Brechas y desafíos en la educación financiera en Ecuador: Un estudio del cantón Sígsig, provincia del Azuay, año 2025

Abstract

Abstract: This study examines the gaps and challenges in financial education in the canton of Sígsig, Azuay province, during 2025. A quantitative, descriptive, cross-sectional design was applied to a sample of 103 adults using a structured questionnaire. The instrument assessed financial knowledge, behaviors, and attitudes toward money, as well as access to and use of products and channels within the formal financial system, where the practical application of financial knowledge ultimately becomes evident. The results indicate that 82.18% of respondents hold a savings account, which could initially suggest a satisfactory level of financial inclusion; however, a closer look at usage patterns reveals important limitations. More than 35% never make online transfers, reflecting a restricted and largely passive relationship with the financial system. Additionally, only about 25% correctly answered questions related to inflation, risk, and diversification. The findings highlight the need for targeted and context-sensitive educational interventions to strengthen financial capabilities among the rural population.