Análisis del nivel de conocimiento, comportamiento y aptitud en sus dimensiones en su educación financiera, que impactan en los comerciantes informales y su incidencia en la toma de decisiones en la ciudad de Guayaquil.

Abstract

This research work shows the importance of financial education in decision-making, addressing it in three dimensions such as behavior, aptitude and financial knowledge in informal merchants in the city of Guayaquil; Given its relevance in the economic sector for the country, we analyze its impact on the growth and development of these merchants who seek to grow in their business ideas and entrepreneurship but who mostly fail to prosper due to lack of financial knowledge. These informal merchants have problems such as the lack of opportunities due to ignorance of financial services, the lack of liquidity due to poor management of their flows, the little accounting-fiscal structuring due to the fact of not declaring their taxes, not having a bank credit history, not driving financial basics among other issues that stall your progress. Through direct approach, surveys conducted with informal traders, the lack of financial education is evidenced through their decision making and thoughts related to their finances. Seeking to improve their knowledge based on their shortcomings, it is shown that a timely financial education ends up being basic and key in these merchants, additionally a dynamic labor ecosystem, strengthening and incentives for new merchants, add so that they can go from informality to formality.