Educación financiera y economía familiar en las familias de 4to grado del I.E. 11522 Miguel Grau de Pucalá – 2022

Abstract

El presente trabajo de investigación tuvo como objetivo vincular los términos de educación financiera y economía familiar, aplicados en las familias de 4to grado de la I.E. 11522 Miguel Grau de Pucalá en el año 2022. La indagación fue de enfoque cuantitativo, de tipo descriptivo, nivel correlacional y diseño no experimental transversal, cuya información fue recolectada a través de encuestas. Se determinaron los desafíos en el acceso a servicios y conocimientos financieros. A pesar de la presencia de instituciones financieras, el acceso a cajeros y servicios electrónicos fue limitado, y la desconfianza en las altas comisiones impidió que la mayoría tuviera cuentas bancarias. Aunque muchas familias realizaban presupuestos y poseían un conocimiento financiero medio, preocupaban la falta de un presupuesto establecido, el bajo conocimiento financiero y la ausencia de ahorro para emergencias. Se hallaron correlaciones positivas entre el conocimiento financiero y la elaboración de presupuestos, el entendimiento de tasas de interés, y las prioridades de inversión en educación y tecnología. Sin embargo, no se encontraron correlaciones claras entre el conocimiento financiero y el ahorro en bancos o la presencia de negocios familiares. Se concluyó que era necesario mejorar el acceso, la educación financiera y la confianza en los servicios financieros en el distrito de Pucalá.

The present research aimed to link the concepts of financial education and family economics, applied to the families of 4th-grade students at I.E. 11522 Miguel Grau in Pucalá during the year 2022. The investigation had a quantitative approach, was descriptive in type, correlational in level, and employed a non-experimental cross-sectional design. Data were collected through surveys. Challenges in accessing financial services and knowledge were identified. Despite the presence of financial institutions, access to ATMs and electronic services was limited, and distrust in high fees prevented most families from having bank accounts. Although many families prepared budgets and had an average level of financial knowledge, concerns included the lack of an established budget, low financial literacy, and the absence of emergency savings. Positive correlations were found between financial knowledge and budgeting, understanding of interest rates, and investment priorities in education and technology. However, no clear correlations were found between financial knowledge and savings in banks or the presence of family businesses. It was concluded that there is a need to improve access, financial education, and trust in financial services in the district of Pucalá.

The present research aimed to link the concepts of financial education and family economics, applied to the families of 4th-grade students at I.E. 11522 Miguel Grau in Pucalá during the year 2022. The investigation had a quantitative approach, was descriptive in type, correlational in level, and employed a non-experimental cross-sectional design. Data were collected through surveys. Challenges in accessing financial services and knowledge were identified. Despite the presence of financial institutions, access to ATMs and electronic services was limited, and distrust in high fees prevented most families from having bank accounts. Although many families prepared budgets and had an average level of financial knowledge, concerns included the lack of an established budget, low financial literacy, and the absence of emergency savings. Positive correlations were found between financial knowledge and budgeting, understanding of interest rates, and investment priorities in education and technology. However, no clear correlations were found between financial knowledge and savings in banks or the presence of family businesses. It was concluded that there is a need to improve access, financial education, and trust in financial services in the district of Pucalá.