Financial education is an important factor in the life of any person, consumption, savings, investment and other basic concepts of finance are unknown by much of the population in the world, this article identifies certain attitudes against it and proposes, in a basic way, fundamental pillars of financial education that could be implemented in secondary education, considering that it should be implemented as a curricular subject in education.

In Latin America, Small and Medium Enterprises (SMEs) are in constant growth, and to finance it they require resources from third parties, the traditional way of doing it is through banking, however, there is another attractive alternative in the system, which it is the stock market, in its sector of both variable income and fixed income, and the alternative stock markets existing in the region. This article analyzes the Latin American situation of SMEs and their stock markets, their perception of financing, their benefits and reasons for doing, or not using this strategic alternative. This analysis is made based on real market data and assuming a critical and proactive position of the alternative to business financing in the region.

La educación financiera es un factor importante en la vida de cualquier persona, el consumo, el ahorro, la inversión y otros conceptos básicos de las finanzas son desconocidos por gran parte de la población en el mundo, el presente artículo identifica ciertas actitudes frente a ello y propone de manera básica pilares fundamentales de la educación financiera que podrían ser implementados en la educación secundaria, considerando que esta debería ser implementada como materia curricular en la educación. Clasificación JEL: G00, I21, I22.

In Latin America, Small and Medium Enterprises (SMEs) are in constant growth, and to finance it they require resources from third parties, the traditional way of doing it is through banking, however, there is another attractive alternative in the system, which it is the stock market, in its sector of both variable income and fixed income, and the alternative stock markets existing in the region. This article analyzes the Latin American situation of SMEs and their stock markets, their perception of financing, their benefits and reasons for doing, or not using this strategic alternative. This analysis is made based on real market data and assuming a critical and proactive position of the alternative to business financing in the region.