Conocimiento financiero y finanzas personales en los socios de la Cooperativa de Ahorro y Crédito de la pequeña empresa Zamora Chinchipe, agencia Yantzaza
Financial knowledge is essential to properly manage personal finances, the importance of financial knowledge lies in teaching concepts, products and useful strategies, helping to plan income and achieve long-term goals in order to make good decisions. The general objective of this research is to eva...
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| 格式: | bachelorThesis |
| 語言: | spa |
| 出版: |
2023
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| 主題: | |
| 在線閱讀: | https://dspace.unl.edu.ec/jspui/handle/123456789/26788 |
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添加標簽 | 總結: | Financial knowledge is essential to properly manage personal finances, the importance of financial knowledge lies in teaching concepts, products and useful strategies, helping to plan income and achieve long-term goals in order to make good decisions. The general objective of this research is to evaluate the financial knowledge and personal finances of the members of the Cooperativa de Ahorro y Crédito de la Pequeña Empresa Zamora Chinchipe, Yantzaza agency. The research has a quantitative, descriptive and statistical approach, a questionnaire was used as a collection instrument, which was applied to a sample of 218 randomly selected members. The main results of the research indicate that the level of financial knowledge of the members according to the methodology of the Organization for Economic Cooperation and Development and the International Financial Education Network proposed by Atkinson and Messy, which is detailed in the methodology, is high, This means that people have knowledge in terms such as interest rates, savings, and budgeting, but, due to the lack of culture to implement such knowledge, they have shortcomings in managing their personal finances, evidenced mainly by the fact that their expenses exceed their income, which causes a deficit in their family budget, so that sometimes they do not maintain a culture of saving. In addition, it is concluded that there is a positive relationship between financial knowledge and personal finances, which means that if they have greater financial knowledge, their personal finances will be managed properly. Finally, with the information obtained, strategies were proposed in order to strengthen their financial knowledge and skills, allowing them to make the right decisions, taking advantage of the best investment, savings and financing opportunities. |
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