Inclusión financiera y su influencia en las finanzas personales de los habitantes del cantón Chambo año 2023
This research project aims to analyze financial inclusion and its impact on the personal finances of residents in Chambo Canton in 2023. A quantitative approach was employed, with a correlational scope, field-based methodology, and a non-experimental cross-sectional design. The study population cons...
में बचाया:
| मुख्य लेखक: | |
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| स्वरूप: | bachelorThesis |
| भाषा: | spa |
| प्रकाशित: |
2025
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| विषय: | |
| ऑनलाइन पहुंच: | http://dspace.unach.edu.ec/handle/51000/15625 |
| टैग: |
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टैग जोड़ें | सारांश: | This research project aims to analyze financial inclusion and its impact on the personal finances of residents in Chambo Canton in 2023. A quantitative approach was employed, with a correlational scope, field-based methodology, and a non-experimental cross-sectional design. The study population consisted of 2,111 individuals from the economically active population of the urban area of the canton. The researcher selected a probabilistic sample of 326 people. A structured survey using a Likert scale was applied, consisting of 25 items that assessed perceptions of financial inclusion and the level of knowledge regarding personal financial management. The main results show that, in terms of access, Chambo Canton has 21 financial service points per 10,000 inhabitants, a figure significantly lower than the provincial average of 44 service points per 10,000 inhabitants. Regarding the use of the financial system, it was possible to identify that 84.67% of respondents have at least one demand deposit account in institutions belonging to the Popular and Solidarity Financial System, and 42.19% have some credit product within the same system. In terms of personal financial management, 52.45% of respondents understand basic concepts such as saving, investment, budgeting, income, and expenses; 38.04% allocate part of their income to savings; and 46.32% prepare a budget on a weekly or monthly basis. However, 50.61% have not participated in financial education programs in the canton. Finally, the application of Spearman’s Rho correlation coefficient revealed a moderate positive correlation (r = 0.438) between the variables of financial inclusion and personal finances. This result suggests that a higher level of financial inclusion is associated with better personal financial management. |
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