Financial Literacy and Perceived Economic Well-Being among Peruvian Health Sciences University Students
DOI:
https://doi.org/10.56294/hl2023313Keywords:
Financial literacy, Economic well-being, University students, Health sciencesAbstract
Introduction: The interaction between these two variables is particularly relevant in educational contexts, where university students in health-related careers face specific challenges that impact both their financial literacy and their perception of economic well-being.
Objective: To determine the relationship between financial literacy and the perception of economic well-being in Peruvian university students of health sciences.
Methods: Basic or pure, non-experimental, correlational research.
Results: A correlation coefficient Rho=0.998 for the study variables, and a value of p=0.000.
Conclusions: The relationship between financial literacy and perception of economic well-being is statistically significant and very strong, this result underlines the importance of financial literacy as a predictor of economic well-being in this population, with relevant implications for designing specific educational and financial policies and interventions. However, it is recommended to complement this analysis with additional tests to explore possible moderators or mediators in the observed relationship.
References
1. Merino González EL. Factors that influence the financial education of young people in Celaya, Guanajuato, México. Rev Mex Econ y Finanz Nueva Época. 2023;18(3):1–21.
2. Rozas Villacorta L, Casalino Proaño A. Educación financiera y su contribución a la inclusión financiera: Un enfoque desde la malla curricular escolar. Gob y Gestión Pública [Internet]. 2024;11(1):31–46. Available from: https://portalrevistas.aulavirtualusmp.pe/index.php/RevistaGobiernoyG/article/view/2736/3456
3. Gaspar Barrios DA, Cóndor Huaranga AM, Moore Blanco CE, Orosco Fabián JR. Educación financiera en jóvenes de educación superior. Rev Int Investig en Ciencias Soc. 2024;20(1):37–50.
4. Bernedo-Moreira DH, Papanicolau Denegri JNA, Loayza Apaza YT, Pacompía Quispe HF, Gonzales López JN. Generational diversity and labor productivity, a pressing problem in Peruvian public institutions. Salud, Cienc y Tecnol - Ser Conf. 2023;2:381.
5. Gonzales López KM, Bernedo-Moreira DH, Gonzales López JN, Loayza-Apaza YT, Pacompía Quispe HF, Papanicolau Denegri JNA. Knowledge and attitudes about essential newborn care in women experiencing motherhood for the first time. Salud, Cienc y Tecnol - Ser Conf. 2023;2.
6. Bernedo-Moreira DH, Papanicolau Denegri JNA, Loayza Apaza YT, Pacompía Quispe HF. Emotional intelligence and self-esteem in regular elementary school adolescents, a post-pandemic research. Salud, Cienc y Tecnol - Ser Conf. 2023;2:386.
7. Ruiz Cortez P, Cerrud Álvarez F. Relevancia e Impacto de las Finanzas Personales en los Estudiantes Universitarios en Panamá. Cienc Lat Int. 2023;7(6):5806–20.
8. Bernedo-Moreira DH, Almirón-Cuentas JA, Espiritu-Martinez AP, Ochoa-Tataje FA, Romero-Carazas R. Financial education from elementary school, a perspective to today. Period Eng Nat Sci. 2024;12(1):123–34.
9. Zhu AYF. Technology in Society Unlocking financial literacy with machine learning : A critical step to advance personal finance research and practice. Technol Soc [Internet]. 2025;81(July 2024):102797. Available from: https://doi.org/10.1016/j.techsoc.2024.102797
10. Ansari Y, Albarrak MS, Sherfudeen N, Aman A. Examining the relationship between financial literacy and demographic factors and the overconfidence of Saudi investors. Financ Res Lett [Internet]. 2023;52(November 2022):103582. Available from: https://doi.org/10.1016/j.frl.2022.103582
11. Khan MS, Azad I, Moosa S, Javed MY. Do we really need financial literacy to access the behavioral dynamics of generation Z? A case of Oman. Heliyon [Internet]. 2024;10(13):e32739. Available from: https://doi.org/10.1016/j.heliyon.2024.e32739
12. Kumar P, Pillai R, Kumar N, Tabash MI. The interplay of skills , digital fi nancial literacy , capability , and autonomy in fi nancial decision making and well-being. Borsa istanbul Rev [Internet]. 2023;23(1):169–83. Available from: https://doi.org/10.1016/j.bir.2022.09.012
13. Benedetta Ferilli G, Palmieri E, Miani S, Stefanelli V. The impact of FinTech innovation on digital financial literacy in Europe : Insights from the banking industry. Res Int Bus Financ [Internet]. 2024;69(October 2023):102218. Available from: https://doi.org/10.1016/j.ribaf.2024.102218
14. Osuma G. The impact of financial inclusion on poverty reduction and economic growth in Sub-Saharan Africa : A comparative study of digital financial services. Soc Sci Humanit Open [Internet]. 2025;11(July 2024):101263. Available from: https://doi.org/10.1016/j.ssaho.2024.101263
15. Adel N. The impact of digital literacy and technology adoption on financial inclusion in Africa , Asia , and Latin America. Heliyon [Internet]. 2024;10(24):e40951. Available from: https://doi.org/10.1016/j.heliyon.2024.e40951
16. Hernández-Sampieri R, Mendoza C. Metodología de la investigación. Las rutas cuantitativa, cualitativa y mixta Las rutas Cuantitativa Cualitativa y Mixta. McGRAW-HILL Interamericana Editores S.A. de C.V. 2020. 753 p.
17. Carbajal Y, Contreras V, Fuertes L, Saavedra J, Vasquez A. Metodología de la Investigación (Manual del Estudiante). Vol. 01. Lima. Perú: Universidad San Martin de Porres. Lima, Perú; 2019.
18. Llanga Vargas EF, López Ibarra CI. Metodologia del docente y el aprendizaje, El presente trabajo de. Rev Atlante Cuad Educ y Desarro y Desarro [Internet]. 2019;0. Available from: https://www.eumed.net/rev/atlante/2019/02/docente-aprendizaje.html
19. Barrios V, Martin E, Carpio D. ELEVADORES PENDULARES AUTOREGULABLES EN CORREDORES CONCAVOS CON ROZAMIENTO REDUCIDO. Aeiprocom [Internet]. 2024 [cited 2025 Jan 15]; Available from: http://dspace.aeipro.com/xmlui/handle/123456789/3616
Published
Issue
Section
License
Copyright (c) 2023 David Hugo Bernedo-Moreira, Yesenia Tania Loayza-Apaza, María Magdalena Portilla-Linares, Jorge Valdez-Portilla, Dina Emetria Chavez-Bellido, Rafael Romero-Carazas (Author)
This work is licensed under a Creative Commons Attribution 4.0 International License.
The article is distributed under the Creative Commons Attribution 4.0 License. Unless otherwise stated, associated published material is distributed under the same licence.
