Educación financiera en los niños: Una evidencia empírica

Abstract

Financial education involves a process that provides tools needed to understand and to interpret the economic world. In this paper, we analyze the determinants of financial education on children in basic education. Using chi square statistical independence tests, we analyze the results of a survey applied to the sixth grade primary school students in 5 public schools in the Metropolitan Area of Guadalajara, Jalisco, Mexico. Our empirical evidence identifies the family as the main influence in the children financial literacy. Saving, bank’s utility and purchasing decisions are keys concepts used by children as a part of the family language. There are significant relations among the living financial experience of children in daily family practices, their willingness to learn, and the creation of financial conscience in order to generate financial competences for the everyday life. According to these results, implementing formal financial education in the school, by a financial teaching-learning process, may promote the understanding of the economic world.

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