Percepciones y habilidades financieras en estudiantes universitarios

Abstract

The present research study analyzes financial perceptions and skills in a group of 307 undergraduate students from a public higher education institution located in the city of Ocaña (Colombia). The approach is quantitative, non-experimental, cross-sectional, and descriptive and is framed within an analytical empirical paradigm. A 33 question Likert-type questionnaire is applied and divided in three dimensions: 1) sociodemographic data, 2) perceptions, and 3) skills-usage. Collected data are analyzed by descriptive statistics. The results show that students have favorable perceptions and attitudes towards financial issues, although weaknesses are evident in the dimensions related to financial skills-usage. It is concluded that there are limitations on financial literacy know-how and that there is a need for developing specific programs that focus on competencies.