“EDUCACIÓN FINANCIERA COMO HERRAMIENTA PARA LA TOMA DE DECISIONES EN EL USO DE PRODUCTOS FINANCIEROS: PERSPECTIVAS DE LOS EMPRENDEDORES DEL PROGRAMA MENTORIAS BAC, TEGUCIGALPA”
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Date
2025-05-05
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Universidad Tecnológica Centroamericana UNITEC
Abstract
La investigación pretende analizar la educación financiera y su impacto en la toma de decisiones de los emprendedores de Tegucigalpa en relación con el uso de productos financieros. Se identifican las carencias y necesidades de conocimientos financieros entre las emprendedoras, especialmente productos financieros, el uso adecuado de créditos y la planificación financiera a largo plazo. A través de una metodología cuantitativa, se recolectaron datos mediante encuestas, las cuales revelaron que muchas emprendedoras carecen de una formación financiera adecuada, lo que afecta negativamente su capacidad para tomar decisiones informadas y sostenibles. El estudio concluye que es esencial implementar programas de educación financiera dirigidos a las emprendedoras, proporcionando herramientas y recursos que les permitan mejorar sus prácticas financieras, optimizar el uso de productos financieros y, en última instancia, contribuir al crecimiento y la sostenibilidad de sus negocios. Además, se propone la creación de la guía "Emprende con Éxito: Guía de Educación Financiera" para cubrir estas necesidades específicas, ofreciendo conocimientos prácticos y accesibles sobre gestión financiera.
The research aims to analyze financial education and its impact on the decision-making of entrepreneurs in Tegucigalpa in relation to the use of financial products. The gaps and needs of financial knowledge among entrepreneurs are identified, especially financial products, the appropriate use of credit and long-term financial planning. Through a quantitative methodology, data was collected through surveys, which revealed that many entrepreneurs lack adequate financial training, which negatively affects their ability to make informed and sustainable decisions. The study concludes that it is essential to implement financial education programs aimed at female entrepreneurs, providing tools and resources that allow them to improve their financial practices, optimize the use of financial products and, ultimately, contribute to the growth and sustainability of their businesses. In addition, the creation of the guide "Enterprise with Success: Financial Education Guide" is proposed to cover these specific needs, offering practical and accessible knowledge on financial management.
The research aims to analyze financial education and its impact on the decision-making of entrepreneurs in Tegucigalpa in relation to the use of financial products. The gaps and needs of financial knowledge among entrepreneurs are identified, especially financial products, the appropriate use of credit and long-term financial planning. Through a quantitative methodology, data was collected through surveys, which revealed that many entrepreneurs lack adequate financial training, which negatively affects their ability to make informed and sustainable decisions. The study concludes that it is essential to implement financial education programs aimed at female entrepreneurs, providing tools and resources that allow them to improve their financial practices, optimize the use of financial products and, ultimately, contribute to the growth and sustainability of their businesses. In addition, the creation of the guide "Enterprise with Success: Financial Education Guide" is proposed to cover these specific needs, offering practical and accessible knowledge on financial management.
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