Vol. 15 Núm. 2 (2024): REVISTA AGLALA
Artículos Cientificos

Programas de educación financiera en la educación superior: un análisis de la literatura en Scopus

Emanuel José Maldonado
Editorial AG Editor
Verenice Sánchez Castillo
Universidad de la Amazonia
Yasniel Sánchez Suárez
Universidad de Matanzas

Publicado 2024-10-22

Palabras clave

  • Educación financiera,
  • Educación Superior,
  • Innovación pedagógica,
  • Programas educativos

Cómo citar

Maldonado, E. J., Sánchez Castillo, V., & Sánchez Suárez, Y. (2024). Programas de educación financiera en la educación superior: un análisis de la literatura en Scopus. Aglala, 15(2), 34–48. Recuperado a partir de https://revistas.uninunez.edu.co/index.php/aglala/article/view/2490

Resumen

El presente artículo analiza las tendencias actuales en la implementación de programas de educación financiera en la educación superior, a través de una revisión documental en la base de datos Scopus. La educación financiera se ha vuelto un componente esencial en la formación universitaria, dado el entorno financiero global cada vez más complejo. Este estudio identifica los principales retos que enfrentan las instituciones educativas, como la necesidad de adaptar los programas a una población estudiantil diversa y superar limitaciones presupuestarias. Además, se destacan las innovaciones pedagógicas, incluyendo el uso de tecnologías digitales para mejorar la enseñanza y el aprendizaje de conceptos financieros. Los resultados del análisis subrayan la importancia de un enfoque inclusivo y basado en evidencias para garantizar la efectividad de estos programas, que no solo buscan impartir conocimientos teóricos, sino también desarrollar habilidades prácticas aplicables en la vida cotidiana y profesional de los estudiantes. El artículo concluye con recomendaciones para mejorar la implementación y efectividad de los programas de educación financiera en la educación superior.

Descargas

Los datos de descargas todavía no están disponibles.

Citas

  1. Aguado, F., de la Vega, J. J., López, J. M., Padilla, N., & Rabadán, I. (2023). Evaluation of non-financial information and its contribution to advancing the sustainable development goals within the Spanish banking sector. European Research on Management and Business Economics, 29(1), 100211. https://doi.org/10.1016/j.iedeen.2022.100211
  2. Álvarez Contreras, D. E., Montes Padilla, J. D., & Osorio Martínez, C. D. (2023). Habilidades gerenciales como factor de competitividad empresarial. Región Científica, 2(2), 2023109. https://doi.org/10.58763/rc2023109
  3. Amagir, A., van den Brink, H. M., Groot, W., & Wilschut, A. (2022). SaveWise: The impact of a real-life financial education program for ninth grade students in the Netherlands. Journal of Behavioral and Experimental Finance, 33, 100605. https://doi.org/10.1016/j.jbef.2021.100605
  4. Asmare, F., Giedraitis, V., Jaraitė, J., & Kažukauskas, A. (2023). Energy-related financial literacy and retrofits of Soviet-era apartment buildings: The case of Lithuania. Energy Economics, 120, 106583. /https://doi.org/10.1016/j.eneco.2023.106583
  5. Barthel, A.-C., & Lei, S. (2021). Investment in financial literacy and financial advice-seeking: Substitutes or complements? The Quarterly Review of Economics and Finance, 81, 385-396. https://doi.org/10.1016/j.qref.2021.06.020
  6. Billari, F. C., Favero, C. A., & Saita, F. (2023). Online financial and demographic education for workers: Experimental evidence from an Italian Pension Fund. Journal of Banking & Finance, 151, 106849. https://doi.org/10.1016/j.jbankfin.2023.106849
  7. Blanco, L. R., Hernandez, I., Thames, A. D., Chen, L., & Serido, J. (2023). Mind your money: A community-based digital intervention for improving financial capability among Hispanics. Journal of Economic Behavior & Organization, 212, 629-643. https://doi.org/10.1016/j.jebo.2023.05.030
  8. Bongini, P., Cucinelli, D., & Soana, M. G. (2023). Insurance holdings: Does individual insurance literacy matter? Finance Research Letters, 58, 104511. https://doi.org/10.1016/j.frl.2023.104511
  9. Bouaamri, A., Otike, F., Hajdu Barát, Á., & Kiszl, P. (2023). Incorporating business courses into LIS programs in Hungary: An examination of ALA-accredited programs. Heliyon, 9(5), e15676. https://doi.org/10.1016/j.heliyon.2023.e15676
  10. Brooks, C., & Williams, L. (2021). The impact of personality traits on attitude to financial risk. Research in International Business and Finance, 58, 101501. https://doi.org/10.1016/j.ribaf.2021.101501
  11. Cannistrà, M., De Beckker, K., Agasisti, T., Amagir, A., Põder, K., Vartiak, L., & De Witte, K. (2024). The impact of an online game-based financial education course: Multi-country experimental evidence. Journal of Comparative Economics. https://doi.org/10.1016/j.jce.2024.08.001
  12. Chen, F., Yu, D., & Sun, Z. (2023). Investigating the associations of consumer financial knowledge and financial behaviors of credit card use. Heliyon, 9(1), e12713. https://doi.org/10.1016/j.heliyon.2022.e12713
  13. Choung, Y., Chatterjee, S., & Pak, T.-Y. (2023). Digital financial literacy and financial well-being. Finance Research Letters, 58, 104438. https://doi.org/10.1016/j.frl.2023.104438
  14. Cossa, A., Madaleno, M., & Mota, J. (2022). Financial literacy environment scan in Mozambique. Asia Pacific Management Review, 27(4), 229-244. https://doi.org/10.1016/j.apmrv.2021.09.004
  15. Damra, Y., Yasin, S., & Albaity, M. (2023). “Trust but verify” financial inclusion in the MENA region. Borsa Istanbul Review, 23(6), 1430-1447. https://doi.org/10.1016/j.bir.2023.09.008
  16. Dash, A., & Mohanta, G. (2024). Fostering financial inclusion for attaining sustainable goals: What contributes more to the inclusive financial behaviour of rural households in India? Journal of Cleaner Production, 449, 141731. https://doi.org/10.1016/j.jclepro.2024.141731
  17. Dibb, S., Merendino, A., Aslam, H., Appleyard, L., & Brambley, W. (2021). Whose rationality? Muddling through the messy emotional reality of financial decision-making. Journal of Business Research, 131, 826-838. https://doi.org/10.1016/j.jbusres.2020.10.041
  18. Dragos, C. M., Dragos, S. L., Mare, C., Muresan, G. M., & Purcel, A.-A. (2023). Does risk assessment and specific knowledge impact crop insurance underwriting? Evidence from Romanian farmers. Economic Analysis and Policy, 79, 343-358. https://doi.org/10.1016/j.eap.2023.06.025
  19. Du, W., & Chen, M. (2023). Too much or less? The effect of financial literacy on resident fraud victimization. Computers in Human Behavior, 148, 107914. https://doi.org/10.1016/j.chb.2023.107914
  20. Elouaourti, Z., & Ibourk, A. (2024). Financial Technologies for All MENA citizens: Tackling barriers and promoting inclusion. Regional Science Policy & Practice, 16(6), 100019. https://doi.org/10.1016/j.rspp.2024.100019
  21. Fang, X., & Chiu, T. K. F. (2024). Enhancing business education through video: A conceptual model and research directions based on a systematic review. The International Journal of Management Education, 22(2), 100959. https://doi.org/10.1016/j.ijme.2024.100959
  22. Fernández, M., Román, D., Jurado, A. A. Limón, D. & Torres, C. (2024). Artificial Intelligence in Latin American Universities: Emerging Challenges. Computación y Sistemas, 28(2), 435–450. https://doi.org/10.13053/CyS-28-2-4822
  23. Ferraro, O., Cristiano, E., & Veltri, S. (2024). The quality of voluntary sustainability reports in the Italian cooperative credit banks. Journal of Co-operative Organization and Management, 12(1), 100230. https://doi.org/10.1016/j.jcom.2024.100230
  24. Goddard, J., McKillop, D. G., & Wilson, J. O. S. (2023). Who consumes the credit union subsidies? Journal of Financial Stability, 69, 101176. https://doi.org/10.1016/j.jfs.2023.101176
  25. Gómez Miranda, O. M. (2023). Factores institucionales que impactan en la actividad emprendedora de los estudiantes universitarios. Región Científica, 2(1), 202327. https://doi.org/10.58763/rc202327
  26. Gómez, C. A., & Sánchez, V. (2023). Estrategias para el fortalecimiento del Programa de Administración en la Universidad de la Amazonia. Estrategia y Gestión Universitaria, 11(2), 1-14. https://zenodo.org/records/8145076
  27. Gómez, C. A., Sánchez, V. & Millán, E. E. (2023). Strategy for improving learning in the Financial Tools and Project Management Course through the use of Second Life-SL. Metaverse Basic and Applied Research. 2(31). https://doi.org/10.56294/mr202331
  28. Gómez, C. A., Sánchez, V., & Santana, Y. (2023). Factores que inciden en la procrastinación académica de los estudiantes de educación superior en Colombia. Universidad y Sociedad, 15(4), 421-431. http://scielo.sld.cu/pdf/rus/v15n4/2218-3620-rus-15-04-421.pdf
  29. Grimes, P. W., Lopus, J. S., & Amidjono, D. S. (2022). Financial life-skills training and labor market outcomes in Indonesia. International Review of Economics Education, 41, 100255. https://doi.org/10.1016/j.iree.2022.100255
  30. Hidrobo, M., Kosec, K., Gartaula, H. N., Van Campenhout, B., & Carrillo, L. (2024). Making complementary agricultural resources, technologies, and services more gender-responsive. Global Food Security, 42, 100778. https://doi.org/10.1016/j.gfs.2024.100778
  31. Hornuf, L., Safari, K., & Voshaar, J. (2024). Mobile Fintech Adoption in Sub-Saharan Africa: A Systematic Literature Review and Meta-Analysis. Research in International Business and Finance, 102529. https://doi.org/10.1016/j.ribaf.2024.102529
  32. Hua, X., Bi, J., & Shi, H. (2023). The appropriate level of financial inclusion: The perspective of financial stability. China Economic Quarterly International, 3(3), 167-178. https://doi.org/10.1016/j.ceqi.2023.08.001
  33. Hurwitz, A., Mitchell, O. S., & Sade, O. (2022). Testing methods to enhance longevity awareness. Journal of Economic Behavior & Organization, 204, 466-475. https://doi.org/10.1016/j.jebo.2022.10.014
  34. Isler, O., Rojas, A., & Dulleck, U. (2022). Easy to shove, difficult to show: Effect of educative and default nudges on financial self-management. Journal of Behavioral and Experimental Finance, 34, 100639. https://doi.org/10.1016/j.jbef.2022.100639
  35. Khan, M. S., Azad, I., Moosa, S., & Javed, M. Y. (2024). Do we really need financial literacy to access the behavioral dynamics of generation Z? A case of Oman. Heliyon, 10(13), e32739. https://doi.org/10.1016/j.heliyon.2024.e32739
  36. Kondratjeva, O., Roll, S. P., Bufe, S., & Grinstein-Weiss, M. (2021). Using financial tips to guide debt repayment: Experimental evidence from low- and moderate-income tax filers. Journal of Behavioral and Experimental Economics, 90, 101612. https://doi.org/10.1016/j.socec.2020.101612
  37. Korkmaz, A. G., Yin, Z., Yue, P., & Zhou, H. (2021). Does financial literacy alleviate risk attitude and risk behavior inconsistency? International Review of Economics & Finance, 74, 293-310. https://doi.org/10.1016/j.iref.2021.03.002
  38. Lawrence, E. R., Nguyen, T. D., & Wick, B. (2024). Gender difference in overconfidence and household financial literacy. Journal of Banking & Finance, 166, 107237. https://doi.org/10.1016/j.jbankfin.2024.107237
  39. Li, P., Li, Q., & Du, S. (2024). Does digital literacy help residents avoid becoming victims of frauds? Empirical evidence based on a survey of residents in six provinces of east China. International Review of Economics & Finance, 91, 364-377. https://doi.org/10.1016/j.iref.2024.01.056
  40. Liu, C.-H., Horng, J.-S., Chou, S.-F., Yu, T.-Y., Huang, Y.-C., Ng, Y.-L., & La, Q. P. (2024). Explore links among marketing knowledge, data literacy, skill improvement, and learning attitude in STEAM application for hospitality and tourism education. The International Journal of Management Education, 22(1), 100919. https://doi.org/10.1016/j.ijme.2023.100919
  41. Long, T., Bu, K., Du, P., & Wang, Z. (2024). Can educational investment mitigate the impact of aging on household leverage ratio? International Review of Economics & Finance, 89, 1335-1347. https://doi.org/10.1016/j.iref.2023.09.001
  42. Lu, Z., Li, H., & Wu, J. (2024). Exploring the impact of financial literacy on predicting credit default among farmers: An analysis using a hybrid machine learning model. Borsa Istanbul Review, 24(2), 352-362. https://doi.org/10.1016/j.bir.2024.01.006
  43. Niţoi, M., & Pochea, M.-M. (2024). Trust in the central bank, financial literacy, and personal beliefs. Journal of International Money and Finance, 143, 103066. https://doi.org/10.1016/j.jimonfin.2024.103066
  44. Noviarini, J., Coleman, A., Roberts, H., & Whiting, R. H. (2023). Financial literacy and retirees' resource allocation decisions in New Zealand. Pacific-Basin Finance Journal, 79, 101985. https://doi.org/10.1016/j.pacfin.2023.101985
  45. Oberrauch, L., & Kaiser, T. (2024). Financial Education or Incentivizing Learning-By-Doing? Evidence from an RCT with Undergraduate Students. Journal of Behavioral and Experimental Finance, 43, 100954. https://doi.org/10.1016/j.jbef.2024.100954
  46. Pranajaya, E., Alexandri, M. B., Chan, A., & Hermanto, B. (2024). Examining the influence of financial inclusion on investment decision: A bibliometric review. Heliyon, 10(3), e25779. https://doi.org/10.1016/j.heliyon.2024.e25779
  47. Quintero Rivera, J. J. (2024). Innovación académica para el fortalecimiento de los programas de Contaduría Pública en Colombia. Región Científica, 3(1), 2024211. https://doi.org/10.58763/rc2024211
  48. Radey, M., Boel-Studt, S., & Collins, C. J. (2023). “Taking it day by day”: Maternity group homes in the lives of mothers aging out of foster care. Children and Youth Services Review, 155, 107293. https://doi.org/10.1016/j.childyouth.2023.107293
  49. Ripoll Rivaldo, M. (2023). El emprendimiento social universitario como estrategia de desarrollo en personas, comunidades y territorios. Región Científica, 2(2), 202379. https://doi.org/10.58763/rc202379
  50. Rodriguez, S., & Martinez, N. (2022). Game, guide or website for financial education improvement: Evidence from an experiment in Colombian schools. Journal of Behavioral and Experimental Finance, 33, 100606. https://doi.org/10.1016/j.jbef.2021.100606
  51. Roman, D., Caira, N., Rodríguez, E. & Pérez, A. J. (2023). Effective leadership and communication strategies in disadvantaged contexts in the digital age. Salud, Ciencia Y Tecnología - Serie De Conferencias, 2, 532. https://doi.org/10.56294/sctconf2023532
  52. Sato, S., Kang, T.-A., Daigo, E., Matsuoka, H., & Harada, M. (2021). Graduate employability and higher education’s contributions to human resource development in sport business before and after COVID-19. Journal of Hospitality, Leisure, Sport & Tourism Education, 28, 100306. https://doi.org/10.1016/j.jhlste.2021.100306
  53. Sconti, A., Caserta, M., & Ferrante, L. (2024). Gen Z and financial education: Evidence from a randomized control trial in the South of Italy. Journal of Behavioral and Experimental Economics, 112, 102256. https://doi.org/10.1016/j.socec.2024.102256
  54. Sundarasen, S., Rajagopalan, U., Kanapathy, M., & Kamaludin, K. (2023). Women's financial literacy: A bibliometric study on current research and future directions. Heliyon, 9(12), e21379. https://doi.org/10.1016/j.heliyon.2023.e21379
  55. Tang, N. (2021). Cognitive abilities, self-efficacy, and financial behavior. Journal of Economic Psychology, 87, 102447. https://doi.org/10.1016/j.joep.2021.102447
  56. Tomar, S., Kent Baker, H., Kumar, S., & Hoffmann, A. O. I. (2021). Psychological determinants of retirement financial planning behavior. Journal of Business Research, 133, 432-449. https://doi.org/10.1016/j.jbusres.2021.05.007
  57. Van, H., Ha, G. H., Nguyen, D. N., Doan, A. H., & Phan, H. T. (2022). Understanding financial literacy and associated factors among adult population in a low-middle income country. Heliyon, 8(6), e09638. https://doi.org/10.1016/j.heliyon.2022.e09638
  58. Vargas Ávila, B. S., Villa Celis, D. N., Ortiz Vargas, C. D., Becerra Menjura, K. N., Verdugo Gómez, L. A., & Ramírez Chacón, J. N. (2024). Radio educación financiera en zonas rurales de Colombia. Región Científica, 3(1), 2024207. https://doi.org/10.58763/rc2024207
  59. Ventre, V., Martino, R., & Muñoz Torrecillas, M. J. (2024). Relationship between an inconsistent degree of financial literacy and inconsistent decision-making in intertemporal choices. Heliyon, 10(5), e27253. https://doi.org/10.1016/j.heliyon.2024.e27253
  60. Yordudom, T., Imjai, N., Usman, B., & Aujirapongpan, S. (2024). Unveiling the impact of social skills and financial literacy on internship performance: Insights from Thai generation Z hospitality students. Social Sciences & Humanities Open, 10, 101012. https://doi.org/10.1016/j.ssaho.2024.101012
  61. Zhang, Y., Lu, X., & Xiao, J. J. (2023). Does financial education help to improve the return on stock investment? Evidence from China. Pacific-Basin Finance Journal, 78, 101940. https://doi.org/10.1016/j.pacfin.2023.101940
  62. Zhao, M., Dai, Y., Chen, H., & Li, Z. (2024). Financial literacy among Chinese rural households and its impact on stock-market participation. Borsa Istanbul Review. https://doi.org/10.1016/j.bir.2024.05.011
  63. Zor, U., Esen, A., Canbulut, M., Karaca, N., Karakaya, G., & Turker, I. (2024). A systems approach to understanding the interconnected factors affecting rural development: A case study from Türkiye. World Development Perspectives, 34, 100588. https://doi.org/10.1016/j.wdp.2024.100588