Alfabetización financiera y nivel educativo en estudiantes ecuatorianos: un análisis estructural

"Background: Financial literacy has been recognized as a key competency for making in-formed economic decisions, particularly in contexts where access to financial products exceeds the population’s literacy level. However, in Ecuador, persistent gaps remain be-tween formal educational attainment and applied financial knowledge. In this context, the objective of this study was to analyze the relationship between educational level and financial literacy among Ecuadorian students. Methods: A quantitative approach was adopted, with a descriptive-correlational level, non-experimental type, and cross-sectional design. The sample consisted of 2,021 participants, selected through non-probabilistic convenience sampling. A structured questionnaire of 33 items was administered, distributed across four analytical dimensions. Statistical analysis was performed using SPSS and AMOS,including reliability testing, factorial validity, and structural model fit. Results: The results revealed that educational level has a significant effect on financial literacy. Individuals with higher education exhibited the highest levels, while those who completed only primary education showed the lowest. Four latent factors were validated: technical knowledge, socioeconomic impact of financial education, practical application of knowledge, and financial self management"

• מחבר ראשי: Sabando García , Àngel Ramón (author)
• מחברים אחרים: Bastidas Guerrón , Jeaneth Lucía (author), Cárdenas Fierro , Gisselle Mariuxi (author), Mora Lucero , Ana Cristinas (author), Quinde Sari , Freddy Richard (author), Moreira Choez , Jenniffer Sobeida (author)
• פורמט: article
• יצא לאור: 2025
• נושאים: Alfabetización financiera; Nivel educativo; Evaluación educativa; Comportamiento del consumidor; Cultura económica; Educación superior; Factores socioeconómicos; Toma de decisiones financieras
• גישה מקוונת: https://doi.org/10.3389/feduc.2025.1596635; https://www.frontiersin.org/journals/education/articles/10.3389/feduc.2025.1596635/full; https://repositorio.puce.edu.ec/handle/123456789/47449