Brechas y desafíos en la educación financiera en Ecuador: un estudio realizado en el cantón Celica, provincia de Loja, año 2025

Abstract

Abstract: Financial education is a fundamental component of responsible economic decision-making; however, significant gaps exist throughout rural areas of Ecuador in accessing this benefit. This research studies these significant gaps and challenges in financial education in the canton of Célica, Loja province, during the year 2025, with the aim of understanding the level of financial knowledge and the factors that influence its development. The research was conducted using a descriptive quantitative approach with the help of surveys administered to the population. The results show that savings, financial planning, and the correct use of financial products are primarily associated with low levels of access to information due to low levels of academic training and a limited availability of financial education programs. These findings also highlight challenges related to financial inclusion and the provision of relevant financial education in this locality. It was concluded that strengthening financial education in Célica is relevant to improving the economic stability of the population in local development.