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Determinantes de la Alfabetización Financiera de la Población Bogotana Bancarizada

Author

Listed:
  • Nidia García Bohórquez
  • Fayber Alfonso Acosta Pardo
  • Jorge Leonardo Rueda Gil

Abstract

Con un sistema financiero complejo que ofrece productos cada vez más sofisticados, y la mayor facilidad para acceder a estos, los individuos pueden incurrir en prácticas financieras indeseadas que deterioran su bienestar y perturban el funcionamiento de la economía en general. Este documento analiza los niveles de alfabetización financiera en la población bancarizada de Bogotá, utilizando como fuente de información la Encuesta Colombiana de Carga y Educación Financiera (IEFIC). Los resultados evidencian que los principales determinantes de tener un mayor nivel de alfabetización financiera son el ser hombre, ser mayor de edad pero menor de 60 años, estar casado, y tener un mayor nivel educativo y de ingresos.

Suggested Citation

  • Nidia García Bohórquez & Fayber Alfonso Acosta Pardo & Jorge Leonardo Rueda Gil, 2013. "Determinantes de la Alfabetización Financiera de la Población Bogotana Bancarizada," Borradores de Economia 792, Banco de la Republica de Colombia.
    • Handle: RePEc:bdr:borrec:792
    DOI: 10.32468/be.792
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    References listed on IDEAS

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    More about this item

    Keywords

    Alfabetización financiera; bancarización; encuesta de hogares; mercado financiero; modelos probabilísticos.;
    All these keywords.

    JEL classification:

    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid
    • G02 - Financial Economics - - General - - - Behavioral Finance: Underlying Principles
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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