La educación financiera: su impacto en el emprendimiento juvenil universitario

Abstract

This study analyzes the impact of financial education on university youth entrepreneurship at the Salesian Polytechnic University of Guayaquil. The study presents a descriptive research design with a quantitative approach since data collection was carried out by applying a survey to a sample of 100 students, showing that financial literacy strengthens economic decision-making, promotes business sustainability and improves resilience to financial challenges. Important barriers were identified, such as the inequality gap, limited access to financing and the insufficient use of technological tools in business management. Many young people depend on personal savings due to a lack of credit history, which limits the growth of their projects. The research concludes that financial education is key to strengthening entrepreneurial skills, promoting financial inclusion and reducing economic inequalities. It is suggested to develop specific educational programs and inclusive public policies that facilitate access to financial knowledge, thus promoting a more solid and sustainable entrepreneurial ecosystem.