Brechas y Desafíos en la Educación Financiera en Ecuador: un estudio de la parroquia Calderón, cantón Quito, provincia de Pichincha Año 2025

Abstract

Abstract: This study examines the gaps and challenges surrounding financial education in the Calderón parish, Quito canton, Ecuador, throughout 2025. It assesses the level of financial knowledge, behaviors, and attitudes among residents while investigating the impact of sociodemographic factors such as age, gender, and educational level on these competencies. Although progress has been made toward financial inclusion, barriers to accessing financial services persist, along with low rates of financial literacy, especially among women and people in rural areas. Three dimensions are analyzed: financial knowledge, behaviors, and attitudes, along with sociodemographic factors (educational level and place of residence). The results describe the current situation and do not allow for inferences about future trends. In response, a focused and modular financial education program is proposed, with practical content on budgeting and precautionary savings, responsible lending, digital security, and consumer protection.