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. |
| id |
EC_6bf56f3f55db1d932adce8d5b59aa481 |
|---|---|
| oai_identifier_str |
oai:ojs.pkp.sfu.ca:article/367 |
| network_acronym_str |
EC |
| network_name_str |
Ecuador |
| repository_id_str |
|
| dc.title.none.fl_str_mv |
Analysis for Education and Financial Inclusion in Esmeraldas Análisis para la Educación e Inclusión Financiera en Esmeraldas |
| title |
Analysis for Education and Financial Inclusion in Esmeraldas |
| spellingShingle |
Analysis for Education and Financial Inclusion in Esmeraldas Benites- Cañizares, Roxana I. Educación financiera; inclusión financiera; finanzas populares. Financial education; financial inclusion; popular finance. |
| title_short |
Analysis for Education and Financial Inclusion in Esmeraldas |
| title_full |
Analysis for Education and Financial Inclusion in Esmeraldas |
| title_fullStr |
Analysis for Education and Financial Inclusion in Esmeraldas |
| title_full_unstemmed |
Analysis for Education and Financial Inclusion in Esmeraldas |
| title_sort |
Analysis for Education and Financial Inclusion in Esmeraldas |
| dc.creator.none.fl_str_mv |
Benites- Cañizares, Roxana I. |
| author |
Benites- Cañizares, Roxana I. |
| author_facet |
Benites- Cañizares, Roxana I. |
| author_role |
author |
| dc.subject.none.fl_str_mv |
Educación financiera; inclusión financiera; finanzas populares. Financial education; financial inclusion; popular finance. |
| topic |
Educación financiera; inclusión financiera; finanzas populares. Financial education; financial inclusion; popular finance. |
| description |
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. |
| publishDate |
2019 |
| dc.date.none.fl_str_mv |
2019-11-21 |
| dc.type.none.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
| format |
article |
| status_str |
publishedVersion |
| dc.identifier.none.fl_str_mv |
https://revistas.pucese.edu.ec/hallazgos21/article/view/367 |
| url |
https://revistas.pucese.edu.ec/hallazgos21/article/view/367 |
| dc.language.none.fl_str_mv |
spa |
| language |
spa |
| dc.relation.none.fl_str_mv |
https://revistas.pucese.edu.ec/hallazgos21/article/view/367/288 https://revistas.pucese.edu.ec/hallazgos21/article/view/367/299 |
| dc.rights.none.fl_str_mv |
info:eu-repo/semantics/openAccess |
| eu_rights_str_mv |
openAccess |
| dc.format.none.fl_str_mv |
application/pdf text/html |
| dc.publisher.none.fl_str_mv |
Pontifica Universidad Católica del Ecuador Sede Esmeraldas |
| publisher.none.fl_str_mv |
Pontifica Universidad Católica del Ecuador Sede Esmeraldas |
| dc.source.none.fl_str_mv |
Revista Científica Hallazgos21; Vol. 4 Núm. 3 (2019): REVISTA CIENTÍFICA HALLAZGOS21; 293-305 2528-7915 2528-7915 reponame:Revista Pontificia Universidad Católica del Ecuador - Sede Esmeraldas instname:Pontificia Universidad Católica del Ecuador - Sede Esmeraldas instacron:PUCESE |
| instname_str |
Pontificia Universidad Católica del Ecuador - Sede Esmeraldas |
| instacron_str |
PUCESE |
| institution |
PUCESE |
| reponame_str |
Revista Pontificia Universidad Católica del Ecuador - Sede Esmeraldas |
| collection |
Revista Pontificia Universidad Católica del Ecuador - Sede Esmeraldas |
| repository.name.fl_str_mv |
Revista Pontificia Universidad Católica del Ecuador - Sede Esmeraldas - Pontificia Universidad Católica del Ecuador - Sede Esmeraldas |
| repository.mail.fl_str_mv |
. |
| _version_ |
1868999658151346176 |
| spelling |
Analysis for Education and Financial Inclusion in EsmeraldasAnálisis para la Educación e Inclusión Financiera en EsmeraldasBenites- Cañizares, Roxana I. Educación financiera; inclusión financiera; finanzas populares.Financial education; financial inclusion; popular finance.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.En Ecuador existen los servicios financieros de la banca privada y los de la economía popular y solidaria. El objetivo de la investigación es analizar las condiciones de acceso al ahorro y al crédito de sectores excluidos con la finalidad de enfocar la educación financiera hacia al ahorro y a su vez a la inversión. Existen varias experiencias e innovación social que han logrado educar a la población más vulnerable y con menores oportunidades de acceso al sistema financiero privado hacia organizaciones con visión de ahorro y acceso a crédito productivo flexible. En la economía popular y solidaria aparecen las figuras de cajas de ahorro, bancos comunales, cajas solidarias, y sociedades populares de inversión. Se realizó el análisis de buenas prácticas de educación e inclusión financiera de México, España y Canadá. En Ecuador, con la conformación del Sistema Económico Social y Solidario, se retomó el tema de finanzas populares. Con esos antecedentes, se trabajó con 406 encuestas, en 28 establecimientos fiscomisionales de los 7 cantones de la provincia de Esmeraldas y en una sola universidad. Los resultados muestran que el 90.1% de los encuestados se encuentran incluidos en el sistema financiero. El 99.2% valora como importante el ahorro, y el 83.9% está interesado en la propuesta de Educación e Inclusión Financiera. Se concluye que el estudio revela la motivación de las personas por estar mejor informada para la toma de decisiones financieras.Pontifica Universidad Católica del Ecuador Sede Esmeraldas2019-11-21info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdftext/htmlhttps://revistas.pucese.edu.ec/hallazgos21/article/view/367Revista Científica Hallazgos21; Vol. 4 Núm. 3 (2019): REVISTA CIENTÍFICA HALLAZGOS21; 293-3052528-79152528-7915reponame:Revista Pontificia Universidad Católica del Ecuador - Sede Esmeraldasinstname:Pontificia Universidad Católica del Ecuador - Sede Esmeraldasinstacron:PUCESEspahttps://revistas.pucese.edu.ec/hallazgos21/article/view/367/288https://revistas.pucese.edu.ec/hallazgos21/article/view/367/299info:eu-repo/semantics/openAccess2019-11-21T15:24:14Zoai:ojs.pkp.sfu.ca:article/367Institucionalhttps://revistas.pucese.edu.ec/Universidad públicahttps://www.pucese.edu.ec/..Ecuador.2550-665X1390-9800opendoar:02025-04-20T07:36:36.032387Revista Pontificia Universidad Católica del Ecuador - Sede Esmeraldas - Pontificia Universidad Católica del Ecuador - Sede Esmeraldastrue |
| score |
14,964248 |