Alfabetización Financiera en Universitarios Mexicanos: un Instrumento para su Medición en el Entorno de la Complejidad

• George-Reyes, Carlos Enrique ^[1] ; Ramírez-Montoya, María Soledad ^[1] ; Patiño-Zuñiga, Irma Azeneth ^[1] ; López-Caudana, Edgar Omar ^[1]
  1. [1] Instituto Tecnológico y de Estudios Superiores de Monterrey

     Instituto Tecnológico y de Estudios Superiores de Monterrey

     México

     
• Localización: REMIE: Multidisciplinary Journal of Educational Research, ISSN-e 2014-2862, Vol. 14, Nº. 2, 2024 (Ejemplar dedicado a: Junio), págs. 134-157
• Idioma: español
• DOI: 10.17583/remie.11563
• Títulos paralelos:
  • Financial Literacy in Mexican University Students: an Instrument for its Measurement in the Environment of Complexity
• Enlaces
  • Texto completo (pdf)
• Resumen
  • español

    La alfabetización financiera es una habilidad que deben desarrollar los estudiantes para poder cultivar su bienestar económico a mediano y largo plazo. En este trabajo se presenta el diseño, construcción y validación de una escala de medición de la alfabetización desde la imbricación del pensamiento complejo con las alfabetizaciones de conocimiento, comportamiento y actitud financiera. Se analizó la validez de contenido a partir del juicio de 13 expertos mediante la aplicación del método Delphi Digital Simplificado y se realizó un estudio de confiabilidad considerando a 112 estudiantes universitarios. Los resultados muestran una consistencia interna sólida debido a que los ítems obtuvieron un alfa de Cronbach mayor a 0.8, así como correlaciones positivas entre las dimensiones que lo conforman. Por tanto, es un instrumento válido y fiable que permite comprobar los conocimientos, comportamientos y las actitudes financieras. Se sugiere que los estudios futuros podrían incorporar variables relacionadas con el uso de las aplicaciones digitales financieras.

  • English

    Financial literacy is a skill that students must develop in order to cultivate their economic well-being in the medium and long term. This paper presents the design, construction and validation of a literacy measurement scale from the imbrication of complex thinking with the literacies of financial knowledge, behavior and attitude. Content validity was analyzed from the judgment of 13 experts through the application of the Simplified Digital Delphi method and a reliability study was carried out considering 112 university students. The results show a solid internal consistency because the items obtained a Cronbach's alpha greater than 0.8, as well as positive correlations between the dimensions that comprise it. Therefore, it is a valid and reliable instrument that allows the verification of financial knowledge, behaviors, and attitudes. It is suggested that future studies could incorporate variables related to the use of digital financial applications.

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