¿Influye la educación financiera sobre la propensión a tomar riesgos? Una aproximación empírica a través de estudiantes universitarios españoles

• A. Molina García ^[1] ; A.J Cisneros-Ruiz ; M.D López-Subires ^[1] ; J. Diéguez-Soto ^[1]
  1. [1] Universidad de Málaga

     Universidad de Málaga

     Málaga, España

     
• Localización: IX Jornada Internacional AECA sobre Valoración, Financiación y Gestión de Riesgos: actas. Cuenca 2022, 2022, ISBN 978-84-19167-36-1
• Idioma: español
• Títulos paralelos:
  • Does financial literacy influence risk-taking propensity? An empirical approach through Spanish undergraduates
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• Resumen

  • This paper examines the relationship between financial literacy and risk-taking propensity in undergraduates, considering its three dimensions: financial knowledge, financial attitude, and financialbehaviour. It collects data through a questionnaire answered by 568 undergraduates. While Confirmatory Factor Analysis (CFA) is used to validate the measurement model, Structural Equation Model (SEM) isapplied to test a framework comprising five hypotheses. The results indicate that financial knowledge and financial behaviour directly and positively affect risk-taking propensity. This research also confirms afavourable indirect effect of financial attitude on risk-taking propensity through financial behaviour.