Diagnosticar el grado de conocimiento de la educación financiera y su aplicación de las finanzas personales, a los estudiantes universitarios del sector de la Mariscal de la cuidad de Quito periodo 2022-2023

Abstract

Financial education is the cornerstone of a peaceful life free from worries, especiallyforuniversity students, as we are a pillar of modern life and capable of building newhorizons. Today's university students face a very sensitive stage: developing financial habits. Thesehabits can significantly influence personal finances, both positively and negatively. Earlyexposure to financial education can encourage saving and stress-free finances. This studyfocused on analyzing the level of financial literacy among university students and howtheymanaged their financial knowledge from 2022 to 2023. A survey was conducted among118students from Pontificia Universidad Católica del Ecuador, Universidad Politécnica Salesiana, and Escuela Politécnica Nacional, located in the Mariscal area of Quito. The research employedboth qualitative and quantitative approaches with an ordinal scale, focusing on key aspects suchas budgeting, saving, debt, and investment. The primary objective was to guide the researchfrom two key points: first, by merging previously acquired knowledge with existinginformation from various sources; and second, by offering a comprehensive perspective. Theprecise results obtained led to the conclusion that there is a direct correlation between thelevel of financial knowledge among students and the quality of their daily financial decisions. Acquiring financial education knowledge can help reduce poverty.