Efectos de la cultura financiera sobre la autogestión financiera en función del nivel académico universitario
Palabras clave:
Alfabetización financiera, autogestión económica, emprendimiento, educación superior, sostenibilidad financiera
Resumen
La cultura financiera se ha consolidado como un componente esencial del comportamiento económico, al incidir en la capacidad de las personas para administrar sus recursos, planificar gastos y tomar decisiones racionales que aseguren su bienestar. El objetivo del estudio fue analizar los efectos de la cultura financiera sobre la autogestión financiera en función del nivel académico de estudiantes de posgrado en la Universidad Estatal de Milagro-Ecuador. Se buscó comprobar la relación entre el conocimiento financiero técnico, la educación orientada al emprendimiento y aplicación práctica de herramientas financieras con la capacidad de planificación y control económico individual. Se adoptó un enfoque cuantitativo, de tipo aplicado y diseño no experimental, transversal y correlacional-explicativo. La población estuvo compuesta por 1.001 estudiantes de posgrado de las áreas de Ciencias Administrativas y Educación. Los resultados evidenciaron una correlación positiva y significativa entre las dimensiones de la cultura financiera y la autogestión económica, confirmando las tres hipótesis del modelo estructural. Se determinó que el conocimiento financiero técnico, la educación orientada al emprendimiento y el uso de herramientas financieras, fortalecen la capacidad de planificación, ahorro e inversión responsable. Se concluye que la alfabetización financiera y la autorregulación emocional, son factores determinantes para la autogestión y sostenibilidad económica.
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Bernedo-Moreira, D. H., Papanicolau-Denegri, J. N. A., Hervacio-Lermo, D. M., y Romero-Carazas, R. (2026). Modelado multivariante aplicado a la educación financiera: Impacto de la capacitación docente y los recursos pedagógicos. Revista de Ciencias Sociales (Ve), XXXII(1), 387-402. https://doi.org/10.31876/rcs.v32i1.45212
Choowan, P., Daovisan, H., y Suwanwong, C. (2024). Effects of Financial Literacy and Financial Behavior on Financial Well-Being: Meta-Analytical Review of Experimental Studies. International Journal of Financial Studies, 13(1), 1. https://doi.org/10.3390/ijfs13010001
Danylkiv, K., Dropa, Y., Petyk, M., Hembarska, N., y Siryk, Z. (2022). Development of Innovative Tools in Global Financial Markets. Journal of Vasyl Stefanyk Precarpathian National University, 9(3), 65-77. https://doi.org/10.15330/jpnu.9.3.65-77
Dewi, M. S., Nopiyani, P. E., Ferayani, M. D., Suryajati, I. G. A. E., y Khrisna, G. B. A. M. (2023). The influence of finance knowledge, financial Literacy, individual emotional intelligence, and Psychological Bias Factors on personal financial management. International Journal of Application on Economics and Business, 1(4), 2428-2437. https://doi.org/10.24912/ijaeb.v1i4.2428-2437
Ferrada, C., Díaz-Levicoy, D., Puraivan, E., y Silva-Díaz, F. (2020). Análisis bibliométrico sobre Educación Financiera en Educación Primaria. Revista de Ciencias Sociales (Ve), XXVI(E-2), 225-242. https://doi.org/10.31876/rcs.v26i0.34124
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Gerth, F., Lopez, K., Reddy, K., Ramiah, V., Wallace, D., Muschert, G., Frino, A., y Jooste, L. (2021). The Behavioural Aspects of Financial Literacy. Journal of Risk and Financial Management, 14(9), 395. https://doi.org/10.3390/jrfm14090395
Ghimire, B., Dahal, R. K., y Joshi, S. P. (2023). The Effect of Financial Literacy and Entrepreneurship Education on Students’ Intentions to Pursue Entrepreneurial Careers. Pravaha, 29(1), 79-88. https://doi.org/10.3126/pravaha.v29i1.71408
Guevara, C. N., y Rodríguez, L. M. (2021). Doctrina económica-financiera y contable: Un reto en la educación infantil. Revista de Ciencias Sociales (Ve), XXVII(1), 206-215. https://doi.org/10.31876/rcs.v27i1.35307
Helmold, M. (2021). Successful Management Strategies and Tools. Springer International Publishing. https://doi.org/10.1007/978-3-030-77661-9
Hong, H. J., y Fraser, I. (2022). Organisational Support for High-Performance Athletes to Develop Financial Literacy and Self-Management Skills. Journal of Risk and Financial Management, 15(1), 17. https://doi.org/10.3390/jrfm15010017
Kamaliah, Aunurrafiq, Badriyah, N., y Seti, S. (2024). Self management and entrepreneurial mindset to support the MSMEs owner’s financial well-being. Cogent Business & Management, 11(1), 2290724. https://doi.org/10.1080/23311975.2023.2290724
Kim, B. (2020). The ecosystem of a ‘wealth-tech’ culture: the birth of networked financial subjects in South Korea. Media, Culture & Society, 42(2), 207-224. https://doi.org/10.1177/0163443719853497
Ladron, J. P., Huaman, A. A., Linares, D. A., y Herrera, F. M. (2021). Incidencia de la Educación financiera de socios en la gestión financiera de una Cooperativa de Ahorro y Crédito. Ciencia Latina Revista Científica Multidisciplinar, 5(1), 556-583. https://doi.org/10.37811/cl_rcm.v5i1.251
Loor, J. B., y Zambrano, J. L. (2024). La bancarización y su aporte al desarrollo económico en el cantón Manta. Sinergia Académica, 7(E-4), 163-175. http://sinergiaacademica.com/index.php/sa/article/view/219
Lučić, A., Barbić, D., y Uzelac, M. (2023). Theoretical underpinnings of consumers’ financial capability research. International Journal of Consumer Studies, 47(1), 373-399. https://doi.org/10.1111/ijcs.12778
Lusardi, A., y Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5-44. https://doi.org/10.1257/jel.52.1.5
Moreira-Choez, J. S., Cruz, K. C., Benavides-Lara, R. M., Velasquez, M. T., Giler, M. K., y Lamus, T. M. (2023). The Synergy Between Financial Education, Economic Well-Being, and Financial Stress: An Analysis of Interconnections and Reciprocal Effects. Journal of Educational and Social Research, 13(6), 283-293. https://doi.org/10.36941/jesr-2023-0164
Mpaata, E., Koske, N., y Saina, E. (2023). Does self-control moderate financial literacy and savings behavior relationship? A case of micro and small enterprise owners. Current Psychology, 42, 10063-10076. https://doi.org/10.1007/s12144-021-02176-7
Natocheeva, N., Borodin, A., Rud, N., Kutsuri, G., Zholamanova, M., y Namitulina, A. (2019). Development of tools for realizing the potential of financial stability of enterprises. Entrepreneurship and Sustainability Issues, 7(2), 1654-1665. https://doi.org/10.9770/jesi.2019.7.2(60)
Nurjaman, M. J., y Hafni, D. A. (2025). The influence of financial knowledge, financial attitude, and financial self-efficacy on financial management among university students in Yogyakarta. Jurnal Akuntansi Bisnis, 18(2), 291-307. https://doi.org/10.30813/jab.v18i2.8181
Padrón, A. M., De La Hoz, B. A., y Panchi, N. G. (2024). Crédito como catalizador de inversión para el desarrollo económico sostenible de pequeñas y medianas empresas. Revista de Ciencias Sociales (Ve), XXX(E-10), 408-425. https://doi.org/10.31876/rcs.v30i.42851
Ren, S. (2021). Research on the Innovation of University Models for Talents Cultivation Based on the Improvement of Financial Literacy. Proceedings of the 2021 2nd International Conference on Modern Education Management, Innovation and Entrepreneurship and Social Science (MEMIESS 2021), 76–80. https://doi.org/10.2991/assehr.k.210728.015
Škreblin, I., Vehovec, M., y Galić, Z. (2017). Relationship between Financial Satisfaction and Financial Literacy: Exploring Gender Differences. Drustvena Istrazivanja, 26(2), 165-185. https://doi.org/10.5559/di.26.2.02
Tuna, G., Türkay, K., Çiftyildiz, S. S., y Çelik, H. (2023). The impact of financial tools in environmental degradation management: the relationship between Co2 emission and ESG funds. Environment, Development and Sustainability, 26(6), 14941-14956. https://doi.org/10.1007/s10668-023-03229-6
Vaghela, P. S., Kapadia, J. M., Patel, H. R., y Patil, A. G. (2023). Effect of Financial Literacy and Attitude on Financial Behavior among University Students. Indian Journal of Finance, 17(8), 43. https://doi.org/10.17010/ijf/2023/v17i8/173010
Viacenza, V. (2025). The Influence of Financial Literacy, Self-Efficacy and Lifestyle on The Financial Management Behavior. Manajemen Dan Bisnis, 24(1), 115-127. https://doi.org/10.24123/mabis.v24i1.889
Worokinasih, S., Nuzula, N. F., Damayanti, C. R., y Sirivanh, T. (2023). The resilience of youth entrepreneur: the role of social capital, financial literacy, and emotional intelligence on SMEs’ performance in Indonesia. BISMA (Bisnis Dan Manajemen), 16(1), 1-27. https://doi.org/10.26740/bisma.v16n1.p1-27
Yani, S. T., y Sriyatun (2025). The Effect of Financial Literacy, Hedonism, and Self-Control on the Consumptive Behavior of Students in the Faculty of Economics and Business. Al-Muwazanah: Indonesian Journal of Islamic Economics, 1(2), 94-106. https://journal.zmsadra.or.id/index.php/ijie/article/view/110
Zahari, Y. K., Sakti, R. A., Basit, A., y Knight, O. W. (2025). Financial Literacy, Financial Attitudes, and Self-Control Towards Financial Management Practice in MSME In West Nusa Tenggara. Jurnal Magister Ekonomi Syariah, 4(1), 721-737. https://doi.org/10.14421/jmes.2025.041-01
Bakoh, N., y Assalihee, M. (2025). The Role of Learning in Self-Management, Family Coping, and Financial Security among Muslim Families in Southern Thailand: A Structural Equation Modeling Analysis. The Journal of Behavioral Science, 20(1), 89-101. https://doi.org/10.69523/tjbs.2025.279989
Banco Central del Ecuador - BCE (2024). Encuesta nacional de educación e inclusión financiera 2024: Resultados y perspectivas. BCE. https://contenido.bce.fin.ec/documentos/informacioneconomica/MonetarioFinanciero/indiceRIF.html
Bastidas-Guerrón, J. L., Cárdenas-Fierro, G. M., Mora-Lucero, A. C., Quinde-Sari, F. R., Sabando-García, A. R., y Moreira-Choez, J. S. (2025). Financial literacy and educational level in Ecuadorian students: a structural analysis. Frontiers in Education, 10, 1596635. https://doi.org/10.3389/feduc.2025.1596635
Bernedo-Moreira, D. H., Papanicolau-Denegri, J. N. A., Hervacio-Lermo, D. M., y Romero-Carazas, R. (2026). Modelado multivariante aplicado a la educación financiera: Impacto de la capacitación docente y los recursos pedagógicos. Revista de Ciencias Sociales (Ve), XXXII(1), 387-402. https://doi.org/10.31876/rcs.v32i1.45212
Choowan, P., Daovisan, H., y Suwanwong, C. (2024). Effects of Financial Literacy and Financial Behavior on Financial Well-Being: Meta-Analytical Review of Experimental Studies. International Journal of Financial Studies, 13(1), 1. https://doi.org/10.3390/ijfs13010001
Danylkiv, K., Dropa, Y., Petyk, M., Hembarska, N., y Siryk, Z. (2022). Development of Innovative Tools in Global Financial Markets. Journal of Vasyl Stefanyk Precarpathian National University, 9(3), 65-77. https://doi.org/10.15330/jpnu.9.3.65-77
Dewi, M. S., Nopiyani, P. E., Ferayani, M. D., Suryajati, I. G. A. E., y Khrisna, G. B. A. M. (2023). The influence of finance knowledge, financial Literacy, individual emotional intelligence, and Psychological Bias Factors on personal financial management. International Journal of Application on Economics and Business, 1(4), 2428-2437. https://doi.org/10.24912/ijaeb.v1i4.2428-2437
Ferrada, C., Díaz-Levicoy, D., Puraivan, E., y Silva-Díaz, F. (2020). Análisis bibliométrico sobre Educación Financiera en Educación Primaria. Revista de Ciencias Sociales (Ve), XXVI(E-2), 225-242. https://doi.org/10.31876/rcs.v26i0.34124
García, N., Grifoni, A., López, J. C., y Mejía, D. (2013). Financial Education in Latin America and the Caribbean: Rationale, Overview and Way Forward. OECD. https://doi.org/10.1787/5k41zq7hp6d0-en
Gerth, F., Lopez, K., Reddy, K., Ramiah, V., Wallace, D., Muschert, G., Frino, A., y Jooste, L. (2021). The Behavioural Aspects of Financial Literacy. Journal of Risk and Financial Management, 14(9), 395. https://doi.org/10.3390/jrfm14090395
Ghimire, B., Dahal, R. K., y Joshi, S. P. (2023). The Effect of Financial Literacy and Entrepreneurship Education on Students’ Intentions to Pursue Entrepreneurial Careers. Pravaha, 29(1), 79-88. https://doi.org/10.3126/pravaha.v29i1.71408
Guevara, C. N., y Rodríguez, L. M. (2021). Doctrina económica-financiera y contable: Un reto en la educación infantil. Revista de Ciencias Sociales (Ve), XXVII(1), 206-215. https://doi.org/10.31876/rcs.v27i1.35307
Helmold, M. (2021). Successful Management Strategies and Tools. Springer International Publishing. https://doi.org/10.1007/978-3-030-77661-9
Hong, H. J., y Fraser, I. (2022). Organisational Support for High-Performance Athletes to Develop Financial Literacy and Self-Management Skills. Journal of Risk and Financial Management, 15(1), 17. https://doi.org/10.3390/jrfm15010017
Kamaliah, Aunurrafiq, Badriyah, N., y Seti, S. (2024). Self management and entrepreneurial mindset to support the MSMEs owner’s financial well-being. Cogent Business & Management, 11(1), 2290724. https://doi.org/10.1080/23311975.2023.2290724
Kim, B. (2020). The ecosystem of a ‘wealth-tech’ culture: the birth of networked financial subjects in South Korea. Media, Culture & Society, 42(2), 207-224. https://doi.org/10.1177/0163443719853497
Ladron, J. P., Huaman, A. A., Linares, D. A., y Herrera, F. M. (2021). Incidencia de la Educación financiera de socios en la gestión financiera de una Cooperativa de Ahorro y Crédito. Ciencia Latina Revista Científica Multidisciplinar, 5(1), 556-583. https://doi.org/10.37811/cl_rcm.v5i1.251
Loor, J. B., y Zambrano, J. L. (2024). La bancarización y su aporte al desarrollo económico en el cantón Manta. Sinergia Académica, 7(E-4), 163-175. http://sinergiaacademica.com/index.php/sa/article/view/219
Lučić, A., Barbić, D., y Uzelac, M. (2023). Theoretical underpinnings of consumers’ financial capability research. International Journal of Consumer Studies, 47(1), 373-399. https://doi.org/10.1111/ijcs.12778
Lusardi, A., y Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5-44. https://doi.org/10.1257/jel.52.1.5
Moreira-Choez, J. S., Cruz, K. C., Benavides-Lara, R. M., Velasquez, M. T., Giler, M. K., y Lamus, T. M. (2023). The Synergy Between Financial Education, Economic Well-Being, and Financial Stress: An Analysis of Interconnections and Reciprocal Effects. Journal of Educational and Social Research, 13(6), 283-293. https://doi.org/10.36941/jesr-2023-0164
Mpaata, E., Koske, N., y Saina, E. (2023). Does self-control moderate financial literacy and savings behavior relationship? A case of micro and small enterprise owners. Current Psychology, 42, 10063-10076. https://doi.org/10.1007/s12144-021-02176-7
Natocheeva, N., Borodin, A., Rud, N., Kutsuri, G., Zholamanova, M., y Namitulina, A. (2019). Development of tools for realizing the potential of financial stability of enterprises. Entrepreneurship and Sustainability Issues, 7(2), 1654-1665. https://doi.org/10.9770/jesi.2019.7.2(60)
Nurjaman, M. J., y Hafni, D. A. (2025). The influence of financial knowledge, financial attitude, and financial self-efficacy on financial management among university students in Yogyakarta. Jurnal Akuntansi Bisnis, 18(2), 291-307. https://doi.org/10.30813/jab.v18i2.8181
Padrón, A. M., De La Hoz, B. A., y Panchi, N. G. (2024). Crédito como catalizador de inversión para el desarrollo económico sostenible de pequeñas y medianas empresas. Revista de Ciencias Sociales (Ve), XXX(E-10), 408-425. https://doi.org/10.31876/rcs.v30i.42851
Ren, S. (2021). Research on the Innovation of University Models for Talents Cultivation Based on the Improvement of Financial Literacy. Proceedings of the 2021 2nd International Conference on Modern Education Management, Innovation and Entrepreneurship and Social Science (MEMIESS 2021), 76–80. https://doi.org/10.2991/assehr.k.210728.015
Škreblin, I., Vehovec, M., y Galić, Z. (2017). Relationship between Financial Satisfaction and Financial Literacy: Exploring Gender Differences. Drustvena Istrazivanja, 26(2), 165-185. https://doi.org/10.5559/di.26.2.02
Tuna, G., Türkay, K., Çiftyildiz, S. S., y Çelik, H. (2023). The impact of financial tools in environmental degradation management: the relationship between Co2 emission and ESG funds. Environment, Development and Sustainability, 26(6), 14941-14956. https://doi.org/10.1007/s10668-023-03229-6
Vaghela, P. S., Kapadia, J. M., Patel, H. R., y Patil, A. G. (2023). Effect of Financial Literacy and Attitude on Financial Behavior among University Students. Indian Journal of Finance, 17(8), 43. https://doi.org/10.17010/ijf/2023/v17i8/173010
Viacenza, V. (2025). The Influence of Financial Literacy, Self-Efficacy and Lifestyle on The Financial Management Behavior. Manajemen Dan Bisnis, 24(1), 115-127. https://doi.org/10.24123/mabis.v24i1.889
Worokinasih, S., Nuzula, N. F., Damayanti, C. R., y Sirivanh, T. (2023). The resilience of youth entrepreneur: the role of social capital, financial literacy, and emotional intelligence on SMEs’ performance in Indonesia. BISMA (Bisnis Dan Manajemen), 16(1), 1-27. https://doi.org/10.26740/bisma.v16n1.p1-27
Yani, S. T., y Sriyatun (2025). The Effect of Financial Literacy, Hedonism, and Self-Control on the Consumptive Behavior of Students in the Faculty of Economics and Business. Al-Muwazanah: Indonesian Journal of Islamic Economics, 1(2), 94-106. https://journal.zmsadra.or.id/index.php/ijie/article/view/110
Zahari, Y. K., Sakti, R. A., Basit, A., y Knight, O. W. (2025). Financial Literacy, Financial Attitudes, and Self-Control Towards Financial Management Practice in MSME In West Nusa Tenggara. Jurnal Magister Ekonomi Syariah, 4(1), 721-737. https://doi.org/10.14421/jmes.2025.041-01
Publicado
2026-07-06
Cómo citar
Quimiz-Sandoya, J. J., Ultreras-Rodríguez, A., Cervantes-Martínez, L., & Beltrán-Zazueta, O. A. (2026). Efectos de la cultura financiera sobre la autogestión financiera en función del nivel académico universitario. Revista De Ciencias Sociales, 32, 249-264. https://doi.org/10.31876/rcs.v32i.45758
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