Determinantes que inciden en el bienestar financiero de los profesionales en la ciudad de Guayaquil.

Abstract

The objective of this study is to evaluate the main variables that explain financial well-being through the application of a validated questionnaire. According to the studies carried out on the subject, an important relationship was found between low levels of financial well-being and health, labor and family problems. Statistical and econometric techniques were used to measure the financial well-being of Guayaquil professionals and a logical regression model was proposed, specifically a Logit model, with objective and subjective variables that explained the variations in financial well-being. It was concluded that most of Guayaquil’s professionals suffer from a low level of financial well -being and the main variables that influence this measure are satisfaction with financial behaviors and the current financial situation. In addition, sociodemographic variables were included to determine their impact on financial well-being, of which the level of education was the only one that showed significant variations in both the well -being levels and the variables that make up the predictive model.