Brechas y desafíos en la educación financiera en Ecuador: un estudio realizado en el cantón Quito, año 2025

Abstract

Abstract: The investigation regarding the gaps and challenges of financial education in the Quito canton, focused on studying knowledge, attitudes and economic behaviors of people living in the La Mena 2 sector of Quito. A quantitative and descriptive research of financial education was conduct through surveys, applied to adults of differentiated educational levels and social conditions. The main results indicated that the majority of the population had low financial knowledge, which was mainly concentrated on basic products, such as savings accounts or electronic money, while knowledge and use of complex instruments like insurance or investment funds was limited. Weak savings culture and tendency to consume immediately was also evident, which was explain by avoidances of economic planning and formal education in finance. Similarly, it was develop that women and lower educated groups exhibited the greatest barriers to access the formal financial sector. In conclusion, to summarize, it was shown that the lack of a structured financial literacy program, inhibited economic inclusion and family stability. More generally, progress was observe in the use of digital tools; however, financial education in Quito still exhibited structural gaps and would require half-structured and half-sustained intervention to improve financial competencies and exemplify citizenship towards responsible consumption. (N/D)