Educación Financiera Y El Fortalecimiento De La Confianza Institucional En El Marco Normativo Ecuatoriano
DOI:
https://doi.org/10.58210/ri3699Palavras-chave:
educación financiera, nivel socioeconómico, marco normativo financiero, SEM-PLS, economía emergenteResumo
Este estudio examinó el impacto de la educación financiera y el nivel socioeconómico (NSE) en la percepción del marco normativo financiero en la clase media de Guayaquil, Ecuador. Se adoptó un enfoque cuantitativo, no experimental y transversal, con una muestra de 123 participantes seleccionados por conveniencia. Los datos se recolectaron mediante un cuestionario validado de 15 ítems en escala Likert y se analizaron a través de modelos de ecuaciones estructurales por mínimos cuadrados parciales (SEM-PLS). Los resultados evidenciaron que la educación financiera ejerce un efecto positivo y significativo en la percepción del marco normativo, explicando el 54.8% de su variabilidad. En contraste, el NSE presentó un efecto negativo, lo que refleja cómo las desigualdades socioeconómicas limitan la confianza en las regulaciones. La interacción entre ambas variables no resultó significativa (p = 0.490), lo que sugiere que la educación financiera mantiene un efecto directo independientemente del nivel socioeconómico. Estos hallazgos resaltan la importancia de implementar programas de educación financiera accesibles y sostenibles, capaces de fortalecer la confianza en las instituciones y promover la inclusión económica. Se recomienda que futuras investigaciones utilicen muestras más amplias y diseños longitudinales para evaluar el impacto de estas variables en diferentes contextos sociales y territoriales.
Referências
Antoniuk, L., Kalenyuk, I., Tsyrkun, O., & Sandul, M. (2019). Rankings in the higher education competitiveness management system. *Problems and Perspectives in Management, 17*(4), 325–339. https://doi.org/10.21511/ppm.17(4).2019.28
Avcı, S., Demir, D., Candır, A., & Güven, E. (2024). Contribution of the social and financial leadership education program to students and teachers. *Interchange, 54*(3), 401–423. https://doi.org/10.1007/s10780-023-09496-6
Buratti, G., & D'Ignazio, A. (2025). Improving the effectiveness of financial education programs: A targeting approach. *Journal of Consumer Affairs*. Advance online publication. https://doi.org/10.1111/joca.12577
Charnock, R. J. (2025). Civil society as a quasi-regulator: Coordination in financial regulation on climate change. *Contemporary Accounting Research*. Advance online publication. https://doi.org/10.1111/1911-3846.13012
Clark, R. L., Lin, C., Lusardi, A., Mitchell, O. S., & Sticha, A. (2025). Evaluating the effects of a low-cost, online financial education program. *Journal of Economic Behavior and Organization*. Advance online publication. https://doi.org/10.1016/j.jebo.2025.106952
Coda Moscarola, F., & Kalwij, A. (2021). The effectiveness of a formal financial education program at primary schools and the role of informal financial education. *Evaluation Review, 45*(3-4), 107–133. https://doi.org/10.1177/0193841X211042515
Dýrfjörð, K. D. K., Magnúsdóttir, B. R., & Bjarnadóttir, V. S. (2024). Principals’ financial and pedagogical challenges when choosing programs and educational materials: The scope of the private education industry for preschools. *Education Inquiry*. Advance online publication. https://doi.org/10.1080/20004508.2023.2291887
Falconier, M. K., Foss, R., Lachowicz, M. J., & Kim, J. (2023). Evaluation of the 14-h together relationship and financial education program for couples. *Personal Relationships, 30*(2), 660–680. https://doi.org/10.1111/pere.12466
Falconier, M. K., Kim, J., & Lachowicz, M. J. (2023). Together–A couples’ program integrating relationship and financial education: A randomized controlled trial. Journal of Social and Personal Relationships, 40*(1), 333–359. https://doi.org/10.1177/02654075221118816
Fernandes, V. (2021). From education to nudge: Behavioral sciences in financial education programs. *Sociologia e Antropologia, 11*(1), 307–322. https://doi.org/10.1590/2238-38752021v11112
Fossatti, A., & Batista, D. (2020). Colaboración universidad - empresa en Panamá: Propuesta para la resolución de problemas en sectores clave de la economía. Revista Venezolana de Gerencia, 25*(92), 1716–1740. https://doi.org/10.52080/rvgluz.25.92.18
Fuji, K. T., White, N. D., Packard, K. A., Kalkowski, J. C., & Walters, R. W. (2024). Effect of a financial education and coaching program for low-income, single mother households on child health outcomes. *Healthcare, 12*(2), Article 127. https://doi.org/10.3390/healthcare12020127
Gaete-Quezada, R. (2023). Retos estratégicos de transformación digital para universidades estatales. Una responsabilidad social universitaria. *Revista de Curriculum y Formación del Profesorado, 27*(2), 1–22. https://doi.org/10.30827/profesorado.v27i2.26772
Gania, G. K., Tadros, M., Fernandez, B., Shokoya, A., & Chow, N. (2023). Perceptions of PGY-2 oncology programs on financial toxicity education and preparedness. *Journal of Oncology Pharmacy Practice, 29*(4), 833–839. https://doi.org/10.1177/10781552221082214
Gonçalves, P., Morais, J., Rodrigues, M., & Dantas, J. (2022). Sustainable development goals in higher education institutions: A systematic literature review. *Journal of Cleaner Production, 370*, Article 133473. https://doi.org/10.1016/j.jclepro.2022.133473
Heaton, S., Teece, D., & Agronin, E. (2019). Dynamic capabilities and governance: An empirical investigation of financial performance of the higher education sector. Strategic Management Journal, 44*(3), 520–548. https://doi.org/10.1002/smj.3425
Henrique, P., & Fernandes, A. (2018). Innovation practices in small technologybased companies during incubation and post-incubation periods. *Innovation & Management Review, 15*(2), 174–188. https://doi.org/10.1108/INMR-02-2018-007
Jonsson, A., Perez, E., & Politis, D. (2023). Initiating and anchoring an academic course on societal collaboration: A story about ‘someotherism’ and a need for reflexivity. *Scandinavian Journal of Public Administration, 27*(1), 1–22. https://doi.org/10.58235/sjpa.v27i1.15822
Karam, L., Flach, L., Marino, A., & Ocampo, R. (2022). Effectiveness and sustainability indicators in higher education management. *Sustainability, 15*(1), Article 298. https://doi.org/10.3390/su15010298
Krutsinger, D. C., Adamson, R., Olson, E. M., Chu, D. C., & Stewart, N. H. (2023). Financial education in U.S. pulmonary and critical care medicine fellowship programs. *ATS Scholar, 4*(2), 233–243. https://doi.org/10.34197/ats-scholar.2023https://doi.org/10.34197/ats-scholar.2023-0005BR0005BR
Linder, S., & Rixen, T. (2025). Explaining institutional change in global financial regulation. *Review of International Political Economy*. Advance online publication. https://doi.org/10.1080/09692290.2025.2489080
Lusardi, A., Michaud, P.-C., & Mitchell, O. S. (2020). Assessing the impact of financial education programs: A quantitative model. *Economics of Education Review, 78*, Article 101899. https://doi.org/10.1016/j.econedurev.2019.05.006
Machuca-Vílchez, J. A., Ramos-Cavero, M., & Cordova-Buiza, F. (2023). Knowledge management in financial education in Peruvian government programs focused on women: Progress and challenges. *Knowledge and Performance Management, 7*(1), 1–14. https://doi.org/10.21511/kpm.07(1).2023.01
Majid, M. (2022). Transformational leadership and personal demographic profile in the education system of India. *Global Business Review, 23*(5), 1154–1174. https://doi.org/10.1177/09721509221085019
Malo-Alain, A. M., & Al Njadat, E. N. (2020). The impact of education quality on the financial and educational sciences programs. *International Journal of Innovation, Creativity and Change, 3*, 394–408.
Marinho, A., Silva, R., & Santos, G. (2020). Why most university-industry partnerships fail to endure and how to create value and gain competitive advantage through collaboration – A systematic review. *Quality Innovation Prosperity, 24*(2), 34–50. https://doi.org/10.12776/qip.v24i2.1434
McPherson, K., Barnard, J., Tenney, M., Dorsey, B., Morrison, K., Kneeland, P., Lin, C.-T., & Moss, M. (2022). Burnout and the role of authentic leadership in academic medicine. *BMC Health Services Research, 22*, Article 627. https://doi.org/10.1186/s12913-022-08034-x
Meirinhos, G., Cardoso, A., Neves, M., Silva, R., & Rêgo, R. (2023). Leadership styles, motivation, communication and reward systems in business performance. *Journal of Risk and Financial Management, 16*(2), Article 70. https://doi.org/10.3390/jrfm16020070
Murillo-Vargas, G., Ico-Brath, D., & Gonzalez-Campo, C. (2023). Análisis de la articulación de los objetivos de desarrollo sostenible en la estrategia de la universidad privada. *Universia, 14*(39), 190–204. https://doi.org/10.52080/rvgluz.14.39.9
Nyoka, S., Kakumura, F., Mutevere, M., Moyo, E., & Dzinamarira, T. (2025). Adapting social and financial education for adolescents in Zimbabwe: A qualitative study of the Aflateen+ program. *Evaluation and Program Planning*. Advance online publication. https://doi.org/10.1016/j.evalprogplan.2025.102591
Ochieng, P., & Hercz, M. (2023). The tenets of distributed pedagogical leadership in educational contexts—A systematic literature review on perception and practice. *Educational Management Administration & Leadership*. Advance online publication. https://doi.org/10.1177/17411432231175350
Rajab, L., Almarabeha, T., Mohammada, H., & Majdalawia, Y. (2023). Strategic evaluation of e-learning: A case study of the university of Jordan during crisis. International Journal of Data and Network Science, 8*, 109–116. https://doi.org/10.5267/j.ijdns.2023.9.011
Seelanatha, S. L., & Natoli, R. (2025). The impact of financial development and regulation on technology gaps and cost efficiency in banks: A cross-country analysis. *Journal of Asia Business Studies, 19*(2), 315–338. https://doi.org/10.1108/JABShttps://doi.org/10.1108/JABS-01-2024-003301-2024-0033
Sepúlveda, H. A. Á. (2023). Financial education for sustainable development: Curricular analysis of a secondary education program in Chile. *Prometeica, 28*, 233–243. https://doi.org/10.34024/prometeica.2023.28.14972
Sharma, S., Arora, K., Chandrashekhar, Akhtar, F., & Mehra, S. (2021). Evaluation of a training program for life skills education and financial literacy to community health workers in India: A quasi-experimental study. *BMC Health Services Research, 21*(1), Article 46. https://doi.org/10.1186/s12913-020-06025-4
Simachev, Y., Fedyunina, A., Yurevich, M., Kuzyk, M., & Gorodny, N. (2021). New strategic approaches to gaining from emerging advanced manufacturing markets. *Foresight and STI Governance, 15*(3), 6–21. https://doi.org/10.17323/2500https://doi.org/10.17323/2500-2597.2021.3.6.212597.2021.3.6.21
Sorge, M. M. (2025). Politics, financial regulation and housing bubbles. *Journal of Real Estate Finance and Economics, 70*(1), 65–91. https://doi.org/10.1007/s11146https://doi.org/10.1007/s11146-023-09972-x023-09972-x
Suknunan, S., & Maharaj, M. (2019). The role of knowledge management in institutional strategy development and competitiveness at leading African universities. *Knowledge and Performance Management, 3*(1), 19–30. https://doi.org/10.21511/kpm.03(1).2019.03
Troyanskaya, M., Tyurina, Y., & Ermakova, E. (2024). Modern information technologies in law education: Teaching innovative principles of taxation of financial assets based on international legal experience. *Education and Information Technologies*. Advance online publication. https://doi.org/10.1007/s10639-024https://doi.org/10.1007/s10639-024-12488-312488-3
Truyo, A. C. (2022). Taxation and education: Basic guidelines for teaching financial and tax law that generates tax awareness. *Revista de Educacion y Derecho*. Advance online publication. https://doi.org/10.1344/REYD2022.26.40671
Truyo, A. C. (2021). Towards a curriculum that strengthens financial education in law degrees. *Revista Pedagogia Universitaria y Didactica del Derecho, 8*(1), 45–67. https://doi.org/10.1344/REYD2022.26.40671
Urmila, M. S., Pillai, R., Mukesh, H. V., & Prabhu, N. (2025). Are employer-initiated financial education programs effective for women? Insights for organizational training programs through stakeholder perceptions. *Industrial and Commercial Training*. Advance online publication. https://doi.org/10.1108/ICT-08-2024-0084
Vanatta, S. H., Hotori, E., & Yago, K. (2025). Introduction to special issue on human capital in financial regulation and supervision. *Management and Organizational History, 20*(1), 1–10. https://doi.org/10.1080/17449359.2024.2446244
Xu, L.-Y., Jiang, J., & Du, J.-G. (2025). How do environmental regulations and financial support for agriculture affect agricultural green development? The mediating role of agricultural infrastructure. *Journal of Environmental Planning and Management, 68*(3), 557–584. https://doi.org/10.1080/09640568.2023.2263637
Xue, Q., Zhan, P., Jin, Y., & He, H. (2024). Reputation, commitment, and financial market regulation. *International Review of Financial Analysis, 96*, Article 103667. https://doi.org/10.1016/j.irfa.2024.103667
Yang, Z., Guo, M., Xiong, T., & Tang, M. (2025). Can financial education programs alleviate household vulnerability to poverty? Evidence from the JinHui financial education project in China. *International Review of Finance*. Advance online publication. https://doi.org/10.1111/irfi.70007
Yuan, B., & Li, J. (2023). Understanding the impact of environmentally specific servant leadership on employees’ pro-environmental behaviors in the workplace: Based on the proactive motivation model. *International Journal of Environmental Research and Public Health, 20*(1), Article 567. https://doi.org/10.3390/ijerph20010567
Yuan, Z., Zhang, S., Wu, S., & Lee, J. H. (2025). The impact of online media on corporate green innovation: The moderating role of financial regulation. *Finance Research Letters, 72*, Article 106526. https://doi.org/10.1016/j.frl.2024.106526
Zhou, Y., Yang, M., & Gan, X. (2023). Education and financial literacy: Evidence from compulsory schooling law in China. *Quarterly Review of Economics and Finance, 89*, 335–346. https://doi.org/10.1016/j.qref.2022.09.006
Zhuang, X., & Duan, L. (2025). Can local financial regulation improve corporate investment efficiency? Evidence from China. *Accounting Research Journal*. Advance online publication. https://doi.org/10.1108/ARJ-06-2024-0221
Publicado
Como Citar
Edição
Seção
Licença
Copyright (c) 2026 Jorge Izaguirre Olmedo, Andrea López Pérez, Mildred Guamán Guapi
Este trabalho está licenciado sob uma licença Creative Commons Attribution 4.0 International License.
Los autores retienen los derechos de autor y otorgan a Revista Inclusiones el derecho de publicación bajo Creative Commons Attribution 4.0 International (CC BY 4.0). Esto permite el uso, distribución y reproducción en cualquier medio, siempre que se otorgue la debida atribución al autor.
