Brechas y desafíos en la educación financiera en Ecuador: un estudio de Azogues-Cañar, año 2025

Abstract

Abstract: Financial education has become a crucial issue in public policy formulation and academic research due to its direct impact on individual and social economic well-being. It seeks to identify structural and cultural barriers that hinder the implementation of effective educational programs in the region, the results of which serve as a basis for proposing recommendations to strengthen financial education in Azogues. In this regard, this study is based on the results of a survey of 140 residents of the canton of Azogues, who have good access to basic financial products but still have significant gaps in their knowledge of investment and planning. Selfperceived knowledge is low and a notable digital divide persists, with 40% of the population facing financial problems. A significant gap in financial knowledge has been identified, especially in areas such as savings, a situation that is particularly pronounced in the canton of Azogues and which calls for the search for appropriate and timely solutions.