Publicación: Evaluación del grado de educación económica y financiera de los estudiantes de la sede Bogotá UCC para implementar estrategias que conduzcan a la toma de decisiones financieras
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In the global context, economic and financial education is not a new issue since financial inclusion practices have been in place for several decades. In accordance with the organic and ordinary laws established in Colombia, the responsibility of public and private entities to promote economic and financial education to all citizens is established. In this process, educational institutions have a preponderant role in the implementation of financial education programs aimed at reducing the levels of financial illiteracy that Colombia currently has and improving the quality of life of the population. The general objective of this research evaluates the degree of economic and financial education of students at the Bogotá UCC in order to implement strategies that lead to financial decision-making. The research proposes a mixed methodological design whose purpose is to collect and analyze the factors and characteristics that influence students' economic and financial practices. To this end, a series of variables are contrasted through a regression model in the SPSS statistical program. As part of the specific objectives, trends and programs implemented by educational institutions to promote economic and financial education were identified; based on alliances with financial entities allowing the student to carry out practices in real environments of the financial sector. At the regional and local level, universities run specialized post-graduate finance programs without focusing on financial education from the undergraduate courses. Following the context, a survey was carried out among 1374 students belonging to all the undergraduate programs at the UCC in Bogotá, where a descriptive analysis was made of the factors that influence the low levels of economic and financial education in variables of the following types: family, work, socioeconomic and academic. On the other hand, by means of the statistical program SPSS a regression model was carried out, where the relationship between the independent variables mentioned above with the dependent variable was examined. As a result of the research, it is evident that the students participating in the survey have a low degree of financial education, given that 69% of the respondents say they have not received training in financial education. Likewise, 92% of the respondents do not earn more than two SMMLV, committing their resources to personal and household payments, which limits their income and requires them to resort to using credit cards as a result of not planning their finances. For this reason, recommendations are made to the UCC to promote, integrate and strengthen undergraduate curricula in economic and financial education.