Repositorio Institucional Universidad EAFIT ::Examinando por Materia "FINANZAS PERSONALES"

Examinando por Materia "FINANZAS PERSONALES"

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Análisis de impacto sobre las pruebas Pisa 2024 ante la implementación de un microcurriculo de educación financiera
(Universidad EAFIT, 2022) Chiquiza Nivia, Gina Paola; Parra Bermúdez, Heydi Natalia; Durango Gutiérrez, María Patricia
This research carries out an analysis of the impact that the design and development of a financial training course in educational institutions in Bogotá may have on the PISA tests of 2024, at the levels of basic secondary and secondary education. For this, it estimates the probability of the scope of this program in terms of its coverage. Additionally, it carries out an analysis of the impact and future performance of the students in the results of the PISA tests for the aforementioned year, based on the review of those obtained between 2009 and 2018 in Colombia, with a focus on the results of 2012, where the country participated in the evaluation of financial competencies.
Decisiones que construyen futuro : promoción del ahorro en empleados del sector financiero
(Universidad EAFIT, 2025) Bedoya Agudelo, María Fernanda; Valdés Duque, Natalia; Ramirez García, Maria Isabel
Desarrollo de un modelo financiero para la gestión de las finanzas personales, comercializable, escalable y que aporte a la solución del problema del analfabetismo financiero de la población colombiana
(Universidad EAFIT, 2024) Herrera Cardona, Juan Esteban; Mora Cuartas, Andrés Mauricio
Determinantes en el nivel de alfabetismo financiero : un caso de análisis en el Valle de Aburrá
(Universidad EAFIT, 2021) Quirama Estrada, Uvenny; Puerta Álvarez, Henry Daniel
Diagnóstico de la educación financiera de las Startups en Manizales
(Universidad EAFIT, 2017) Morales Zuluaga, Eliana; N/A
The financial education has been a topic to which has been given a lot of importance in the recent years, because of the greatest benefits that they bring to people, business and to the economy, in general -- For this reason, this research work pretends to make a diagnostic through a financial test of knowledge applied to entrepreneurs which are part of the Startup Plus program, of the city of Manizales, 2017-1 version -- The main result obtained from the 69 entrepreneurs that answer the test is that they still need capacitation that allow them to rich better economic benefits, either personal or organizational, making difference from people who have better levels of financial literacy
Diseño de una guía metodológica para mejorar las competencias financieras de los estudiantes de grado once del colegio Seminario Menor de Nuestra Señora del Rosario e Instituto Universitario de Caldas, basada en un diagnóstico inicial de sus conocimientos en finanzas
(Universidad EAFIT, 2025) León Cardona, Thomas; Gutiérrez Gutiérrez, Brayan; Cruz Castañeda, Vivian
Financial education from an early age is fundamental, as it allows for efficient management of economic resources, reduces poverty, and improves social well-being. In the Colegio Seminario Menor de Nuestra Señora del Rosario and Instituto Universitario de Caldas in Manizales, a diagnostic survey was conducted on 115 eleventh-grade students to identify their sociodemographic characteristics and learning opportunities in the area of finance. To address this problem, a financial capacity index was designed, which was correlated with the main demographic variables of the sample through a multiple regression model. In addition, a methodological guide for financial education was constructed with a pedagogical approach based on learning through technological tools. The guide was adapted to the needs of the students to encourage the appropriation of the topic in a real context. This initiative will benefit not only students in their school stage but also in their adult life, promoting a financially literate society.
Empujones para el pago a tiempo de créditos educativos
(Universidad EAFIT, 2022) Navarro Machado, Alexandra; Acosta Vélez, Kathalina Maria; Echeverri Álvarez, Jonathan; Comfama
Estrategias para el uso eficiente de los ingresos por parte de agricultores en el municipio de Guasca del Departamento de Cundinamarca, Colombia
(Universidad EAFIT, 2018) Aldana Prieto, Jeisson Alejandro; Rodríguez Sánchez, Andrés Felipe; Bernal Torres, César Augusto
The efficient use of resources in the world, and specifically in Colombia, has become a priority for development and research, leading the government to implement information and regulation mechanisms to guide citizens in the management of their resources -- Nonetheless, there are conditions presented in the economic and social environment that make the implemented methodologies insufficient to ensure population’s decision making to improve their living conditions and adequately manage their personal finances -- Due to the importance of the efficient management of resources, this project analyzes the current situation, in order to formulate strategies aimed at contributing to the efficient use of income by agricultural producers, taking as a study area the municipality of Guasca of the department of Cundinamarca – Colombia -- To achieve the stated objective, a descriptive study was carried out on farmers of medium-and large-scale plantings of strawberry and potato, with a minimum experience of five years in this activity, and that in the last two years have had sowed the mentioned crops -- The information was obtained through the application of a survey to the participants -- The results indicate that there is a low correlation between the financial knowledge and the level of savings -- Therefore, some strategies aimed at improving income through economic and financial education mechanisms and applying better practices in potato and strawberry crops are suggested
Estudio de las capacidades financieras de los obreros en la ciudad de Medellín
(Universidad EAFIT, 2017) Serrano Echeverry, María; Restrepo Tobón, Diego Alexander; Álvarez Franco, Pilar Beatriz
Low levels of Financial Capabilities (FC) around the world have aroused the interest of academics and public policy makers to understand their determinants and create programs that improve the financial well-being of the population -- The high costs of living and the complexity in financial decision making are decisive for the day-to-day life of Colombian families; understanding their financial skills and knowledge allows to explain in part the way they took financial decisions -- The purpose of this investigation is to make a diagnosis about the FC of the workers of the city of Medellín -- Studying the attitudes, behaviors and financial knowledge of the working population is potentially important for analyzing a segment that represents almost 50% of the Colombian population (DANE, 2017a); this portion of the population is characterized by strong financial constraints and is slightly marginalized to make decisions outside the financial system -- Knowing how people make decisions regarding the use of money, their main expenses, their sources of savings, among others, will be the task of this research -- The methodology consisted in using a survey to measure FC -- The sample consisted of 443 workers and work managers, who work in the same company, which meets the labor conditions required by law, and whose jobs are considered formal -- The results of this research show that people who have a higher level of education answered correctly a greater number of questions about financial literacy -- In general, the sample presents responsible attitudes toward money, has intentions to save and worries about a future -- However, it is reflected that, although there is a budget management in the home, the income is not enough to cover the expenses
Factores determinantes en la toma de un crédito gota a gota por la población de Palmira
(Universidad EAFIT, 2022) Corrales Betancourt, Angélica María; Torres Fernández, Eveling Andrea; Álvarez Franco, Pilar Beatriz
In this research, the main determining factors that directly influence the population of Palmira city (Colombia), to resort drop by drop credits are identified. A quantitative research with a descriptive approach is developed. The sample was random, and consisted of 413 interviewed inhabitants of Palmira, who were chosen at the center of the city. The Logit regression model was used to obtain the statistical analyses of the qualitative and quantitative variables of the population. Whit a confidence level of 95%, the main determinants for accessing to this type of credit are those associated whit income, expenses, economic conditions, attitudes towards money and monetary poverty. In general, the users of the daily payday loans responded that they belonged to strata 1, 2 and 3, had a low level of financial knowledge and were unaware of the interest rate agreed for these loans.
Financial well-being and credit behavior in Mexico
(Universidad EAFIT, 2025) Patiño Hurtado, Germán Alonso; Hernández Zuluaga, Juan Felipe
Índice de alfabetismo financiero en Colombia : una aproximación metodológica empleando la metodología Fuzzy Sets
(Universidad EAFIT, 2022) Mejía Arango, Daniel; Londoño Giraldo, Juan Pablo; Astorquiza Bustos, Bilver Adrián
Influencia de los rasgos de personalidad en el conocimiento financiero de los estudiantes de posgrado de EAFIT Bogotá
(Universidad EAFIT, 2024) Fonseca Giraldo, Juan Pablo; Durango Gutiérrez, María Patricia
The purpose of this work is to measure the level of financial knowledge of EAFIT Bogota’s graduate students and investigate how this is influenced by sociodemographic characteristics and personality traits. A survey was carried out, built based on the literature, which consisted of three sections: sociodemographic characteristics, financial knowledge, and personality traits. Additionally, arriving at a definitive multiple linear regression model, estimating the parameters by the Ordinary Least Squares (OLS) model, it is concluded that men, students under 30 years of age, those with an estimated level of monthly income higher than 10 million pesos, those studying the first semesters, students who have a low degree of extraversion and who have a high degree of agreeableness are likely to have a higher level of financial knowledge compared to their respective peers.
Intervención comportamental tipo MINDSPACE para promover prácticas de ahorro programado en jóvenes de educación media de una institución educativa en la ciudad de Medellín-Colombia
(Universidad EAFIT, 2023) Pantoja Arias, Johan Camilo; Flórez Álvarez, Jhonathan; Giraldo Aristizábal, Natalia; Cardona Mesa, Laura Carolina
The objective of this study was to evaluate the effectiveness of the savings program among secondary education students in Medellin during 2023. The study aimed to enhance students' saving capacity, evaluate goal attainment in terms of savings in both a treatment group and a control group, determine the presence of significant differences in savings between the two groups, and analyze the influence of family support on goal attainment based on their sociodemographic and socioeconomic profiles. The results demonstrated the success of the behavioral intervention, as students were able to achieve their savings goals regardless of their economic circumstances. Moreover, the importance of family support in students' success was emphasized. These findings underscore the efficacy of the programmed saving strategy and its potential to enhance the saving capacity of secondary education students.
Juego lúdico : "Points&Goals"
(Universidad EAFIT, 2022) Salamanca Barrera, Mónica Elvira; Vargas Sáenz, Mario Enrique; Restrepo Builes, Bernardo León
POINTS&GOALS is a board game designed for young people (14 years and older) that seeks to teach players and participants basic business concepts, their risks or unforeseen events, the mechanisms of financial support and government subsidies, as well as the management of savings systems and application for credits. In the game, there are implicit social values such as solidarity, cooperation, and teamwork, aimed at creating awareness of support among entrepreneurs, achieving local development of a community, taking into account clear saving goals. The game includes challenges and questions to earn points (money), in which skills and abilities are developed, such as basic percentages calculations and others applicable to business. In conclusion, this playful game aims to be a financial education tool so that young people learn business management, budgeting, and mechanisms to deal with unforeseen events in everyday life, because life is a game.
La influencia de la educación financiera en los beneficiarios del programa del ministerio de agricultura “Construyendo Capacidades Empresariales Rurales, Confianza y Oportunidad, El Campo Emprende” en algunos municipios de la unidad territorial Medio Bajo Atrato
(Universidad EAFIT, 2022) Polo Riva, Marciana Paola; Puerta Álvarez, Henry Daniel
Latin America and the Caribbean have progressively presented satisfactory effects in the development of the economy, however, in aspects such as equality, speaking of poverty, purchasing power among other particularities, allow arguing if in reality the conditions improve for the entire population in general, certain authors argue that Latin America and the Caribbean concentrates a high level of financial ignorance, This inhibits the general population from accessing financial products and services in an efficient way (correct administration of resources), and in an effective way (perpetuating the best results), so that the Campo Emprende program seeks to make certain groups financially literate in order to develop their knowledge and conception of finance; this research work intends to evaluate the influence of the program on the entrepreneurial skills of the population of Medio Bajo Atrato, the methodology to be used comprises descriptive contexts and a t-test for related subjects; The results have been totally gratifying, demonstrating in each of the questions that financial literacy has proportionally increased knowledge, the t-tests ratify the above mentioned, with a significance level of 0.000, that is, a 99.99% confidence level, it is concluded that there is a significant difference between the initial test and the post-test, the P8 format of financial knowledge demonstrated that the training improved knowledge by 37.70%, the P9 format self-perception of financial competences converges in a benefit of 21.17%.
¿La prosperidad de un país se relaciona el conocimiento financiero de la gente?
(Universidad EAFIT, 2022) Diez Aguirre, Matthew; Vergara Garavito, Judith Cecilia
To achieve financial and social stability is an indispensable goal for the agendas of all countries. Governments must administrate resources in an optimal and conscience way to achieve prosperity for their population. For that reason, an important factor to achieve this objective is the education of the population and financial competencies, indicators that permit taking adequate decisions, with higher financial literacy it allows people to save, make investments that impact their country in a positive manner, create organizations that generate employment, investment, opportunities, innovation, etc. The objective of this study is to determine if there is a statistical relationship between financial literacy and control variables with prosperity, which will be measured by GDP (gross domestic product) per capita. The methodology to analyze this relationship is with a multiple regression and a sample of 133 countries. The results show that effectively there is a significant relationship between these variables.
Las finanzas personales, un concepto que va más allá de su estructura. Estado del arte período 2006-2016
(Universidad EAFIT, 2016) López García, Juan Carlos; Cruz Trejos, Eduardo Arturo; Uribe Ochoa, Beatriz Amparo
El presente estudio investigativo documental sobre finanzas personales, estado del arte, pretende realizar una revisión de la literatura de los 10 últimos años, buscando establecer las tendencias y los diferentes puntos de vista acerca del tema, haciendo énfasis en el concepto de finanzas personales como determinante en la economía del individuo y en general de la sociedad, haciendo hincapié en los tópicos principales relacionados con la gestión de la economía del individuo como son el presupuesto, el ahorro, la inversión, el gasto, los impuestos, la jubilación, y en la importancia de la educación financiera como pilar del desarrollo personal y su relación con el entorno así como también se exploran las consecuencias de la incultura financiera que es ahora preocupación a nivel mundial -- Se contrasta el concepto de finanzas personales con las finanzas corporativas y se habla del porqué del resurgimiento de las finanzas personales -- Concluyéndose que la implementación de este tema en los currículos en los diferentes niveles desde la educación básica hasta la educación superior es determinante no solo para brindar las herramientas necesarias para lograr la adecuada toma de decisiones y el crecimiento de la economía personal, sino también como estrategia general para prevenir la aparición de nuevas crisis económicas -- Además se enfatiza en la relación de estas crisis con la falta de conocimientos generalizados a la hora de tomar decisiones financieras
Mindspace y ahorro : estrategias comportamentales para el futuro financiero de los jóvenes
(Universidad EAFIT, 2024) Gómez Mejía, Hilmer; Echeverri Echeverri, Estefanía; Valencia Aguilar, Mateo; Jaramillo Gaviria, Ana Maria
The objective of the present study was to promote saving behavior among tenth-grade students of an Educational Institution in the Municipality of Copacabana, Antioquia. Through the creation of saving goals and the control of expenses, the aim was to develop greater financial literacy that would enable an increase in saving actions among the students. A quasi-experimental study with pre-test and post-test measurement and a non-probabilistic convenience sample of a single group was conducted. Four presential sessions were held, during which various behavioral techniques based on the components of the MINDSPACE model (Messenger, Incentive, Norm, Default, Salience, Priming, Affect, Commitment, Ego) were addressed. The results showed an increase in students' saving behavior, from 47.8% to 63%. The variable measuring the amount of savings reported a lower overall average in the post-test compared to the pre-test. Additionally, 23.9% experienced a positive change related to expense control. It can be concluded that the behavioral strategies used in the intervention process successfully promoted saving behavior and expense control among the students.
Modelo de educación financiera para la gestión de las finanzas familiares de Risaralda, Colombia
(Universidad EAFIT, 2023) Pinzón Daza, Juan Felipe; González Londoño, Miguel; Durango Gutiérrez, María Patricia
The proper use of resources within a family group has a direct impact on their quality of life, savings and investment opportunities, and even ensuring future maintenance. This is a matter that requires knowledge to make appropriate decisions regarding the allocation of their resources. In this work, the objective was to structure a financial education model for managing family finances in Risaralda (Colombia). To achieve this, a quantitative approach was used, and an instrument was applied to gather information about the management of resources within Risaralda families, whose variables included financial education measured through variables such as family indebtedness, savings capacity, and income. The results allowed to identify that the target population needs knowledge to effectively manage their finances and safeguard their family assets. From there, a financial education model is proposed as an alternative for managing family resources.

Examinando por Materia "FINANZAS PERSONALES"

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