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

Abstract

Abstract: This study analyzes the gaps and challenges in financial education in the Zaruma canton, El Oro province, during the year 2025. Using a descriptive approach, it examines factors such as access to financial information, the level of basic knowledge, trust in the financial system, and the responsible use of financial products. Among the findings are a lack of understanding of basic personal finance concepts and low usage of formal financial products and services, as well as a cultural problem regarding saving and planning, an important aspect that affects the financial well-being of the population. Therefore, the study seeks to provide information on these topics, thus contributing to the development of financial education in the region. It concludes with recommendations aimed at strengthening public policies, educational programs, and financial inclusion strategies, with an emphasis on vulnerable population groups.