A qualitative fuzzy comparative analysis of patterns and relationships in financial variables

Financial knowledge and skills approach

Authors

DOI:

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

Keywords:

Financial knowledge, financial skills, financial literacy, PCA, fsQCA

Abstract

This study comparatively analyzed the variables that shape financial knowledge and skills using principal component analysis (PCA) and qualitative comparative fuzzy set analysis (fsQCA). Using data from 1,837 adults in Bogotá and Cundinamarca, Colombia, it identified key factors such as the time value of money, profitability, financial regulations, interest rates, savings strategies, retirement planning, insurance, access to credit, and investment opportunities. These variables are essential for improving financial education and capabilities.
The combined approach of PCA and fsQCA revealed significant patterns and complex relationships between variables, highlighting how their combinations contribute to more effective financial decisions and outcomes. This methodological framework provides a comprehensive understanding of the determinants of financial knowledge and skills, grounding the interaction between financial education and practical competencies.
The findings have practical implications, suggesting the design of educational programs that transcend theoretical knowledge and strengthen real financial management skills. These programs can promote financial independence and economic well-being, responding to the specific needs of different social and economic contexts.

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Author Biographies

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

    Estudiante del Doctorado en Administración de la Universidad Católica de la Santísima Concepción. Magister en Administración de Organizaciones por la Universidad Pedagógica y Tecnológica de Colombia. Especialista en Gerencia Financiera por UNITEC. Contador Público por la Universidad Pedagógica y Tecnológica de Colombia.
    Con experiencia de gestión de grupos de investigación y creación y seguimiento de proyectos de investigación por los Grupos de investigación en Estudios Empresariales en Entornos Inciertos, Estudios Regionales Julio Flores y Grupo de Investigación Eugene Fama de la UPTC.

  • Romero-Muñoz Jorge, Pedagogical and Technological University of Colombia

    Assistant Professor at the School of Business Administration of the Pedagogical and Technological University of Colombia. He holds a Master's degree in Business Administration from the Universidad Externado de Colombia, a specialist in Finance from the Pedagogical and Technological University of Colombia and a degree in Business Administration from the Pedagogical and Technological University of Colombia. Coordinator of the undergraduate and postgraduate financial area. With experience as an entrepreneur and researcher of the research groups, Research Group in Finance and Financial Economics "Eugene Fama" and the Research Group in Business Studies in Uncertain Environments "EEENI" of the UPTC. With publications of scientific articles, books, book chapters and conference proceedings. With an interest in topics related to financial education, management, entrepreneurship and strategy.

  • Blanco-Mesa Fabio, Pedagogical and Technological University of Colombia

    Professor at the School of Business Administration of the Pedagogical and Technological University of Colombia. International PhD in Business from the Department of Economics and Business Organization of the University of Barcelona. He holds a Master's Degree in Research in Business, Finance and Insurance and a Master's Degree in Sports Business Management from the University of Barcelona and a degree in Sports Administrator from the Francisco José de Caldas District University. Expert in Decision Making in Conditions of Uncertainty. With experience in international research activities, management of research groups and teaching. With several publications of scientific articles in international journals, book chapters and conference proceedings, such as: 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, CIMBAGE Notebooks, 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. Also, development of review, control and verification tasks for different international journals. With interest in issues related to decision-making, competitiveness, stakeholders, entrepreneurship, regional development, strategic analysis, fuzzy systems and aggregation operators applied to management, uncertainty, and bibliometrics.

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Abril Teatin, J. A., Romero-Muñoz, J. E., & Blanco-Mesa, F. (2025). A qualitative fuzzy comparative analysis of patterns and relationships in financial variables: Financial knowledge and skills approach. Prometeica - Journal of Philosophy and Science, 32, e19752 (1-25). https://doi.org/10.34024/prometeica.2025.32.19752