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Factores de conocimiento y de actitud financieros eficaces para la elaboración de políticas en América Latina

In: Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe

Author

Listed:
  • Gabriel Garber

    (Banco Central do Brasil)

  • Sergio Mikio Koyama

    (Banco Central do Brasil)

Abstract
En este estudio, aplicamos una técnica que produce mediciones del conocimiento financiero y de las actitudes hacia las finanzas mediante una combinación de variables, cuyas ponderaciones consignan su efecto sobre las variables de conocimiento financiero, lo que proporciona una guía para el diseño de políticas. Utilizamos datos compilados por CAF - banco de desarrollo de América Latina- provenientes de Bolivia, Colombia, Ecuador y Perú. Es la primera vez que esta técnica se utiliza en un marco multinacional. Mostramos que la composición y la ponderación varían dependiendo de cada país. Sin embargo, las variables de actitud hacia las finanzas llaman la atención en todos los países, sobre todo en la manera en que los individuos se fijan objetivos a largo plazo.

Suggested Citation

  • Gabriel Garber & Sergio Mikio Koyama, 2018. "Factores de conocimiento y de actitud financieros eficaces para la elaboración de políticas en América Latina," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 3, pages 55-100, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    • Handle: RePEc:cml:incocp:7sp-03
    Note: Programa de Investigación Conjunta de la Red de Investigadores de Bancos Centrales
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    More about this item

    Keywords

    inclusión financiera; educación financiera; conocimiento financiero; factores; puntajes.;
    All these keywords.

    JEL classification:

    • D83 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Search; Learning; Information and Knowledge; Communication; Belief; Unawareness
    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • A20 - General Economics and Teaching - - Economic Education and Teaching of Economics - - - General
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • I28 - Health, Education, and Welfare - - Education - - - Government Policy

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