Análisis del comportamiento de ahorro en los hogares de nivel socioeconómico medio de Guayaquil, año 2021

Abstract

This research analyzes the saving behavior in households of average socioeconomic level of Guayaquil, for which the trends of the level of saving in these households were identified, as well as the various saving alternatives that they practice and saving strategies were designed. The methodology used was descriptive, non-experimental, and analytical, with a mixed approach, using data collection tools such as a survey of a sample of 374 people from households of medium socioeconomic level and interviews with 3 experts in the area. The results show that this population does not have a financial culture to generate good household savings and be able to meet household needs. In conclusion, the tendency towards saving is low or non-existent in most households, and when contingencies arise, they cover them with loans from the company, family or, in some cases, with advance credit cards.