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

Abstract

Abstract: This research aims to analyze the level of education, knowledge, and financial capabilities of the residents of the Villaflora neighborhood, in order to understand how these factors influence economic decision-making and the daily management of financial resources. The study was conducted using a quantitative approach, employing a structured survey to collect the necessary information from the neighborhood's population. The results show that the population possesses a basic level of financial education, with minimal knowledge of fundamental financial concepts such as risk and inflation. This demonstrates a limitation in their understanding of more complex financial education topics, such as investment diversification and comprehensive financial risk management. Regarding financial capabilities, the population demonstrates practical skills in money management, managing their daily expenses, fulfilling their financial obligations, and utilizing basic financial products.