Educación y capacitación financiera para lograr la inclusión financiera

Abstract

The need for financial inclusion in countries made up of people and households that have low incomes and that represent an important part of the population and the economies arises naturally due to the limited access to information sources and the inefficiency that the institutions of the financial systems maintain on the positive impact that allows reducing the inequality gap between the different sectors of society. On the other hand, the connection and access to financial market resources provides the opportunity to analyze the progress and possible challenges regarding access to the issue of financial inclusion. This work carries out a mixed, descriptive and correlational investigation, applying a questionnaire of 42 multiple choice items to a convenience sample of 100 users of financial services during May and June 2022, analyzing the variables: Planning, financial education, products and financial services, which to identify the degree of education, financial culture as well as the causes of financial exclusion so marked in Puebla. The data is processed with excel. Only some financial services of first-tier banking are known, options and investment management are unknown, banking is distrusted and the main source of resources are family and friends.