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Digital Financial Education for Economic and Financial Inclusion in Vulnerable Sectors of Peru

Year: 2024

Type: article

Abstract: The study explores the influence of digital financial education on the financial inclusion of workers in the construction sector in Peru. A quantitative approach with a non-experimental and cross-sectional design was used, applying a questionnaire to 128 self-employed workers. The results indicate a moderate influence of digital financial education on financial inclusion, with an R value of 0.541 and an R² of 0.292. The ANOVA analysis and the regression coefficients confirm the significance of the model (p < 0.001). Factors such as perception and trust in digital banking and integration of emerging technologies significantly influence financial inclusion. Most workers have a good level of digital financial literacy, although there is a need to improve training in digital tools; revealing that digital financial literacy is crucial for financial inclusion and sustainable economic growth, fulfilling Sustainable Development Goal 8.

Source: Theoretical and Practical Research in Economic Fields

DOI: 10.14505/tpref.v15.4(32).11

Authors: Neptalí Rojas ORTIZ, Joél Vásquez TORRES, Víctor Hugo Puican RODRÍGUEZ

Institution: Universidad César Vallejo

Language: English

Topic: Microfinance and Financial Inclusion

Subfield: Economics and Econometrics

Field: Economics, Econometrics and Finance

Domain: Social Sciences

SDGs: Decent work and economic growth, Reduced inequalities, No poverty, Quality education, Industry, innovation and infrastructure

Open Access status: hybrid

OpenAlex ID: W4405876426

FWCI: 1.808

Cites:

Cited by: 5

Related to: 10