El consumo de créditos y su impacto en jóvenes de San Antonio de Prado para el periodo 2024
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Date
2024-11
Authors
Advisors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Monografía
Rights
Acceso Abierto - http://purl.org/coar/access_right/c_abf2
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
La investigación aborda la problemática de los factores que influyen en el hábito de consumo de créditos entre jóvenes de 18 a 25 años en San Antonio de Prado, un corregimiento con características socioeconómicas específicas que afectan el bienestar financiero de esta población. Los jóvenes en esta franja estarían en una etapa de transición económica y social, donde la educación financiera y la gestión de recursos son claves para su estabilidad futura. Sin embargo, el acceso a créditos se ha vuelto común entre ellos, impulsado tanto por factores individuales (como los conocimientos financieros y los patrones de consumo) como por factores contextuales (como la influencia social y las políticas de crédito accesible). El problema radica en cómo estos factores afectan el bienestar financiero de los jóvenes y su capacidad para gestionar su economía en el mediano y largo plazo.
La investigación concluye que el hábito de consumo de créditos en jóvenes de San Antonio de Prado está influenciado principalmente por una combinación de factores individuales (como el bajo conocimiento financiero) y contextuales (como la presión social y la oferta de créditos fáciles). Estos factores impactan negativamente en el bienestar financiero, llevándolos a una dependencia crediticia que compromete su estabilidad económica futura. Se recomienda implementar programas educativos que fortalezcan la educación financiera desde una edad temprana y políticas que regulen el acceso a créditos en poblaciones vulnerables.
The research addresses the problem of the factors that influence credit consumption habits among young people between 18 and 25 years of age in San Antonio de Prado, a township with specific socioeconomic characteristics that affect the financial wellbeing of this population. Young people in this age group are in a stage of economic and social transition, where financial education and resource management are key to their future stability. However, access to credit has become common among them, driven by both individual factors (such as financial literacy and consumption patterns) and contextual factors (such as social influence and accessible credit policies). The problem lies in how these factors affect young people's financial well-being and their ability to manage their finances in the medium and long term. The research concludes that the credit consumption habit of young people in San Antonio de Prado is mainly influenced by a combination of individual factors (such as low financial knowledge) and contextual factors (such as social pressure and the supply of easy credit). These factors negatively impact financial well-being, leading to a credit dependency that compromises their future economic stability. It is recommended to implement educational programs that strengthen financial education from an early age and policies that regulate access to credit in vulnerable populations.
The research addresses the problem of the factors that influence credit consumption habits among young people between 18 and 25 years of age in San Antonio de Prado, a township with specific socioeconomic characteristics that affect the financial wellbeing of this population. Young people in this age group are in a stage of economic and social transition, where financial education and resource management are key to their future stability. However, access to credit has become common among them, driven by both individual factors (such as financial literacy and consumption patterns) and contextual factors (such as social influence and accessible credit policies). The problem lies in how these factors affect young people's financial well-being and their ability to manage their finances in the medium and long term. The research concludes that the credit consumption habit of young people in San Antonio de Prado is mainly influenced by a combination of individual factors (such as low financial knowledge) and contextual factors (such as social pressure and the supply of easy credit). These factors negatively impact financial well-being, leading to a credit dependency that compromises their future economic stability. It is recommended to implement educational programs that strengthen financial education from an early age and policies that regulate access to credit in vulnerable populations.
Description
Investigar los factores que influyen en el hábito de consumo de tarjetas de crédito y acceso a créditos en jóvenes del corregimiento de San Antonio de Prado entre los 18 y 25 años, mediante un análisis exhaustivo de variables individuales y contextuales para comprender como impactan su bienestar financiero y generan propuestas de mejora en educación financiera.
Keywords
Acceso a créditos, Bienestar financiero, Cultura financiera en jóvenes, Educación financiera, San Antonio de Prado, Access to credit, Financial wellbeing, Financial culture among young people, Financial education, San Antonio de Prado.