202505
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    References listed on IDEAS

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    Keywords

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    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • Q12 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Micro Analysis of Farm Firms, Farm Households, and Farm Input Markets

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