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

Abstract

Abstract: This research analyzes the gaps and challenges in financial education in Ecuador, using the canton of Loja as a unit of study during the year 2025. The study is based on a theoretical framework that integrates concepts of financial education and literacy, financial capabilities, theories of economic behavior, and sociodemographic factors, as well as regional and national experiences from Latin America. The research adopted a quantitative approach through the application of a standardized survey provided by the Universidad Técnica Particular de Loja, as part of a national financial education project. The instrument is based on the Financial Capabilities Measurement Survey of the Organisation for Economic Co-operation and Development (OECD), ensuring validity, reliability, and international comparability. The survey was administered to a representative sample, allowing for the identification of levels of financial knowledge, attitudes, and behaviors. The results reveal limitations in access to training programs, inequalities based on age, gender, and educational level, as well as the influence of the family environment and digitalization. In conclusion, financial education is key to inclusion and sustainable local economic well-being.