Caracterización de perfiles de educación financiera en hogares colombianos
##plugins.themes.themeTen.article.main##
Keywords
Análisis multivariado, comportamiento financiero, finanzas personales, formación financiera
Resumen
Objetivo: la finalidad del presente estudio fue caracterizar los perfiles de educación financiera en Colombia a fin de conocer el desempeño financiero de los hogares. Método: para la investigación se aplicó las técnicas de análisis estadístico multivariado de análisis de conglomerados y discriminante, a resultados de encuesta de carga y educación financiera de los hogares año 2018, en una muestra aleatoria de 1000 individuos, realizada por el Departamento Administrativo Nacional de Estadística (DANE) en Colombia. Resultados: los hallazgos encontrados muestran cuatro grupos característicos de educación financiera y la capacidad discriminante en el 94,1% de casos agrupados clasificados correctamente. Discusión: si bien el estudio muestra claras tendencias de conocimiento y comportamiento financiero de los grupos de los hogares analizados, se debe ampliar el estudio aplicando otras herramientas multivariadas de predicción del comportamiento financiero de los hogares. Conclusión: en la población de casados, la mayoría de los hombres suelen tener un mayor conocimiento financiero, pero mal manejo de las finanzas personales, a diferencia de las mujeres en esta condición que en general muestran tener mejor conducta y educación financiera.
Descargas
Los datos de descargas todavía no están disponibles.
Citas
Alcaraz, M. (2020). Beyond Financial Resources: The Role of Parents’ Education in Predicting Children’s Educational Persistence in Mexico. International Journal of Educational Development, 75(1), 102-188. https://doi.org/10.1016/j.ijedudev.2020.102188
Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2018). A review of financial-literacy education programs for children and adolescents. Citizenship, Social and Economic Education, 17(1), 56-80. https://doi.org/10.1177/2047173417719555
Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study. https://www.oecd-ilibrary.org/finance-and-investment/measuring-financial-literacy_5k9csfs90fr4-en
Banco Mundial. (2013). Capacidades financieras en Colombia: resultados de la encuesta nacional sobre comportamientos, actitudes y conocimientos financieros. Washington: Banco Mundial.
Batty, M., Collins, J. M., & Odders‐White, E. (2015). Experimental evidence on the effects of financial education on elementary school students' knowledge, behavior, and attitudes. Journal of Consumer Affairs, 49(1), 69-96. https://doi.org/10.1111/joca.12058
Batty, M., Collins, J., O’Rourke, C. & Odders-White, E. (2020). Experiential financial education: A field study of my classroom economy in elementary schools. Economics of Education Review, 102014. https://doi.org/10.1016/j.econedurev.2020.102014
Beltrán, M., Lobo, R. y Urrego, J. (2016). Análisis del impacto financiero generado por las falencias en educación financiera en Colombia, en el período 2009-2014. (Tesis pregrado, Universidad La Gran Colombia). Repositorio institucional. https://repository.ugc.edu.co/handle/11396/4289
Carpena, F., & Zia, B. (2020). The causal mechanism of financial education: Evidence from mediation analysis. Journal of Economic Behavior & Organization, 177, 143-184. https://doi.org/10.1016/j.jebo.2020.05.001
Clark, R., Morrill, M., & Allen, S. G. (2012). The role of financial literacy in determining retirement plans. Economic inquiry, 50(4), 851-866. https://doi.org/10.1111/j.1465-7295.2011.00390.x
Comité Económico Social Europeo (2011). Educación Financiera para todos. Estrategia y buenas prácticas de educación financiera en la Unión Europea. http://amanecemetropolis.net/wp-content/uploads/2014/08/qe-30-12-894-es.pdf
Cooperación y el Desarrollo Económico-OCDE. (2018). OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion. http://www.oecd.org/finance/financialeducation/ES_2018%20OECD%20INFE%20Toolkit.pdf
Cronqvist, H., & Siegel, S. (2015). The Origins of Savings Behavior. Journal of Political Economy, 123(1). https://doi.org/10.1086/679284
Curran, M. A., Parrott, E., Ahn, S. Y., Serido, J., & Shim, S. (2018). Young adults’ life outcomes and well-being: Perceived financial socialization from parents, the romantic partner, and young adults’ own financial behaviors. Journal of Family and Economic Issues, 39(3), 445-456. https://doi.org/10.1007/s10834-018-9572-9
De la Hoz, E., Morelos, J. y Cardona, D. (2020). Identificación de perfiles característicos de las Tecnologías de la Información y Comunicación en empresas del sector manufacturero en Colombia mediante análisis de conglomerado y discriminante. Investigación e Innovación en Ingenierías, 8(1), 112-124. https://doi.org/10.17081/invinno.8.1.3676
Departamento Administrativo Nacional de Estadística-DANE. (2018). Encuesta de Carga Financiera y Educación Financiera de los Hogares, Departamento Administrativo Nacional de Estadística, Colombia. http://microdatos.dane.gov.co/index.php/catalog/626
Eszergár-Kiss, D., & Caesar, B. (2017). Definition of user groups applying Ward's method. Transportation Research Procedia, 22, 25-34. https://doi.org/10.1016/j.trpro.2017.03.004
Fontalvo, T., De La Hoz, E. y Morelos, J. (2018). Método combinado análisis de conglomerado y análisis discriminante multivariado para identificar y evaluar perfiles de eficiencia financiera en empresas exportadoras. Información tecnológica, 29(5), 227-234. http://dx.doi.org/10.4067/S0718-07642018000500227
Fraczek, B., & Matula, A. G. (2019). Financial education and the level of basic financial knowledge and its usage among people with Asperger syndrome. Cypriot Journal of Educational Sciences, 14(4), 742-749. https://orcid.org/0000-0002-9349-5924
Frisancho, V. (2019). The impact of financial education for youth. Economics of Education Review, 101918. https://doi.org/10.1016/j.econedurev.2019.101918
García, N., Grifoni, A., López, J. C. & Mejía, D. (2013). La educación financiera en América Latina y el Caribe. Situación actual y perspectivas. https://scioteca.caf.com/handle/123456789/379
Gómez, E. & Zamudio, N. (2012). Las capacidades financieras de la población colombiana. Borradores de Economía, 725(1). https://repositorio.banrep.gov.co/handle/20.500.12134/5769
Gur, A., Amsalem, G., & Rimmerman, A. (2020). Parents' psychological, social, and financial outcomes as related to the transition of their offspring with ID from adolescence to adulthood. Research in Developmental Disabilities, 105, 103740. https://doi.org/10.1016/j.ridd.2020.103740
Hanson, T., & Olson, P. (2018). Financial literacy and family communication patterns. Journal of Behavioral and Experimental Finance, 19, 64-71. https://doi.org/10.1016/j.jbef.2018.05.001
Hertz, F. D., & Halkier, B. (2017). Meal box schemes a convenient way to avoid convenience food? Uses and understandings of meal box schemes among Danish consumers. Appetite, 114, 232-239. https://doi.org/10.1016/j.appet.2017.03.016
Higuchi, A., & Maehara, R. A. (2021) Factor-cluster analysis profile of consumers. Journal of Business Research, 123, 70-78. https://doi.org/10.1016/j.jbusres.2020.09.030
Hill, J., Van Der Geest, V., & Blokland, A. (2017). Leaving the bank of mum and dad: Financial independence and delinquency desistance in emerging adulthood. Journal of Developmental and Life-Course Criminology, 3(4), 419-439. https://doi-org.ezproxy.unal.edu.co/10.1007/s40865-017-0058-5
Johnson, M., & Benson, J. (2012). The implications of family context for the transition to adulthood. In A. Booth, S. L. Brown, N. S. Landale, W. D. Manning, & S. M. McHale (Eds.), Early adulthood in a family context. New York: Springer.
Jorgensen, B., Rappleyea, D., Schweichler, J., Fang, X. & Moran, M. (2017). The financial behavior of emerging adults: A family financial socialization approach. Journal of Family and Economic Issues, 38(1), 57-69. https://doi.org/10.1007/s10834-015-9481-0
Kaiser, T., & Menkhoff, L. (2019). Financial education in schools: A meta-analysis of experimental studies. Economics of Education Review, 101-930. https://doi.org/10.1016/j.econedurev.2019.101930
Litterscheidt, R., & Streich, D. J. (2020). Financial Education and Digital Asset Management: What's in the Black Box? Journal of Behavioral and Experimental Economics, 87(1), 101-573. https://doi.org/10.1016/j.socec.2020.101573
Lopus, J., Amidjono, D. S. & Grimes, P. W. (2019). Improving financial literacy of the poor and vulnerable in Indonesia: An empirical analysis. International Review of Economics Education, 32, 100-168. https://doi.org/10.1016/j.iree.2019.100168
Lührmann, M., Serra-Garcia, M. & Winter, J. (2018). The impact of financial education on adolescents' intertemporal choices. American Economic Journal: Economic Policy, 10(3), 309-32. https://10.1257/pol.20170012
Lusardi, A., Michaud, P. C., & Mitchell, O. S. (2017). Optimal financial knowledge and wealth inequality. Journal of Political Economy, 125(2), 431-477. https://doi/abs/10.1086/690950
Malik, S., Wells, A., & Wittkowski, A. (2015). Emotion regulation as a mediator in the relationship between attachment and depressive symptomatology: A systematic review. Journal of affective disorders, 172, 428-444. https://doi.org/10.1016/j.jad.2014.10.007
Mejía, D., Pallotta, A., Egúsquiza, E. y Farnè, S. (2015). Encuesta de medición de capacidades financieras en los países andinos. Informe para Colombia 2014 (report). http://scioteca.caf.com/handle/123456789/743
Mikulincer, M. & Shaver, P. (2019). Attachment orientations and emotion regulation. Current Opinion in Psychology, 25(1), 6-10. https://doi.org/10.1016/j.copsyc.2018.02.006
Mishra, A., Maheswarappa, S., & Colby, C. (2018). Technology readiness of teenagers: a consumer socialization perspective. Journal of Services Marketing, 32(5), 592-604. https://doi.org/10.1108/JSM-07-2017-0262
Morelos, J., Fontalvo, T. & De la Hoz, E. (2018). Behaviour of Productivity Indicators and Financial resources in the field of extraction and exploitation of minerals in Colombia. International Journal of Productivity and Quality Management, 25(3), 349-367. https://doi.org/10.1504/IJPQM.2018.095651
Ngai, S., Cheung, C., Yuan, R. & Lin, S. (2016). Work motivation of unemployed youths: Moderating effects of financial dependence on parents. Children and Youth Services Review, 71, 157-165. https://doi.org/10.1016/j.childyouth.2016.11.005
Polania, F., Suaza Nivia, C., Arévalo Fierro, N. y González, D. (2017). La cultura financiera como el nuevo motor para el desarrollo económico en Latinoamérica (Tesis, Universidad EAN). http://hdl.handle.net/10882/8951
Qi, D., & Wu, Y. (2020). Family’s social economic status and child educational outcomes in China: The mediating effects of parenting practices and children’s learning attitudes. Children and Youth Services Review, 118, 105-387. https://doi.org/10.1016/j.childyouth.2020.105387
Raccanello, K. y Guzmán, E. (2014). Educación e inclusión financiera. Revista Latinoamericana de Estudios Educativos (México), 44(2), 119-141. https://www.redalyc.org/pdf/270/27031268005.pdf
Reddy, R., Bruhn, M., y Tan, C. (2013). Capacidades financieras en Colombia: resultados de la encuesta nacional sobre comportamientos, actitudes y conocimientos financiero. Banco Internacional de Reconstrucción y Fomento/Banco Mundial https://www.bancomundial.org/es/country/colombia/publication/national-survey-financial-capabilities-colombia
Rubiano-Miranda, M. (2014). Educación financiera en Colombia (Tesis Doctoral, Universidad de la Sabana). Repositorio institucional. https://intellectum.unisabana.edu.co/handle/10818/10329
Schenell, R., Ozanne, A., Strang, S., & Henoch, I. (2020). To make and execute decisions throughout life: A person-centred model that facilitates self-determination in residential care, developed through participatory research. Applied Nursing Research, in Press, 55, 151-318. https://doi.org/10.1016/j.apnr.2020.151318
Shen, Z., Liu, M., Lu, W., & Lin, S. (2019). Coordinated decentralized reactive power optimization of multi-area power systems with discrete variables based on the alternating direction method of multipliers and Ward equivalence. International Journal of Electrical Power & Energy Systems, 106, 266-273. https://doi.org/10.1016/j.ijepes.2018.10.004
Shim, S., Serido, J., Tang, C., & Card, N. (2015). Socialization processes and pathways to healthy financial development for emerging young adults. Journal of Applied Developmental Psychology, 38, 29-38. https://doi.org/10.1016/j.appdev.2015.01.002
Sun, H., Yuen, D., Zhang, J., & Zhang, X. (2020). Is knowledge powerful? Evidence from financial education and earnings quality. Research in International Business and Finance, 52, 101-179. https://doi.org/10.1016/j.ribaf.2019.101179
Swartz, T. (2008). Family capital and the invisible transfer of privilege: intergenerational support and social class in early adulthood. In Social class and transitions to adulthood: new directions for child and adolescent development. Spring 2008(119, 11-24. https://pubmed.ncbi.nlm.nih.gov/18330916/
Tang, N. (2017). Like father like son: how does parents' financial behavior affect their children's financial behavior?. Journal of Consumer Affairs, 51(2), 284-311. https://doi.org/10.1111/joca.12122
Tudor, S. (2020). Financial incentives, fertility and early life child outcomes. Labour Economics, 101839. https://doi.org/10.1016/j.labeco.2020.101839
Umaña, M. y Bohórquez, N. (2011). La Estrategia Nacional de Educación Económica y Financiera (ENEEF): una propuesta de implantación en Colombia. Revista del Banco de la República, 84(1000), 21-32. https://publicaciones.banrepcultural.org/index.php/banrep/article/view/8993
Wu, S., Despard, M.R. & Chowa, G. (2017). The Role of Parents in Introducing Children to Financial Services: Evidence from Ghana-YouthSave. J Fam Econ Iss 38(1), 453–462. https://doi.org/10.1007/s10834-017-9519-6
Zhang, W., & Li, J. (2015). Extended fast search clustering algorithm: widely density clusters, no density peaks. https://arxiv.org/abs/1505.05610
Zhu, A. (2020). Impact of School Financial Education on Parental Saving Socialization in Hong Kong Adolescents. Journal of Behavioral and Experimental Economics, 87(1), 101-557. https://doi.org/10.1016/j.socec.2020.101557
Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2018). A review of financial-literacy education programs for children and adolescents. Citizenship, Social and Economic Education, 17(1), 56-80. https://doi.org/10.1177/2047173417719555
Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study. https://www.oecd-ilibrary.org/finance-and-investment/measuring-financial-literacy_5k9csfs90fr4-en
Banco Mundial. (2013). Capacidades financieras en Colombia: resultados de la encuesta nacional sobre comportamientos, actitudes y conocimientos financieros. Washington: Banco Mundial.
Batty, M., Collins, J. M., & Odders‐White, E. (2015). Experimental evidence on the effects of financial education on elementary school students' knowledge, behavior, and attitudes. Journal of Consumer Affairs, 49(1), 69-96. https://doi.org/10.1111/joca.12058
Batty, M., Collins, J., O’Rourke, C. & Odders-White, E. (2020). Experiential financial education: A field study of my classroom economy in elementary schools. Economics of Education Review, 102014. https://doi.org/10.1016/j.econedurev.2020.102014
Beltrán, M., Lobo, R. y Urrego, J. (2016). Análisis del impacto financiero generado por las falencias en educación financiera en Colombia, en el período 2009-2014. (Tesis pregrado, Universidad La Gran Colombia). Repositorio institucional. https://repository.ugc.edu.co/handle/11396/4289
Carpena, F., & Zia, B. (2020). The causal mechanism of financial education: Evidence from mediation analysis. Journal of Economic Behavior & Organization, 177, 143-184. https://doi.org/10.1016/j.jebo.2020.05.001
Clark, R., Morrill, M., & Allen, S. G. (2012). The role of financial literacy in determining retirement plans. Economic inquiry, 50(4), 851-866. https://doi.org/10.1111/j.1465-7295.2011.00390.x
Comité Económico Social Europeo (2011). Educación Financiera para todos. Estrategia y buenas prácticas de educación financiera en la Unión Europea. http://amanecemetropolis.net/wp-content/uploads/2014/08/qe-30-12-894-es.pdf
Cooperación y el Desarrollo Económico-OCDE. (2018). OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion. http://www.oecd.org/finance/financialeducation/ES_2018%20OECD%20INFE%20Toolkit.pdf
Cronqvist, H., & Siegel, S. (2015). The Origins of Savings Behavior. Journal of Political Economy, 123(1). https://doi.org/10.1086/679284
Curran, M. A., Parrott, E., Ahn, S. Y., Serido, J., & Shim, S. (2018). Young adults’ life outcomes and well-being: Perceived financial socialization from parents, the romantic partner, and young adults’ own financial behaviors. Journal of Family and Economic Issues, 39(3), 445-456. https://doi.org/10.1007/s10834-018-9572-9
De la Hoz, E., Morelos, J. y Cardona, D. (2020). Identificación de perfiles característicos de las Tecnologías de la Información y Comunicación en empresas del sector manufacturero en Colombia mediante análisis de conglomerado y discriminante. Investigación e Innovación en Ingenierías, 8(1), 112-124. https://doi.org/10.17081/invinno.8.1.3676
Departamento Administrativo Nacional de Estadística-DANE. (2018). Encuesta de Carga Financiera y Educación Financiera de los Hogares, Departamento Administrativo Nacional de Estadística, Colombia. http://microdatos.dane.gov.co/index.php/catalog/626
Eszergár-Kiss, D., & Caesar, B. (2017). Definition of user groups applying Ward's method. Transportation Research Procedia, 22, 25-34. https://doi.org/10.1016/j.trpro.2017.03.004
Fontalvo, T., De La Hoz, E. y Morelos, J. (2018). Método combinado análisis de conglomerado y análisis discriminante multivariado para identificar y evaluar perfiles de eficiencia financiera en empresas exportadoras. Información tecnológica, 29(5), 227-234. http://dx.doi.org/10.4067/S0718-07642018000500227
Fraczek, B., & Matula, A. G. (2019). Financial education and the level of basic financial knowledge and its usage among people with Asperger syndrome. Cypriot Journal of Educational Sciences, 14(4), 742-749. https://orcid.org/0000-0002-9349-5924
Frisancho, V. (2019). The impact of financial education for youth. Economics of Education Review, 101918. https://doi.org/10.1016/j.econedurev.2019.101918
García, N., Grifoni, A., López, J. C. & Mejía, D. (2013). La educación financiera en América Latina y el Caribe. Situación actual y perspectivas. https://scioteca.caf.com/handle/123456789/379
Gómez, E. & Zamudio, N. (2012). Las capacidades financieras de la población colombiana. Borradores de Economía, 725(1). https://repositorio.banrep.gov.co/handle/20.500.12134/5769
Gur, A., Amsalem, G., & Rimmerman, A. (2020). Parents' psychological, social, and financial outcomes as related to the transition of their offspring with ID from adolescence to adulthood. Research in Developmental Disabilities, 105, 103740. https://doi.org/10.1016/j.ridd.2020.103740
Hanson, T., & Olson, P. (2018). Financial literacy and family communication patterns. Journal of Behavioral and Experimental Finance, 19, 64-71. https://doi.org/10.1016/j.jbef.2018.05.001
Hertz, F. D., & Halkier, B. (2017). Meal box schemes a convenient way to avoid convenience food? Uses and understandings of meal box schemes among Danish consumers. Appetite, 114, 232-239. https://doi.org/10.1016/j.appet.2017.03.016
Higuchi, A., & Maehara, R. A. (2021) Factor-cluster analysis profile of consumers. Journal of Business Research, 123, 70-78. https://doi.org/10.1016/j.jbusres.2020.09.030
Hill, J., Van Der Geest, V., & Blokland, A. (2017). Leaving the bank of mum and dad: Financial independence and delinquency desistance in emerging adulthood. Journal of Developmental and Life-Course Criminology, 3(4), 419-439. https://doi-org.ezproxy.unal.edu.co/10.1007/s40865-017-0058-5
Johnson, M., & Benson, J. (2012). The implications of family context for the transition to adulthood. In A. Booth, S. L. Brown, N. S. Landale, W. D. Manning, & S. M. McHale (Eds.), Early adulthood in a family context. New York: Springer.
Jorgensen, B., Rappleyea, D., Schweichler, J., Fang, X. & Moran, M. (2017). The financial behavior of emerging adults: A family financial socialization approach. Journal of Family and Economic Issues, 38(1), 57-69. https://doi.org/10.1007/s10834-015-9481-0
Kaiser, T., & Menkhoff, L. (2019). Financial education in schools: A meta-analysis of experimental studies. Economics of Education Review, 101-930. https://doi.org/10.1016/j.econedurev.2019.101930
Litterscheidt, R., & Streich, D. J. (2020). Financial Education and Digital Asset Management: What's in the Black Box? Journal of Behavioral and Experimental Economics, 87(1), 101-573. https://doi.org/10.1016/j.socec.2020.101573
Lopus, J., Amidjono, D. S. & Grimes, P. W. (2019). Improving financial literacy of the poor and vulnerable in Indonesia: An empirical analysis. International Review of Economics Education, 32, 100-168. https://doi.org/10.1016/j.iree.2019.100168
Lührmann, M., Serra-Garcia, M. & Winter, J. (2018). The impact of financial education on adolescents' intertemporal choices. American Economic Journal: Economic Policy, 10(3), 309-32. https://10.1257/pol.20170012
Lusardi, A., Michaud, P. C., & Mitchell, O. S. (2017). Optimal financial knowledge and wealth inequality. Journal of Political Economy, 125(2), 431-477. https://doi/abs/10.1086/690950
Malik, S., Wells, A., & Wittkowski, A. (2015). Emotion regulation as a mediator in the relationship between attachment and depressive symptomatology: A systematic review. Journal of affective disorders, 172, 428-444. https://doi.org/10.1016/j.jad.2014.10.007
Mejía, D., Pallotta, A., Egúsquiza, E. y Farnè, S. (2015). Encuesta de medición de capacidades financieras en los países andinos. Informe para Colombia 2014 (report). http://scioteca.caf.com/handle/123456789/743
Mikulincer, M. & Shaver, P. (2019). Attachment orientations and emotion regulation. Current Opinion in Psychology, 25(1), 6-10. https://doi.org/10.1016/j.copsyc.2018.02.006
Mishra, A., Maheswarappa, S., & Colby, C. (2018). Technology readiness of teenagers: a consumer socialization perspective. Journal of Services Marketing, 32(5), 592-604. https://doi.org/10.1108/JSM-07-2017-0262
Morelos, J., Fontalvo, T. & De la Hoz, E. (2018). Behaviour of Productivity Indicators and Financial resources in the field of extraction and exploitation of minerals in Colombia. International Journal of Productivity and Quality Management, 25(3), 349-367. https://doi.org/10.1504/IJPQM.2018.095651
Ngai, S., Cheung, C., Yuan, R. & Lin, S. (2016). Work motivation of unemployed youths: Moderating effects of financial dependence on parents. Children and Youth Services Review, 71, 157-165. https://doi.org/10.1016/j.childyouth.2016.11.005
Polania, F., Suaza Nivia, C., Arévalo Fierro, N. y González, D. (2017). La cultura financiera como el nuevo motor para el desarrollo económico en Latinoamérica (Tesis, Universidad EAN). http://hdl.handle.net/10882/8951
Qi, D., & Wu, Y. (2020). Family’s social economic status and child educational outcomes in China: The mediating effects of parenting practices and children’s learning attitudes. Children and Youth Services Review, 118, 105-387. https://doi.org/10.1016/j.childyouth.2020.105387
Raccanello, K. y Guzmán, E. (2014). Educación e inclusión financiera. Revista Latinoamericana de Estudios Educativos (México), 44(2), 119-141. https://www.redalyc.org/pdf/270/27031268005.pdf
Reddy, R., Bruhn, M., y Tan, C. (2013). Capacidades financieras en Colombia: resultados de la encuesta nacional sobre comportamientos, actitudes y conocimientos financiero. Banco Internacional de Reconstrucción y Fomento/Banco Mundial https://www.bancomundial.org/es/country/colombia/publication/national-survey-financial-capabilities-colombia
Rubiano-Miranda, M. (2014). Educación financiera en Colombia (Tesis Doctoral, Universidad de la Sabana). Repositorio institucional. https://intellectum.unisabana.edu.co/handle/10818/10329
Schenell, R., Ozanne, A., Strang, S., & Henoch, I. (2020). To make and execute decisions throughout life: A person-centred model that facilitates self-determination in residential care, developed through participatory research. Applied Nursing Research, in Press, 55, 151-318. https://doi.org/10.1016/j.apnr.2020.151318
Shen, Z., Liu, M., Lu, W., & Lin, S. (2019). Coordinated decentralized reactive power optimization of multi-area power systems with discrete variables based on the alternating direction method of multipliers and Ward equivalence. International Journal of Electrical Power & Energy Systems, 106, 266-273. https://doi.org/10.1016/j.ijepes.2018.10.004
Shim, S., Serido, J., Tang, C., & Card, N. (2015). Socialization processes and pathways to healthy financial development for emerging young adults. Journal of Applied Developmental Psychology, 38, 29-38. https://doi.org/10.1016/j.appdev.2015.01.002
Sun, H., Yuen, D., Zhang, J., & Zhang, X. (2020). Is knowledge powerful? Evidence from financial education and earnings quality. Research in International Business and Finance, 52, 101-179. https://doi.org/10.1016/j.ribaf.2019.101179
Swartz, T. (2008). Family capital and the invisible transfer of privilege: intergenerational support and social class in early adulthood. In Social class and transitions to adulthood: new directions for child and adolescent development. Spring 2008(119, 11-24. https://pubmed.ncbi.nlm.nih.gov/18330916/
Tang, N. (2017). Like father like son: how does parents' financial behavior affect their children's financial behavior?. Journal of Consumer Affairs, 51(2), 284-311. https://doi.org/10.1111/joca.12122
Tudor, S. (2020). Financial incentives, fertility and early life child outcomes. Labour Economics, 101839. https://doi.org/10.1016/j.labeco.2020.101839
Umaña, M. y Bohórquez, N. (2011). La Estrategia Nacional de Educación Económica y Financiera (ENEEF): una propuesta de implantación en Colombia. Revista del Banco de la República, 84(1000), 21-32. https://publicaciones.banrepcultural.org/index.php/banrep/article/view/8993
Wu, S., Despard, M.R. & Chowa, G. (2017). The Role of Parents in Introducing Children to Financial Services: Evidence from Ghana-YouthSave. J Fam Econ Iss 38(1), 453–462. https://doi.org/10.1007/s10834-017-9519-6
Zhang, W., & Li, J. (2015). Extended fast search clustering algorithm: widely density clusters, no density peaks. https://arxiv.org/abs/1505.05610
Zhu, A. (2020). Impact of School Financial Education on Parental Saving Socialization in Hong Kong Adolescents. Journal of Behavioral and Experimental Economics, 87(1), 101-557. https://doi.org/10.1016/j.socec.2020.101557
##plugins.themes.themeTen.article.sidebar##
Publicado
May 18, 2021
##plugins.themes.themeTen.article.details##
Cómo citar
De La Hoz-Granadillo, E. J., Morelos-Gómez, J., & Escobar-Zapata, M. C. (2021). Caracterización de perfiles de educación financiera en hogares colombianos . Desarrollo Gerencial, 13(1), 1–23. https://doi.org/10.17081/dege.13.1.4301
Sección
ARTÍCULOS
Esta obra está bajo una licencia internacional Creative Commons Atribución 4.0.
Una vez aceptado el artículo para su publicación, el/la autor/a (es) traspasa los derechos de copyright a la revista Desarrollo Gerencial.