Brechas de desafíos en la educación financiera en el Ecuador: Un estudio realizado al cantón Saraguro, año 2026

Abstract

Abstract: This study analyzes the gaps and challenges of financial education in Saraguro canton, Ecuador, aiming to identify the factors that influence the population s financial knowledge, attitudes, and behaviors. The research is based on international metrics such as the "Big Three", "Big Five," CAF methodology, and OECD guidelines, allowing a comprehensive assessment of financial capabilities. A quantitative approach is used through structured surveys applied to local inhabitants, complemented by a descriptive and comparative analysis of the results. The findings reveal significant gaps in educational levels, financial socialization, and limited access to formal financial services, especially in rural areas. Weaknesses are also identified in basic knowledge related to compound interest, inflation, and risk diversification. These results indicate that a considerable portion of the population lacks essential financial skills for decision-making. Finally, strategies are proposed to strengthen financial education, promoting financial inclusion and community well-being.