Educación financiera

Con el propósito de conocer el grado de alfabetización financiera en España y algunos aspectos del comportamiento económico de la población, Funcas realizó el pasado mes de mayo una encuesta —por vía online y telefónica— a una muestra representativa de 1.200 personas mayores de edad. El estudio ofrece una visión actualizada sobre cómo valoran su capacidad para gestionar sus finanzas y su conocimiento y uso de distintos productos financieros.

This paper proposes a multidimensional typology of disadvantage–cognitive, structural, and situational–to better understand disparities in adolescent financial literacy. Using data from the OECD-PISA 2022 Financial Literacy module (N = 97,983 students across 20 countries), we construct standardized indices to capture each disadvantage type and estimate their effects through weighted regressions and machine learning. Our results show that students with cognitive disadvantage scores, on average, 58 points lower in financial literacy; those facing all three disadvantages score up to 92 points lower. We find that school-based financial education can mitigate the effect of situational disadvantage by up to 30 points. The study contributes a novel framework to capture the layered nature of inequality in financial capability and offers clear guidance for targeted policy interventions.