Browsing by Author "Torres-Miranda, Mayra Elizabeth"

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Nivel de educación financiera en los estudiantes de la Facultad de Ciencias Económicas y Administrativas
Rodríguez-Ramírez, Belkis Yulieth; Sánchez-Pérez, Deyna Karim; Torres-Miranda, Mayra Elizabeth; Vivas-Fuentes, Leandro
This research focuses on the level of financial literacy among students in the Faculty of Economics and Administrative Sciences. Financial education is a process through which students improve their understanding of financial products and concepts, developing their capacity for decision-making, since, depending on this; they can achieve financial success with greater certainty. However, students do not have the prior knowledge to correctly manage their financial resources; on the contrary, they do not have these foundations. This is because, as a society, the study of personal financial planning has been underestimated to such an extent that it has become an education that is only taught in the home; Parents pass on the financial knowledge acquired throughout their lives, but the problem lies in the fact that parents have not been instructed in these issues either, making the lessons they teach their children insufficient and even in the worst cases, dissonant with the economic reality of the country where they live, and in the end a vicious circle is evident in which generation after generation repeats the same mistakes, leaving as a consequence, societies enslaved by debts with entities such as ICETEX and commercial banks; Thus leaving a community preoccupied with money and failing to live fully because of a lack of knowledge and management of personal finances.