Incidencia de la Cultura Financiera en los habitantes de la parroquia Roberto Astudillo del cantón Milagro. Diseño de un Programa de Alfabetización Financiera que mejore la administración de las finanzas familiares.

Abstract

The objective of the research was to analyze the impact of financial culture on the family economy of the inhabitants of the Roberto Astudillo parish in Milagro city and the Design of a Financial Literacy Program that improves the administration of family finances. The methodology that was used consisted of applying surveys to the inhabitants of the parish to later make a descriptive and correlational analysis of the results. Among the main results obtained, the scarcity of savings in the population stands out, only 18% save; the impossibility of covering unforeseen expenses, just 14% is able to cover them, the little control of expenses, 30% does and the minimum financial planning, almost 70% do not make any kind of plan. The correlation analysis shows that there is a moderate relationship of 0,30 between financial education and the family economy. The main conclusion of the research, given the results found, is that there is a relationship between the variables of financial culture and family economy and that, therefore, the carrying out of a financial literacy program in the Roberto Astudillo parish is justified. be oriented to practical aspects of knowledge and to the generation of good financial habits.