Percepción financiera de estudiantes de ingeniería en la UNMSM, 2022
Date
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Volume Title
Publisher
Impulso
Abstract
La percepción financiera se refiere a la forma en que los individuos interpretan, entienden y reaccionan ante la información financiera y las decisiones económicas que enfrentan en su vida cotidiana. El objetivo de la presente investigación fue diagnosticar la percepción financiera de los estudiantes de ingeniería de la UNMSM en 2022, a través del análisis de sus características socioeconómicas, nivel de educación financiera, planificación, uso de productos y aspectos conductuales. Un análisis de componentes principales (ACP) reveló que estas dimensiones explican entre el 56-74% de la varianza total de la percepción financiera en estudiantes universitarios. Los resultados sugieren que las características socioeconómicas, educación financiera, planificación, productos financieros y finanzas conductuales son factores clave que impactan la percepción financiera de estos estudiantes. Se concluye que un enfoque integral que aborde estos aspectos es fundamental para mejorar la educación y la toma de decisiones financieras en los estudiantes de ingeniería de la UNMSM.
Financial perception refers to the way individuals interpret, understand, and react to financial information and the economic decisions they face in their daily lives. The objective of this study was to diagnose the financial perception of engineering students at UNMSM in 2022, through the analysis of their socio-economic characteristics, financial education level, planning, product use, and behavioral aspects. A principal components analysis (PCA) revealed that these dimensions explain between 56-74% of the total variance in financial perception among university students. The results suggest that socio-economic characteristics, financial education, planning, financial products, and behavioral finance are key factors that impact financial perception among these students. It is concluded that an integrated approach that addresses these aspects is essential to improve financial education and decision-making among engineering students at UNMSM.
Financial perception refers to the way individuals interpret, understand, and react to financial information and the economic decisions they face in their daily lives. The objective of this study was to diagnose the financial perception of engineering students at UNMSM in 2022, through the analysis of their socio-economic characteristics, financial education level, planning, product use, and behavioral aspects. A principal components analysis (PCA) revealed that these dimensions explain between 56-74% of the total variance in financial perception among university students. The results suggest that socio-economic characteristics, financial education, planning, financial products, and behavioral finance are key factors that impact financial perception among these students. It is concluded that an integrated approach that addresses these aspects is essential to improve financial education and decision-making among engineering students at UNMSM.
Description
Vol. 4, No. 8
Keywords
Características socioeconómicas, Educación financiera, Finanzas conductuales, Percepción financiera, Planificación financiera, Productos financieros, Behavioral finance, Financial education, Financial perception, Financial planning, Financial products, Socio-economic characteristics, Características socioeconômicas, Educação financeira, Finanças comportamentais, Percepção financeira, Planejamento financeiro, Produtos financeiros.