Alfabetización financiera y nivel educativo en estudiantes ecuatorianos: un análisis estructural

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dc.contributor.authorSabando García , Àngel Ramón
dc.contributor.authorBastidas Guerrón , Jeaneth Lucía
dc.contributor.authorCárdenas Fierro , Gisselle Mariuxi
dc.contributor.authorMora Lucero , Ana Cristinas
dc.contributor.authorQuinde Sari , Freddy Richard
dc.contributor.authorMoreira Choez , Jenniffer Sobeida
dc.contributor.correspondingSabando García , Àngel Ramón
dc.date.accessioned2025-11-19T17:31:00Z
dc.date.available2025-11-19T17:31:00Z
dc.date.issued2025-05-09
dc.description.abstract"Background: Financial literacy has been recognized as a key competency for making in-formed economic decisions, particularly in contexts where access to financial products exceeds the population’s literacy level. However, in Ecuador, persistent gaps remain be-tween formal educational attainment and applied financial knowledge. In this context, the objective of this study was to analyze the relationship between educational level and financial literacy among Ecuadorian students. Methods: A quantitative approach was adopted, with a descriptive-correlational level, non-experimental type, and cross-sectional design. The sample consisted of 2,021 participants, selected through non-probabilistic convenience sampling. A structured questionnaire of 33 items was administered, distributed across four analytical dimensions. Statistical analysis was performed using SPSS and AMOS,including reliability testing, factorial validity, and structural model fit. Results: The results revealed that educational level has a significant effect on financial literacy. Individuals with higher education exhibited the highest levels, while those who completed only primary education showed the lowest. Four latent factors were validated: technical knowledge, socioeconomic impact of financial education, practical application of knowledge, and financial self management"
dc.id.author1309219416
dc.id.author0401108477
dc.id.author0401201108
dc.id.author0401644216
dc.id.author1709123788
dc.id.author1311987836
dc.identifier.citation"Bastidas-Guerrón JL, Cárdenas-Fierro GM,Mora-Lucero AC, Quinde-Sari FR, Sabando-García AR and Moreira-Choez JS (2025) Financial literacy and educational level in Ecuadorian students: a structural analysis. Front. Educ. 10:1596635.doi: 10.3389/feduc.2025.1596635"
dc.identifier.doihttps://doi.org/10.3389/feduc.2025.1596635
dc.identifier.issn2504284X
dc.identifier.urihttps://www.frontiersin.org/journals/education/articles/10.3389/feduc.2025.1596635/full
dc.identifier.urihttps://repositorio.puce.edu.ec/handle/123456789/47449
dc.indexed.databaseScopus
dc.language.isoes
dc.magazine.pageRange1-15
dc.magazine.titleCódigo Científico Revista de Investigación
dc.magazine.volumeChapterNO. 10
dc.statePublished
dc.subjectAlfabetización financiera
dc.subjectNivel educativo
dc.subjectEvaluación educativa
dc.subjectComportamiento del consumidor
dc.subjectCultura económica
dc.subjectEducación superior
dc.subjectFactores socioeconómicos
dc.subjectToma de decisiones financieras
dc.titleAlfabetización financiera y nivel educativo en estudiantes ecuatorianos: un análisis estructural
dc.typeArtículo científico
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