Análisis de los niveles de educación financiera en la toma de decisiones de endeudamiento en cantón Macará año 2022

Abstract

Abstract: The main objective of this work was to analyze the levels of financial education in relation to debt decision-making in the Macará canton. Also I know sought to understand the reasons behind the population's indebtedness and determine the relationship between financial education and its impact on personal finances. Was used a exploratory, descriptive and explanatory methodology, with a qualitative approach. A was applied survey of the canton's PEA to collect relevant data. The results revealed a significant connection between financial education and debt decisions of surveyed. Spearman's correlations between "Financial Education" and "Indebtedness" were also significant, although with a low magnitude. That shows that, although there is an association between financial education and debt, its direct influence is limited. It is concluded that it is crucial to strengthen financial education in the Macará canton. The implementation of educational programs in institutions and community spaces to provide people with the necessary tools to make informed and responsible financial decisions. These actions will contribute to improve financial health and promote a strong financial culture in the community.