Conocimiento y percepción de jóvenes guayaquileños sobre inversión en instrumentos financieros

Abstract

This research analyzes the knowledge and perceptions of young people in Guayaquil regarding investment in financial instruments, given this group's low participation in formal mechanisms such as mutual funds or bonds, despite their importance for local economic development. The study justified by the need to promote youth financial inclusion and mitigate risks associated with informal or fraudulent schemes. The objectives include identifying the level of knowledge, perceptions, and interest in these instruments, as well as the factors that influence their financial decisions. The methodology adopted a mixed approach, consisting of four hundred surveys with young people aged 15 to 34 (sample calculated with a 95% confidence level and a 5% margin of error) and interviews with financial sector experts. The results revealed more than 50% of respondents have little or no knowledge of financial instruments, with a preference for traditional banking products such as savings accounts or term deposits. Furthermore, a high interest in learning through social media was identified, although distrust of formal institutions and a desire for unregulated options persist. The findings highlight the urgency of implementing youth-friendly financial education strategies, promoting reliable digital channels, and strengthening market transparency. Youth financial inclusion emerges as a key factor to Guayaquil's sustainable economic development.