La educación financiera y su influencia en las finanzas personales de los emprendedores de negocios de la ciudad de Sullana año 2020

Abstract

La investigación tuvo como propósito determinar la influencia de la educación financiera en las finanzas personales de los emprendedores de negocios de la ciudad de Sullana año 2020, siendo la investigación de tipo aplicada, con diseño no experimental, correlacional, transversal. La población estuvo constituida por 258 emprendedores de negocios y la muestra objeto de estudio estuvo conformada por 155 emprendedores de negocios de Sullana. Para la recolección de datos se utilizó la técnica de la encuesta y el instrumento utilizado fue el cuestionario; obteniendo como principal hallazgo que el 36.77% de los emprendedores percibieron a la educación financiera como nivel bajo, señalando que casi nunca los conocimientos financieros y el sistema financiero han influenciado en sus negocios y el 34.19% percibieron a las finanzas personales como nivel intermedio ya que la elaboración de presupuesto, cultura de ahorro e inversión algunas veces sí ha contribuido con el bienestar de sus negocios. Concluyendo que existe una relación significativa entre el nivel de educación financiera y finanzas personales de los emprendedores de negocios debido a que según la prueba estadística Rho de Spearman muestra un coeficiente de correlación alto de 0.812, es decir, que cada variable tiene dimensiones que se relacionan entre sí.

The purpose of the research was to determine the influence of financial education on the personal finances of business entrepreneurs in the city of Sullana in 2020, the research being of an applied type, with a non-experimental, correlational, cross sectional design. The population consisted of 258 business entrepreneurs and the sample under study was made up of 155 business entrepreneurs from Sullana. For data collection, the survey technique was used and the instrument used was the questionnaire; Obtaining as the main finding that 36.77% of entrepreneurs perceived financial education as a low level, noting that financial knowledge and the financial system have almost never influenced their businesses and 34.19% perceived personal finances as an intermediate level since budgeting, a culture of savings and investment has sometimes contributed to the well-being of their businesses. Concluding that there is a significant relationship between the level of financial education and personal finances of business entrepreneurs because according to Spearman's Rho statistical test it shows a high correlation coefficient of 0.812, that is, each variable has dimensions that are related each.“ “The purpose of the research was to determine the influence of financial education on the personal finances of business entrepreneurs in the city of Sullana in 2020, the research being of an applied type, with a non-experimental, correlational, cross sectional design. The population consisted of 258 business entrepreneurs and the sample under study was made up of 155 business entrepreneurs from Sullana. For data collection, the survey technique was used and the instrument used was the questionnaire; Obtaining as the main finding that 36.77% of entrepreneurs perceived financial education as a low level, noting that financial knowledge and the financial system have almost never influenced their businesses and 34.19% perceived personal finances as an intermediate level since budgeting, a culture of savings and investment has sometimes contributed to the well-being of their businesses. Concluding that there is a significant relationship between the level of financial education and personal finances of business entrepreneurs because according to Spearman's Rho statistical test it shows a high correlation coefficient of 0.812, that is, each variable has dimensions that are related each.