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La educación financiera en edades tempranas

Author

Listed:
  • Isabel Alcalde

    (BANCO DE ESPAÑA)

  • Patricia Stupariu

    (BANCO DE ESPAÑA)

Abstract

La educación financiera durante la infancia y las primeras etapas de la formación reglada presenta una especial relevancia en la actualidad, dado que el acceso al dinero y a los productos financieros ocurre a edades cada vez más tempranas. En este documento se analizan los retos y los aspectos fundamentales del diseño de los programas de educación financiera dirigidos a dichas edades. Los temas abordados incluyen la importancia de adaptar los contenidos a las capacidades cognitivas de los alumnos, de fomentar actitudes y comportamientos responsables hacia los asuntos financieros y de reforzar la educación financiera en el currículo escolar. Asimismo, se presentan los resultados de un análisis basado en la Encuesta de Competencias Financieras que lleva a cabo el Banco de España, relativos al vínculo entre los conocimientos financieros, las características sociodemográficas y la formación en temas financieros de la población.

Suggested Citation

  • Isabel Alcalde & Patricia Stupariu, 2025. "La educación financiera en edades tempranas," Occasional Papers 2510, Banco de España.
    • Handle: RePEc:bde:opaper:2510
    DOI: https://doi.org/10.53479/39945
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    File URL: https://www.bde.es/f/webbe/SES/Secciones/Publicaciones/PublicacionesSeriadas/DocumentosOcasionales/25/Fich/do2510.pdf
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    More about this item

    Keywords

    educación financiera; jóvenes; edades tempranas; conocimientos financieros; competencias financieras;
    All these keywords.

    JEL classification:

    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I21 - Health, Education, and Welfare - - Education - - - Analysis of Education
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making

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