Cómo la alfabetización Financiera impulsa la sostenibilidad: un enfoque teórico.

Isela Alanís-Aguilar

doi:10.29105/vtga11.6-1234

Autores/as

Isela Alanís-Aguilar Universidad Autónoma de Nuevo León https://orcid.org/0000-0002-4480-986X

DOI:

https://doi.org/10.29105/vtga11.6-1234

Palabras clave:

Alfabetización Financiera, Sostenibilidad Financiera, Teoría del comportamiento planificado

Resumen

Este estudio examinó la alfabetización financiera como un motor para promover prácticas sostenibles a nivel individual, corporativo y social. Se planteó que la educación financiera era esencial para mejorar el bienestar económico y fomentar el desarrollo sostenible, explorando su relación con la sostenibilidad financiera, social y ambiental mediante la teoría del comportamiento planificado. Bajo un enfoque cualitativo de carácter exploratorio, se realizó una revisión de literatura académica y estudios recientes relacionados. Los hallazgos revelaron que la alfabetización financiera impulsaba decisiones económicas responsables, promovía inversiones sostenibles y fomentaba comportamientos alineados con criterios ambientales, sociales y de gobernanza. Además, se destacó su carácter multidimensional, que abarcaba conocimientos, actitudes, conciencia y comportamientos financieros. No obstante, se identificaron obstáculos como la limitada cobertura educativa, brechas de género y edad, falta de estandarización en programas educativos y restricciones socioeconómicas. Se concluyó que fortalecer la alfabetización financiera era una estrategia fundamental para lograr el desarrollo sostenible. Para ello, resultaba crucial integrar programas educativos en políticas públicas y coordinar acciones entre gobiernos, instituciones académicas y empresas. Esta colaboración podía fomentar la equidad, ampliar la inclusión financiera y promover conductas responsables con el medio ambiente, contribuyendo a una sociedad más resiliente y sostenible.

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