Vol. 7 Núm. 73 (2025): Noviembre
Artículos

Análisis conceptual del constructo de educación financiera, a partir de la caracterización de sus variables estructurales

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  • Filiberto E. Valdés Medina,
  • Minerva Martínez Ávila,
  • Efraín Jaramillo Benhumea
Filiberto E. Valdés Medina
Universidad Autónoma del Estado de México
Minerva Martínez Ávila
Universidad Autónoma del Estado de México
Efraín Jaramillo Benhumea
Universidad Autónoma del Estado de México
DOI: https://doi.org/10.51896/rilcods.v7i73.1036

Publicado 2025-12-03

Palabras clave

  • Educación financiera,
  • constructo,
  • alfabetización financiera,
  • comportamiento financiero

Cómo citar

Valdés Medina, F. E., Martínez Ávila, M., & Jaramillo Benhumea, E. (2025). Análisis conceptual del constructo de educación financiera, a partir de la caracterización de sus variables estructurales. Desarrollo Sustentable, Negocios, Emprendimiento Y Educación, 7(73), 105–115. https://doi.org/10.51896/rilcods.v7i73.1036
Creative Commons License

Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial 4.0.

Resumen

La educación financiera es un elemento toral para una adecuada toma de decisiones. Su influencia se extiende desde lo personal y familiar hasta lo social. Sin embargo, y a pesar de su importancia, la conceptualización del término de educación financiera, así como sudelimitación y operacionalización representa un reto, resultado de la amplitud de enfoques existentes. El objetivo del presente trabajo es identificar y analizar las variables clave que conforman el constructo de educación financiera. Para lograr lo anterior se ha realizado una revisión sistemática de literatura especializada, a la par de un análisis empírico. La investigación es de corte documental, y fue sustentada en la revisión de artículos académicos indexados de bases como Scopus y Web of Science, así como la revisión de instrumentos de alta validez como son los de la OCDE (2020) y Lusardi & Mitchell (2014). Los resultados permiten identificar elementos recurrentes, tales como el conocimiento financiero, el comportamiento financiero, las actitudes hacia el ahorro y el endeudamiento, así como la auto percepción de control financiero. Estos hallazgos permitirán la construcción de modelos robustos para la evaluación de competencias financieras, aplicados a una diversidad de poblaciones.

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