Correo Electrónico
DNINFOA - SIA
Bibliotecas
Convocatorias
Identidad U.N.
Publicado
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
DOI:
https://doi.org/10.15446/cuad.econ.v40n83.83247Palabras clave:
actitud financiera, comportamiento financiero, conocimiento financiero (es)financial attitude, financial behavior, financial knowledge (en)
atitude financeira, comportamento financeiro, conhecimento financeiro (pt)
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.
Referencias
Almenberg, J., & Widmark, O. (2011). Numeracy, financial literacy and participation in asset markets (SSRN Scholarly Paper ID 1756674). Social Science Research Network. https://doi.org/10.2139/ssrn.1756674
Arceo, E. O., & Villagómez, F. A. (2017). Financial literacy among Mexican High School Teenagers. International Review of Economics Education, 24, 1-17. https://doi.org/10.1016/j.iree.2016.10.001
Arun, T., & Kamath, R. (2015). Financial inclusion: Policies and practices. IIMB Management Review, 27(4), 267-287. https://doi.org/10.1016/j.iimb.2015.09.004
Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy. Results of the OECD / International Network on Financial Education (INFE) pilot study (OECD Working Papers on Finance, Insurance and Private Pensions No. 1). https://dx.doi.org/10.1787/5k9csfs90fr4-en
Baglioni, A., Colombo, L., & Piccirilli, G. (2018). On the anatomy of financial literacy in Italy. Economic Notes, 47(2-3), 245-304. https://doi.org/10.1111/ecno.12111
Bernheim, B. D., Garrett, D. M., & Maki, D. M. (2001). Education and saving. The long-term effects of high school financial curriculum mandates. Journal of Public Economics, 80(3), 435-465. https://doi.org/10.1016/S0047-2727(00)00120-1
Boisclair, D., Lusardi, A., & Michaud, P. C. (2014). Financial literacy and retirement planning in Canada. Scientific Series. Montreal: Cirano. https://www.cirano.qc.ca/files/publications/2014s-35.pdf
Clark, R. L., D’Ambrosio, M. B., McDermed, A. A., & Sawant, K. (2006). Retirement plans and saving decisions the role of information and education. Journal of Pension Economics and Finance, 5(1), 45-67. https://doi.org/10.1017/S1474747205002271
Cucinelli, D., Trivellato, P., & Zenga, M. (2019). Financial literacy. The role of the local context. Journal of Consumer Affairs, 53(4), 1-46. https://doi.org/10.1111/joca.12270
Finke, M. S., Howe, J. S., & Huston, S. J. (2011, 24 de agosto). Old age and the decline in financial literacy. Forthcoming in Management Science. http://dx.doi.org/10.2139/ssrn.1948627
Fonseca, R., Mullen, K. J., Zamarro, G., & Zissimopoulos, J. (2012). What explains the gender gap in financial literacy? The role of household decision making. Journal of Consumer Affairs, 46(1), 90-106. https://doi.org/10.1111/j.1745-6606.2011.01221.x
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296-316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Instituto Nacional de Estadística y Geografía (INEGI). (2019). Encuesta Nacional de Inclusión Financiera 2018. https://www.inegi.org.mx/contenidos/programas/enif/2018/doc/enif_2018_resultados.pdf
Klapper, L., Lusardi, A., & van Oudheusden, P. (2015). Financial literacy around the world: Insights from the Standard & Poor’s ratings services global financial literacy survey. Reporte de Financial Literacy around the World. https://bit.ly/3ocw4ki
Leckie, G., Morris, T., & Steele, F. (2016). Single-level and multilevel models for ordinal responses - Stata practical. http://www.bristol.ac.uk/cmm/learning/online-course/
Lusardi, A. (2015). Financial literacy skills for the 21st century. Evidence from PISA. Journal of Consumer Affairs, 49(3), 639-659. https://doi.org/10.1111/joca.12099
Lusardi, A. (2019). Financial literacy and the need for financial education: Evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1-8. https://doi.org/10.1186/s41937-019-0027-5
Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement planning. New evidence from the rand American life panel. Michigan: Ann Arbor.
Lusardi, A., & Mitchell, O. S. (2011a). Financial literacy and planning. Implications for retirement wellbeing (NBER Working Paper Series 17078). Cambridge, Massachusetts. http://www.nber.org/papers/w17078
Lusardi, A., & Mitchell, O. S. (2011b). Financial literacy around the world. An overview. Journal of Pension Economics and Finance, 10(4), 497-508. https://doi.org/10.1017/S1474747211000448
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy. Theory and evidence. Journal of Economic Literature, 52(1), 5-44. https://doi.org/10.1257/jel.52.1.5
Mancebón, M. J., Ximénez, D. P., Mediavilla, M., & Gómez, J. M. (2019). Factors that influence the financial literacy of young Spanish consumers. International Journal of Consumer Studies, 43(2), 227-235. https://doi.org/10.1111/ijcs.12502
Mitchell, O. S., & Lusardi, A. (2015). Financial literacy and economic outcomes. Evidence and policy implications. The Journal of Retirement, 3(1), 107-114. https://doi.org/10.3905/jor.2015.3.1.107
Organization for Economic Cooperation and Development (OECD). (2018). Effective financial education for sustainable and inclusive growth. www.financial-education.org
Organization for Economic Cooperation and Development (OECD). International Network on Financial Education. (2011). Measuring financial literacy: Core questionnaire. Measuring financial literacy: Questionnaire and guidance notes for conducting an internationally comparable survey of financial literacy. París: autor. https://www.oecd.org/finance/financial-education/49319977.pdf
Potrich, A. C. G., Vieira, K. M., & Kirch, G. (2015). Determinants of financial literacy: Analysis of the influence of socioeconomic and demographic variables. Revista Contabilidade e Finanças, 26(69), 362-377. https://doi.org/10.1590/1808-057x201501040
Raccanello, K. H. (2014). Educación e inclusión financiera. Construcción Ciudadana de lo Público, 44(2), 119-141.
Remund, D. L. (2010). Financial literacy explicated. The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276-295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Salvatore, A., Franceschi, F., Neri, A., & Zanichelli, F., (2017). Measuring the financial literacy of the adult population. The experience of the Bank of Italy. En IFC satellite seminar at the ISI World Statistics Congress on “Financial Inclusion” (pp. 1-49). Marrakech, Marruecos. https://www.bis.org/ifc/publ/ifcb47f.pdf
Servon, L., & Kaestner, R. (2008). Consumer financial literacy and the impact of online banking on the financial behavior of lower-income bank customers. Journal of Consumer Affairs, 42(2), 271-305. https://doi.org/10.1111/j.1745-6606.2008.00108.x
Van Rooij, M. C. J., Lusardi, A., & Alessie, R. J. M. (2011). Financial literacy and retirement planning in the Netherlands. Journal of Economic Psychology, 32(4), 593-608. https://doi.org/10.1016/j.joep.2011.02.004
Villagómez, A., & Hidalgo J. A. (2017). Financial literacy and mathematics. A study among young Mexican high school students. Revista Mexicana de Economía y Finanzas, 12(2), 1-22.
Villagómez, F. A. (2016). Alfabetismo financiero en jóvenes preparatorianos en la zona metropolitana del Valle de México. El Trimestre Económico, 83(331), 677. https://doi.org/10.20430/ete.v83i331.215
Villagómez, F. A., & González, A. (2014). El efecto del alfabetismo financiero en el ahorro para el retiro en México (Working Papers DTE 576). CIDE, División de Economía. https://ideas.repec.org/p/emc/wpaper/dte576.html
Cómo citar
APA
ACM
ACS
ABNT
Chicago
Harvard
IEEE
MLA
Turabian
Vancouver
Descargar cita
CrossRef Cited-by
1. Jheisson Andres Abril Teatin , Fabio Blanco Mesa , Jorge Romero Muñoz. (2024). Financial education evaluation model in emerging market. a qualitative comparative analysis by Gender in Colombia. FACE: Revista de la Facultad de Ciencias Económicas y Empresariales, 24(1), p.6. https://doi.org/10.24054/face.v14i1.2897.
2. Inty Atahualpa Otavalo Criollo, Omar Venega Quintana, Pedro Antonio Salto García. (2025). Análisis del comportamiento financiero de los emprendedores en contexto de alta incertidumbre económica. Sapiens Management Journal, 2(5), p.1. https://doi.org/10.71068/kb1wgp41.
3. Nathaniel D. Guadalquiver, Niño James D. Tan, Joshua Chail Rosil, Ace Virgel T. Batingal, Mylene P. Alfanta. (2025). Describing the Financial Literacy of General Service Employees in One of the Higher Educational Institutions in Pagadian City. International Journal of Innovative Science and Research Technology, , p.310. https://doi.org/10.38124/ijisrt/25may046.
4. Marianela Delgado Olano, Avelino Sebastián Villafuerte De la Cruz, Victor Hugo Puican Rodriguez, Anita Maribel Valladolid Benavides, Carlos Alberto Hinojosa Salazar, Benjamín Roldan Polo Escobar, Julio Arévalo Reategui. (2023). The Need for Innovation in Financial Education: a Study of Household Indebtedness in Peru. Journal of Law and Sustainable Development, 11(11), p.e1665. https://doi.org/10.55908/sdgs.v11i11.1665.
5. Mervin Juan Chavez-Ruiz, Elizabeth Emperatriz Garcia-Salirrosas, Ghenkis Ezcurra-Zavaleta, Jesus Fernando Bejarano-Auqui. (2024). Influence of financial literacy on e-entrepreneurial intention:Role of the mediator of behavioral perceived control in higher education students in the Peruvian context.. Proceedings of the 2024 15th International Conference on E-Education, E-Business, E-Management and E-Learning. , p.350. https://doi.org/10.1145/3670013.3670080.
6. Marianela Delgado Olano, Avelino Sebastián Villafuerte De la Cruz, Victor Hugo Puican Rodriguez, Liliana Del Carmen Suárez Santa Cruz, Anita Maribel Valladolid Benavides, Carlos Alberto Hinojosa Salazar, Benjamín Roldan Polo Escobar, Julio Arévalo Reategui. (2024). The Need for Innovation in Financial Education: A Study of Household Indebtedness in Peru. Revista de Gestão Social e Ambiental, 18(1), p.e04919. https://doi.org/10.24857/rgsa.v18n1-081.
7. Efraín Alfredo Barragán-Perea, Javier Tarango. (2025). Alfabetización financiera como competencia clave en la formación universitaria. Revista Innova Educación, 7(3), p.7. https://doi.org/10.35622/j.rie.2025.03.001.
8. Francisco J. Oliver-Márquez, Almudena Guarnido-Rueda, Ignacio Amate-Fortes, Diego Martínez-Navarro. (2024). Regional Comparative Analysis on the Determinants of the Spaniards’ Financial Knowledge. Journal of the Knowledge Economy, 15(1), p.4203. https://doi.org/10.1007/s13132-023-01308-7.
9. Ana Belén Tulcanaza-Prieto, Alexandra Cortez-Ordoñez, Jairo Rivera, Chang Won Lee. (2025). Is Digital Literacy a Moderator Variable in the Relationship Between Financial Literacy, Financial Inclusion, and Financial Well-Being in the Ecuadorian Context?. Sustainability, 17(6), p.2476. https://doi.org/10.3390/su17062476.
10. Sergio Hernández-Mejía, Elena Moreno-García. (2023). Financial literacy and retirement planning in Mexico. Economics & Sociology, 16(3), p.65. https://doi.org/10.14254/2071-789X.2023/16-3/4.
11. Adriana Medina-Vidal, Mariana Buenestado-Fernández, José Martín Molina-Espinosa. (2023). Financial Literacy as a Key to Entrepreneurship Education: A Multi-Case Study Exploring Diversity and Inclusion. Social Sciences, 12(11), p.626. https://doi.org/10.3390/socsci12110626.
12. Lizbeth Saraí Alvarez Sánchez , Oscar Galván Mendoza . (2024). Metodología de la Investigación: construcción de instrumentos de recolección de información en Ciencias Administrativas. , p.185. https://doi.org/10.61728/AE24001670.
13. Georgina Manrique Morteo, Héctor Francisco Salazar Núñez, Elena Moreno García. (2024). Impacto de las variables sociodemográficas en los niveles de alfabetización financiera en México. Revista Mexicana de Economía y Finanzas, 19(4), p.1. https://doi.org/10.21919/remef.v19i4.1071.
Dimensions
PlumX
Visitas a la página del resumen del artículo
Descargas
Licencia
Derechos de autor 2021 Cuadernos de EconomíaCuadernos de Economía a través de la División de Bibliotecas de la Universidad Nacional de Colombia promueve y garantiza el acceso abierto de todos sus contenidos. Los artículos publicados por la revista se encuentran disponibles globalmente con acceso abierto y licenciados bajo los términos de Creative Commons Atribución-No_Comercial-Sin_Derivadas 4.0 Internacional (CC BY-NC-ND 4.0), lo que implica lo siguiente:
