Digital Challenges: Financial Education and Financial Inclusion in University Students from South Lima

Resumen

Due to the importance of having adequate financial knowledge, it is essential to educate students so they can develop skills that allow them to properly manage their personal finances and improve their economic well-being. The objective of this research is to identify the relationship between financial education and financial inclusion among students from a university in South Lima, to highlight the importance of having a solid financial foundation in a digital context. The methodology of this research follows a quantitative approach. The study is basic in nature, correlational in scope, and uses a non-experimental design. The study population consisted of 244 students, from which a sample of 150 students was selected. The instrument used was a survey composed of 20 items related to financial education and 20 items related to financial inclusion. The analysis based on the results obtained showed a reliability coefficient of 0.872 for the financial education questionnaire and 0.848 for the financial inclusion questionnaire. In addition, a positive, direct, and statistically significant relationship was identified between the study variables, with a Spearman’s Rho coefficient of 0.642. The main conclusion is the need to promote training programs for both teachers and students to improve their financial knowledge and highlight the importance of financial inclusion from an early age. This will facilitate access to various financial products and services available in the market, which can be used more efficiently through digital channels.