Factores que inciden en una baja cultura de ahorro en Ecuador.

Abstract

The purpose of this research is to identify the factors that influence savings culture in the city of Guayaquil. The methodology used was quantitative, with a non-experimental design, correlational scope, and a cross-sectional approach. A survey was conducted among 384 citizens who are part of the economically active population. This study was structured three objectives: to analyze the financial situation of the population, to detail the factors that define savings culture, and to establish significant variables. The results demonstrate a general financial improvement and an intention to save in certain segments of the population. Significant restrictions persist related to insufficient income, job instability, limited financial education, and unequal access to formal economic products. Statistical analysis using principal components and multiple linear regression revealed that financial variables, particularly income stability, are the most influential variables in saving behavior, outweighing social and psychological factors. It was determined that, despite awareness of the importance of saving, limitations still exist that hinder positive financial planning throughout life. This research suggests strengthening financial education, promoting savings mechanisms, and optimizing access to appropriate financial services.