Educación financiera y el endeudamiento con las tarjetas de crédito en la provincia de Chimborazo, período 2015-2020.
The objective of this research work was to establish the relationship between the level of financial education and credit card indebtedness in the province of Chimborazo during the period 2015-2020, through the deductive, analytical, statistical, and field method, whose research design is non-experi...
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| Formaat: | bachelorThesis |
| Taal: | spa |
| Gepubliceerd in: |
2023
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| Onderwerpen: | |
| Online toegang: | http://dspace.unach.edu.ec/handle/51000/11860 |
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Voeg label toe | Samenvatting: | The objective of this research work was to establish the relationship between the level of financial education and credit card indebtedness in the province of Chimborazo during the period 2015-2020, through the deductive, analytical, statistical, and field method, whose research design is non-experimental cross-sectional and mixed approach of descriptive correlational level, the population consisted of 48955 cardholders, from which a probabilistic sample of 382 cardholders from the province of Chimborazo was obtained. A survey consisting of 25 questions with multiple response options on a Likert scale was applied, which evaluated the level of financial education and the level of credit card indebtedness through the application of scales. The main results indicate that the level of indebtedness of cardholders in the province of Chimborazo has experienced a steady evolution during the period 2015-2020, observing a sustained growth in the total balance of indebtedness, with significant increases in 2017 and 2018; however, in subsequent years a slowdown in growth was evidenced, with a lower percentage variation rate, especially in 2020, on average the level of credit card indebtedness increased by 12.03% during the five years analyzed. On the other hand, the level of financial education of cardholders in the province of Chimborazo is medium (51%), followed by low (39.8%) and high (9.2%). Finally, it was found using a non- parametric test (rho Spearman) that there is an inverse correlation of -0.992 between the variables financial education and credit card indebtedness, with a significance of 0.000 > 0.05; therefore, the null hypothesis was rejected and the research hypothesis was accepted, thus, it is possible to affirm that there is a relationship between financial education and credit card indebtedness in the province of Chimborazo during the period 2015-2020. |
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