Brechas y desafíos en la educación financiera en Ecuador: un estudio del cantón Manta, provincia de Manabí, año 2025

Abstract

Abstract: This study analyzes the level of financial literacy among the population of Manta canton, focusing on their knowledge, behavior, and attitudes toward financial management. A qualitative approach with descriptive and analytical methods was used, administering 136 surveys to individuals over the age of 18. The questionnaire covered financial knowledge, financial behavior, and attitudes toward money management. The results showed that 58.09% of respondents were women and 41.91% were men. More than 60% were between 18 and 39 years old, with a majority living in urban areas. Only 16.18% had completed university studies; the majority were self-employed (26.47%). A relevant fact is that 31.62% of people could cover their expenses for just one week if they lost their main source of income, and 11.03% couldn't even cover that amount of time, demonstrating high vulnerability and a low savings culture. The gaps in financial education were significant, especially among young people, women, and self-employed workers. It is necessary to implement financial literacy strategies and promote savings and planning campaigns to strengthen economic resilience and informed decision-making in Manta.