EDUCACIÓN Y CULTURA FINANCIERA EN ESTUDIANTES UNIVERSITARIOS: UN ESTUDIO DE CASO EN UNA UNIVERSIDAD PRIVADA DE ARGENTINA
DOI:
https://doi.org/10.25194/rf.v16i2.1732Keywords:
financial literacy, financial culture, personal finance, university studentsAbstract
In recent years, financial inclusion has become a central topic in public policies worldwide, including in Argentina. Achieving real financial inclusion requires a focus on developing financial education, identifying financial culture, and enabling access to financial products. The lack of financial education can lead people to misjudge risks and make wrong decisions, which can impact their current and future quality of life. In universities, it is increasingly common to find programs and activities that support the financial education and culture of young people. This study aimed to identify the levels of financial culture and education among students at a private university in Argentina. To do so, a data collection instrument developed in Mexico was used to measure the level of financial culture and education, which presented reliability and validity indicators like those found in its initial validation. Around 480 university students were surveyed, and it was found that they have a good level of financial culture and education. However, there is still a significant knowledge gap in more complex financial products and long-term investments for retirement contributions. Therefore, it is suggested to deepen the topic in future research, complementing the data with qualitative information to expand knowledge about the profile of the students. In conclusion, financial education and inclusion are fundamental to a healthy and equitable economic life. The research demonstrates the need to continue promoting financial education and expanding access to more complex financial products, especially for long-term retirement contributions
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