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

Abstract

Abstract: The study analyzed financial education in the Cayambe canton, evaluating knowledge, behavior, and attitudes regarding saving, credit, investment, and budgeting through surveys aligned with national standards. The results indicated a high rate of savings account ownership (81%), a preference for deposits to reserve resources (68%), an intention to save annually (72%), and economic vulnerability to unforeseen events, as 78% reported insufficient income. Only 60% answered the question about simple interest correctly, 54% also stated that they keep cash at home, and 3% that they access investment instruments. Based on these findings, the design of an intervention was recommended, including blended modular training, promotion of affordable products, a network of local promoters, user protection measures, and digital self-management tools. Low-cost resources and free alternatives were prioritized, with a semi-annual monitoring system to adjust actions. It was recommended to implement local pilot projects, document results, and apply effective practices with participatory evaluation and ongoing transparency.