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April 29, 2019
A profile of the Colombian consumer was created by analyzing different variables that determine their consumption decisions, such as: age, sex, income, household size, source of income, form and place of payment, purchasing power and consumption habits.
October 15, 2014
This study analyses whether self-confidence affects financial abilities of young people in Spain, through financial literacy. We use data from the Programme for International Student Assessment (PISA) Financial Literacy (2012) report, conducted by the OECD. Our hypothesis is that non-cognitive factors are important to establish young people’s financial literacy. Financial knowledge, together with other personal attitudes, determines people’s financial behaviour. We focus on the role of self-confidence in four dimensions. First, the student’s self-confidence in the environment of their college; second, self-confidence referring to the utility found at school; third, self-confidence in relation to the results obtained; and finally, self-confidence in a broader sense. Our multi-level estimates show that students with higher levels of self-confidence score higher in financial literacy tests, whatever the dimension considered. Beyond the individual’s inherent characteristics, there are other factors such as maturity, gender, socio-economic characteristics and the surroundings, which also influence financial literacy. JEL: I00, D83, C81
July 1, 2014
The objective of this report is to highlight the importance and relevance of financial inclusion. It compiles current studies on financial inclusion, focusing on the areas of defining inclusion, the barriers to implementation, the role of financial education, protection of consumers, and the formative Maya Declaration.
