Recursos financieros como mediadores de la relación actitud–conducta de ahorro en universitarias peruanas

Vilma Stefany Cordova Arenas, María del Sol Castillo Loyola, María del Sol Castillo Loyola, Kerwin José Chávez Vera, Kerwin José Chávez Vera

Resumen


Introducción: El acceso a recursos informativos sobre educación financiera desempeña actualmente un rol esencial en la formación de hábitos de ahorro, enmarcándose en la Teoría del Comportamiento Planificado. Objetivo: Este estudio se propone a evaluar el impacto del acceso a recursos financieros y la educación financiera en la conducta de ahorro de mujeres universitarias en Lima, Perú. Métodos: Se trabajó con una muestra representativa de 512 estudiantes de una universidad privada, bajo un enfoque cuantitativo no experimental y transversal, empleando Modelos de Ecuaciones Estructurales Parciales (PLS-SEM). Resultados: Se evidenciaron relaciones significativas entre el acceso a recursos financieros, el comportamiento de ahorro y la capacidad de gestión financiera. Se demostró que la educación financiera, por sí sola, no garantiza un comportamiento positivo hacia el ahorro, por el contrario requiere la disponibilidad de recursos financieros y actitudes favorables hacia la gestión económica. Conclusiones: Estos hallazgos refuerzan la necesidad de implementar programas de educación financiera diseñados específicamente para mujeres universitarias, que además de transmitir conocimientos, fortalezcan competencias prácticas y promuevan una cultura de ahorro sostenible con impacto directo en su bienestar financiero personal y futuro profesional.

 


Palabras clave


ahorro; mujeres universitarias; comportamiento planificado.

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Referencias


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