Determinantes de la alfabetización financiera de los empleadores en México

Abstract

Determinants of Employer Financial Literacy in Mexico The objective of the research was to measure the financial literacy index (FAI) of the participants and determine the factors that influence it based on data from the 2021 National Financial Inclusion Survey. To measure the index, the OECD methodology was used (2015) and adapted by the CNBV (2019). To analyze the determining factors, a generalized linear model was used with complex samples using SPSS version 26 software. People with business activity obtained an index of 63.6 on a scale from 0 to 100, 5 points above the general population in Mexico (58.6). The variables sex, education, access to financial education and trust in the system were significant. It is recommended in future studies to report whether there are differences between obstacles by company size. The originality lies in having used a nationally representative sample with advantages as a target population. Financial education should especially serve the youngest, with a lower educational level and without access to financial information to improve their behavior according to the regression analysis.

Keywords

• alfabetización financiera, educación financiera, conocimientos financieros, comportamiento financiero, modelo lineal generalizado