Areas of opportunity in the knowledge of personal finance among students of the UACyA- UAN undergraduate program in Administration: an investigation to improve financial education.

• DOI: https://doi.org/10.22533/at.ed.2164202420096

• Palavras-chave: Finanzas personales, educación financiera, deuda, ahorro, inversión.

• Keywords: Personal finance, financial education, debt, savings, investment.

• Abstract:

  This research focuses on detecting opportunities for improvement in the knowledge of personal finance among students of the Bachelor's Degree in Administration of the Academic Unit of Accounting and Administration (UACyA) of the Autonomous University of Nayarit (UAN). A mixed methodological approach was used, combining quantitative surveys and qualitative interviews to achieve an in-depth understanding of the topic. The sample included 253 students, selected from a total of 736. The findings indicate that 60% of the respondents feel unsure or very unsure in the management of their personal finances. The areas where they have the most clarity are budgeting and expense control and saving and investing. In addition, students showed a notable interest in topics such as credit and savings. However, there is a notable discrepancy between theoretical knowledge and its practical application, as only 15% of the participants use a monthly budget on a regular basis. Interviews revealed concerns about lack of personal finance education and anxiety related to future debt. Significant opportunities for improving students' financial literacy are identified. The creation of more comprehensive and targeted educational programs that integrate online learning with hands-on experiences is suggested, thus fostering greater confidence and skill in managing their finances.