Brechas y desafíos en la educación financiera en Ecuador: un estudio realizado del cantón Santo Domingo, año 2025

Abstract

Abstract: This study aimed to analyze the level of financial literacy among the population of the Santo Domingo canton in 2025, considering the dimensions of knowledge, behavior, and financial attitude. A quantitative approach was adopted, with a non-experimental design and a descriptive scope. Data were collected from the National Survey of Financial Capabilities, conducted with a sample of 108 participants. The results revealed that the population possesses basic knowledge on topics such as saving, inflation, and the relationship between risk and return, and exhibits favorable behaviors related to expense planning and the use of digital financial services. Limitations were identified in the areas of investment, insurance procurement, and long-term savings generation. It can be concluded that, although the population has a favorable attitude toward financial planning and resource management, there is still room to strengthen their financial capabilities and contribute to greater economic stability.