Brechas y desafíos en la educación financiera en el Ecuador: Un estudio de la parroquia Conocoto, cantón Quito del año 2025

Abstract

Abstract: This paper analyzes the level of financial literacy among the residents of Conocoto, considering objective knowledge, attitudes toward money, and habits related to the use of financial products and services. The study identifies how perceptions, prior experiences, and daily practices influence economic decision-making in a context marked by uncertainty and limited household financial planning. A quantitative approach was applied using a structured survey with measurement scales, the results of which were processed through descriptive analyses and comparative tables. The findings show that, although the population recognizes basic concepts such as inflation and risk, gaps persist in more technical notions such as diversification or the appropriate use of financial instruments. Furthermore, concerns related to income stability, a tendency to manage daily finances with little long-term planning, and limited adoption of investment and protection products were observed. The main contribution of this study lies in offering an integrated understanding of local financial behavior, which can guide educational strategies and actions that strengthen economic decision-making in the community.