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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
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    References listed on IDEAS

    as
    1. Annamaria Lusardi & Olivia S. Mitchell, 2011. "The Outlook for Financial Literacy," NBER Working Papers 17077, National Bureau of Economic Research, Inc.
    2. Christopher B. Bumcrot & Judy Lin & Annamaria Lusardi, 2011. "The Geography of Financial Literacy," Working Papers 893, RAND Corporation.
    3. Adele Atkinson & Stephen McKay & Sharon Collard & Elaine Kempson, 2007. "Levels of Financial Capability in the UK," Public Money & Management, Chartered Institute of Public Finance and Accountancy, vol. 27(1), pages 29-36, February.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

    Alfabetización financiera; bancarización; encuesta de hogares; mercado financiero; modelos probabilísticos. Classification JEL: I22; G02; O16.;

    JEL classification:

    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid
    • G02 - Financial Economics - - General - - - Behavioral Finance: Underlying Principles

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