Un análisis comparativo cualitativo difuso de patrones y relaciones en variables financieras

Enfoque de conocimientos y habilidades financieras

Autores/as

DOI:

https://doi.org/10.34024/prometeica.2025.32.19752

Palabras clave:

Conocimientos financieros, Habilidades financieras, Alfabetización financiera, PCA, fsQCA

Resumen

Este estudio analizó comparativamente las variables que moldean el conocimiento y las habilidades financieras mediante el análisis de componentes principales (PCA) y el análisis comparativo cualitativo de conjuntos difusos (fsQCA). Con datos de 1.837 adultos en Bogotá y Cundinamarca, Colombia, identificó factores clave como el valor temporal del dinero, la rentabilidad, regulaciones financieras, tasas de interés, estrategias de ahorro, planificación de la jubilación, seguros, acceso al crédito y oportunidades de inversión. Estas variables son esenciales para mejorar la educación y las capacidades financieras.
El enfoque combinado de PCA y fsQCA reveló patrones significativos y relaciones complejas entre variables, destacando cómo sus combinaciones contribuyen a decisiones y resultados financieros más efectivos. Este marco metodológico proporciona una comprensión integral de los determinantes del conocimiento y habilidades financieras, fundamentando la interacción entre educación financiera y competencias prácticas.
Los hallazgos tienen implicaciones prácticas, sugiriendo el diseño de programas educativos que trasciendan el conocimiento teórico y fortalezcan habilidades reales de gestión financiera. Estos programas pueden promover la independencia financiera y el bienestar económico, respondiendo a las necesidades específicas de diferentes contextos sociales y económicos.

Métricas

Cargando métricas ...

Biografía del autor/a

  • Jheisson Andres Abril Teatin, Universidad Católica de la Santísima Concepción

    PhD student in Administration at the Catholic University of the Holy Conception. Master's degree in Organization Administration from the Pedagogical and Technological University of Colombia. Specialist in Financial Management from UNITEC. Public Accountant from the Pedagogical and Technological University of Colombia. With experience in managing research groups and creating and monitoring research projects by the Research Groups in Business Studies in Uncertain Environments, Julio Flores Regional Studies and Eugene Fama Research Group of the UPTC.

  • Jorge Enrique Romero-Muñoz, Universidad Pedagógica y Tecnológica de Colombia

    Profesor Asistente en la Escuela de Administración de Empresas de la Universidad Pedagógica y Tecnológica de Colombia. Maestría en Administración de Empresas de la Universidad Externado de Colombia, especialista en Finanzas de la Universidad Pedagógica y Tecnológica de Colombia y graduado de Administrador de Empresas de la Universidad Pedagógica y Tecnológica de Colombia. Coordinador del área financiera de pregrado y posgrados. Con experiencia como empresario e investigador de los grupos de investigación, Grupo de Investigación en Finanzas y Economía Financiera “Eugene Fama” y el Grupo de Investigación en Estudios Empresariales en Entornos Inciertos “EEENI” de la UPTC. Con publicaciones de artículos científicos, libros, capítulos de libro y proceedings de conferencias. Con interés en temas relacionados a educación financiera, gestión emprendimiento y estrategia.

  • Fabio Blanco-Mesa, Universidad Pedagógica y Tecnológica de Colombia

    Profesor Titular en la Escuela de Administración de Empresas de la Universidad Pedagógica y Tecnológica de Colombia. Doctor Internacional en Empresa del Departamento de Económica y Organización de Empresas de la Universidad de Barcelona. Con Master en Investigación en Empresa, Finanzas y Seguros y Master en Dirección de Empresas del Deporte de la Universidad de Barcelona y graduado de Administrador Deportivo de la Universidad Distrital Francisco José de Caldas.
    Experto en Toma de decisiones en condiciones de incertidumbre.
    Con experiencia en actividades de investigación en el ámbito internacionales, gestión de grupos de investigación y docencia. Con varias publicaciones de artículos científicos en revistas internacionales, capítulos de libro y proceedings de conferencias, como: Knowledge Based-Systems, Applied Soft Computing, Journal of Intelligent & Fuzzy Systems, International Journal of Intelligent Systems, Kybernetes, Journal Computational Optimization in Economics and Finance, Innovation in Service Firms: Perspective From Innovative Behaviour, European Journal of International Management, Cuadernos del CIMBAGE, Applied Mathematics and Computational Intellengece, Economic Computation and Economic Cybernetics Studies and Research, Fuzzy Economic Review, Soft Computing in Management and Business Economics, Technological and Economic Development of Economy, Advance in Intelligence Systems and Computing, Soft Computing in Management and Business Economics. Asimismo, desarrollo de tareas de revisión, control y verificación para diferentes revistas internacionales. Con interés en temas relacionados a toma de decisiones, competitividad, grupos de interés, emprendimiento, emprendimiento, desarrollo regional, análisis estratégico, sistemas difusos y operadores de agregación aplicados a la gestión, incertidumbre, y bibliometria.

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Prometeica v.32

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2025-10-04

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Vol. 32 (2025): Prometeica - v 32 (03/2025 - 12/2025)

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Derechos de autor 2025 Jheisson Andres Abril Teatin, Jorge Enrique Romero-Muñoz, Fabio Blanco-Mesa

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Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial 4.0.

Derechos de Autor: Prometeica permite que el (los) autor (es) mantenga sus derechos de autor sin restricciones. Prometeica permite al (los) autor (es) conservar sus derechos de publicación sin restricciones. Los autores deben garantizar que el artículo es un trabajo original sin fabricación, fraude o plagio; no infringe ningún derecho de autor o derecho de propiedad de terceros. Los autores también deben garantizar que cada uno atendió a los requisitos de autoría conforme a la recomendación del ICMJE y entienden que, si el artículo o parte de él es fallido o fraudulento, cada autor comparte la responsabilidad.

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Prometeica - Revista de Filosofía y Ciencias es regida por la licencia CC-By-NC

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Mantenimiento de derechos

Prometeica permite que el (los) autor (es) mantenga sus derechos de autor sin restricciones.

Prometeica permite al (los) autor (es) conservar sus derechos de publicación sin restricciones.

Cómo citar

Abril Teatin, J. A., Romero-Muñoz, J. E., & Blanco-Mesa, F. (2025). Un análisis comparativo cualitativo difuso de patrones y relaciones en variables financieras: Enfoque de conocimientos y habilidades financieras. Prometeica - Revista De Filosofía Y Ciencias, 32, e19752 (1-25). https://doi.org/10.34024/prometeica.2025.32.19752