Brechas y desafíos en la educación financiera en Ecuador: un estudio del Cantón Arenillas, Provincia El Oro, año 2025.

Abstract

Abstract: The research examines the gaps and challenges in financial education in the Arenillas canton, province of El Oro, in order to understand the financial stability of the population and its link with sociodemographic factors, financial integration and economic stability. Data shows that financial education focuses on key practices, such as controlling income and expenses and leveraging the use of savings accounts. However, there is limited knowledge regarding more advanced financial products and poor use of digital tools, which reflects a technological gap. Although the population shows an inclination to save instead of spending, they have a basic knowledge of taking risks in terms of investments, which shows limited knowledge about investments. It is interpreted that, to strengthen financial stability, it is essential to promote the adoption of digital technologies and strengthen financial education through educational programs. Among the suggestions as recommendations, the inclusion of financial content in basic education, the implementation of practical workshops and the implementation of campaigns that promote the guaranteed use of digital tools stand out.