Financial knowledge, skills and attitudes in university students. An approach from the competency approach

• Autores: Ramírez-Arellano, Miguel Angel, Medrano-Osorio, Gabriel Pastor, Alania-Contreras, Rubén Darío, Pariona-Salcedo, Jhair Javier, Ramírez-Arellano , Edgard Julián
• Formato: artículo
• Fecha de Publicación: 2025
• Institución: Universidad Nacional del Centro de Perú
• Repositorio: Revistas - Universidad Nacional del Centro de Perú
• Lenguaje: español
• OAI Identifier: oai:revistas.uncp.edu.pe:article/2561
• Enlace del recurso: https://revistas.uncp.edu.pe/index.php/socialium/article/view/2561
• Nivel de acceso: acceso abierto
• Materia: financial competencies; knowledge; skills; attitudes; competencias financieras; conocimientos; habilidades; actitudes

Financial competencies are essential to make informed decisions about savings, investment and credit, promoting economic independence and financial stability. They help prevent financial problems, adapt to economic changes and plan for the long term. These skills are key to ensuring personal and family economic well-being in an increasingly complex economic environment. The objective was to analyze the knowledge, skills and financial attitudes of university students in the city of Tarma following the competency approach guidelines. The research has a quantitative approach, basic type, descriptive level and non-experimental design. The study sample includes 116 university students from the city of Tarma. The data were collected through a pedagogical test validated by experts with a content validity coefficient of .98 and McDonald's Omega reliability of .813. The results indicate a significant gap in the financial competencies of university students, with especially low performance in knowledge and attitudes. Although relative strengths are observed in practical skills, there is still a long way to go to reach a satisfactory level in these competencies.