Analysis for Education and Financial Inclusion in Esmeraldas
In Ecuador there are the financial services of private banks and those of the popular and solidarity economy. The objective of the research is to analyze the conditions of access to savings and credit of excluded sectors in order to focus financial education towards saving and at the same time inves...
| Autor: | |
|---|---|
| Tipo de recurso: | artículo |
| Estado: | Versión publicada |
| Fecha de publicación: | 2019 |
| País: | Ecuador |
| Institución: | Pontificia Universidad Católica del Ecuador - Sede Esmeraldas |
| Repositorio: | Revista Pontificia Universidad Católica del Ecuador - Sede Esmeraldas |
| Idioma: | español |
| OAI Identifier: | oai:ojs.pkp.sfu.ca:article/367 |
| Acceso en línea: | https://revistas.pucese.edu.ec/hallazgos21/article/view/367 |
| Access Level: | acceso abierto |
| Palabra clave: | Educación financiera; inclusión financiera; finanzas populares. Financial education; financial inclusion; popular finance. |
| Sumario: | In Ecuador there are the financial services of private banks and those of the popular and solidarity economy. The objective of the research is to analyze the conditions of access to savings and credit of excluded sectors in order to focus financial education towards saving and at the same time investment. There are several experiences and social innovation that have managed to educate the most vulnerable population and with less opportunities to access the private financial system towards organizations, with a vision of savings and access to flexible productive credit. In the popular and solidarity economy, the figures of savings banks, communal banks, solidarity funds, and popular investment societies are present. The analysis of good education and financial inclusion practices in Mexico, Spain and Canada was carried out. In Ecuador, with the formation of the Social and Solidarity Economic System, the issue of popular finance was resumed. With this background, we worked with 406 surveys, in 28 physical establishments of the 7 cantons of Esmeraldas province and in a single university. The results show that there are 90.1% of respondents included in the financial system. 99.2% value savings as important, and 83.9% are interested in the proposal of Education and Financial Inclusion. It is concluded that the study reveals the motivation of people to be better informed for financial decision making. |
|---|