Publicado

2021-08-06

Actitud financiera, comportamiento financiero y conocimiento financiero en México

Financial attitude, financial behaviour, and financial knowledge, in Mexico

Atitude financeira, comportamento financeiro e conhecimento financeiro no México

Palabras clave:

actitud financiera, comportamiento financiero, conocimiento financiero (es)
financial attitude, financial behavior, financial knowledge (en)
atitude financeira, comportamento financeiro, conhecimento financeiro (pt)

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Autores/as

  • Osvaldo García Mata Universidad Autónoma de Tamaulipas, México https://orcid.org/0000-0001-7791-0983
  • Ana Luz Zorrilla del Castillo Universidad Autónoma de Tamaulipas, México
  • Arturo Briseño García Universidad Autónoma de Tamaulipas, México
  • Eduardo Arango Herrera Universidad Autónoma de Tamaulipas, México

El objetivo de esta investigación es analizar los determinantes del alfabetismo financiero (AF) en México, a través de sus componentes: actitud, comportamiento y conocimiento. Se emplearon análisis de varianzas y modelos logit ordenados, aplicados a datos de 2018 de la Encuesta Nacional de Inclusión Financiera (ENIF). Se confirma que (1) el nivel de AF es bajo, (2) existe una brecha de género y (3) la educación es el factor de mayor influencia en el AF. Estos hallazgos son de utilidad en el diseño y la instrumentación de políticas de inclusión financiera.

The purpose of this paper is to analyse the determinants of financial literacy (FL) in Mexico, through its components: attitude, behaviour, and knowledge. An analysis of variance and ordered logit models were applied to the 2018 data from the National Survey on Financial Inclusion (NSFI). The results confirm that FL is low, a gender gap exists, and education is the factor that most influences FL in Mexico. These findings are useful in designing and implementing financial inclusion
policies.

O objetivo desta pesquisa é analisar os determinantes da alfabetização financeira (AF) no México, por meio de seus componentes: atitude, comportamento e conhecimento. Utilizaram-se análises de variâncias e Modelos Logit ordenados, aplicados
aos dados de 2018 da Pesquisa Nacional de Inclusão Financeira (ENIF).
Confirma-se que (1) o nível de AF é baixo, (2) existe uma lacuna de gênero e (3) a educação é o fator de maior influência na AF. Essas descobertas são úteis no design e na implementação de políticas de inclusão financeira.

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Citas

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