Determinants of financial education in Ecuador
Financial education influences the development of economic agents, providing efficient knowledge to manage their resources. This article will identify the level of financial literacy in Ecuador, through building a Financial Knowledge indicator based on sub-indicators, applying the structural equatio...
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| Formato: | article |
| Idioma: | spa |
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2022
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| Acceso en liña: | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/308 |
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| author | Meza Villacis, Arelis Patricia |
| author2 | Guachamín, Marcela |
| author2_role | author |
| author_facet | Meza Villacis, Arelis Patricia Guachamín, Marcela |
| author_role | author |
| collection | Revista Cuestiones Económicas |
| dc.creator.none.fl_str_mv | Meza Villacis, Arelis Patricia Guachamín, Marcela |
| dc.date.none.fl_str_mv | 2022-12-22 |
| dc.format.none.fl_str_mv | application/pdf |
| dc.identifier.none.fl_str_mv | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/308 10.47550/RCE/32.2.2 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Banco Central del Ecuador |
| dc.relation.none.fl_str_mv | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/308/324 |
| dc.rights.none.fl_str_mv | info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | Cuestiones Económicas; Vol. 32 Núm. 2 (2022): Revista Cuestiones Económicas; Autores: Arelis Meza y Marcela Guachamín 2697-3367 2697-3367 reponame:Revista Cuestiones Económicas instname:Banco Central del Ecuador instacron:BCE |
| dc.subject.none.fl_str_mv | Credit demand COVID-19 snowball sampling financial inclusion Educación financiera Indicador de Conocimiento Financiero PLSSEM Modelo Logit |
| dc.title.none.fl_str_mv | Determinants of financial education in Ecuador Determinantes que impulsan la educación financiera en Ecuador |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Artículos de Investigación |
| description | Financial education influences the development of economic agents, providing efficient knowledge to manage their resources. This article will identify the level of financial literacy in Ecuador, through building a Financial Knowledge indicator based on sub-indicators, applying the structural equation methodology by the partial least squares method PLS-SEM. The results obtained are consistent and identified the provinces of Ecuador that have high or low levels of financial knowledge. In addition, a binomial logit model was used to characterize individuals’ socio-demographically. Demonstrated that being a woman and living in rural areas decreases the probability of having financial knowledge and that having a job, or some degree of formal education does not guarantee that individuals have a high level of financial literacy. |
| eu_rights_str_mv | openAccess |
| format | article |
| id | REVCUESTEC_de793e1a6cff728b0d1d61e2ada5d51c |
| identifier_str_mv | 10.47550/RCE/32.2.2 |
| instacron_str | BCE |
| institution | BCE |
| instname_str | Banco Central del Ecuador |
| language | spa |
| network_acronym_str | REVCUESTEC |
| network_name_str | Revista Cuestiones Económicas |
| oai_identifier_str | oai:estudioseconomicos.bce.fin.ec:article/308 |
| publishDate | 2022 |
| publisher.none.fl_str_mv | Banco Central del Ecuador |
| reponame_str | Revista Cuestiones Económicas |
| repository.mail.fl_str_mv | |
| repository.name.fl_str_mv | Revista Cuestiones Económicas - Banco Central del Ecuador |
| repository_id_str | |
| spelling | Determinants of financial education in EcuadorDeterminantes que impulsan la educación financiera en Ecuador Meza Villacis, Arelis PatriciaGuachamín, MarcelaCredit demandCOVID-19snowball samplingfinancial inclusionEducación financieraIndicador de Conocimiento FinancieroPLSSEMModelo LogitFinancial education influences the development of economic agents, providing efficient knowledge to manage their resources. This article will identify the level of financial literacy in Ecuador, through building a Financial Knowledge indicator based on sub-indicators, applying the structural equation methodology by the partial least squares method PLS-SEM. The results obtained are consistent and identified the provinces of Ecuador that have high or low levels of financial knowledge. In addition, a binomial logit model was used to characterize individuals’ socio-demographically. Demonstrated that being a woman and living in rural areas decreases the probability of having financial knowledge and that having a job, or some degree of formal education does not guarantee that individuals have a high level of financial literacy. La educación financiera influye en el desarrollo de los agentes económicos, brindando el conocimiento para gestionar eficientemente sus recursos. Este artículo identificará el nivel de educación financiera en Ecuador, a través de la construcción de un Indicador de Conocimiento Financiero en función de subindicadores, aplicando la metodología de ecuaciones estructurales por el método de mínimos cuadrados parciales PLS-SEM. Los resultados obtenidos son consistentes e identificaron a las provincias en el Ecuador que poseenalto o bajo nivel de conocimiento financiero. Además, se utilizó un Modelo Logit binomial para caracterizar sociodemográficamente a los individuos, demostrando que el ser mujer y vivir en el área rural disminuye la probabilidad de tener conocimiento financiero, y que el tener empleo o algún grado de instrucción formal no garantiza que los individuos tengan alto nivel de educación financiera.Banco Central del Ecuador2022-12-22info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtículos de Investigaciónapplication/pdfhttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/30810.47550/RCE/32.2.2Cuestiones Económicas; Vol. 32 Núm. 2 (2022): Revista Cuestiones Económicas; Autores: Arelis Meza y Marcela Guachamín2697-33672697-3367reponame:Revista Cuestiones Económicasinstname:Banco Central del Ecuadorinstacron:BCEspahttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/308/324info:eu-repo/semantics/openAccess2025-09-03T16:08:53Zoai:estudioseconomicos.bce.fin.ec:article/308Portal de revistashttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCEOrganismo de gobiernowww.bce.fin.echttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/oaiEcuadoropendoar:2025-09-03T16:08:53falsePortal de revistashttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCEOrganismo de gobiernowww.bce.fin.echttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/oaiEcuadoropendoar:2025-09-03T16:08:53Revista Cuestiones Económicas - Banco Central del Ecuadorfalse |
| spellingShingle | Determinants of financial education in Ecuador Meza Villacis, Arelis Patricia Credit demand COVID-19 snowball sampling financial inclusion Educación financiera Indicador de Conocimiento Financiero PLSSEM Modelo Logit |
| status_str | publishedVersion |
| title | Determinants of financial education in Ecuador |
| title_full | Determinants of financial education in Ecuador |
| title_fullStr | Determinants of financial education in Ecuador |
| title_full_unstemmed | Determinants of financial education in Ecuador |
| title_short | Determinants of financial education in Ecuador |
| title_sort | Determinants of financial education in Ecuador |
| topic | Credit demand COVID-19 snowball sampling financial inclusion Educación financiera Indicador de Conocimiento Financiero PLSSEM Modelo Logit |
| url | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/308 |