Educación financiera intercultural y bienestar familiar en programas comunitarios de hogares de Tutumberos, Bagua-Perú, 2025
Fecha
2026-06-02
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Universidad Nacional Intercultural Fabiola Salazar Leguía de Bagua
Resumen
El objetivo de este estudio fue determinar la asociación entre educación financiera intercultural y bienestar familiar en las familias de los Tutumberos que participaron en programas de la comunidad en la ciudad de Bagua, Perú, en el año 2025. Se utilizó el enfoque cuantitativo, de tipo aplicado, con diseño no experimental de corte transversal. La muestra consistió en 190 hogares, los cuales fueron seleccionados por muestreo no probabilístico, a los cuales se aplicó un cuestionario estructurado validado por expertos. Para el procesamiento de la información se aplicó estadística descriptiva e inferencial, concretamente la prueba Rho de Spearman. Los resultados descriptivos mostraron que el 47% de los hogares tenían un bajo nivel de educación financiera intercultural y el 67% tenía un bajo nivel de bienestar familiar. A nivel dimensional, el conocimiento financiero (67%) y la seguridad financiera de los hogares (73%) exhibieron debilidades. En análisis inferencial se determinó que existe una correlación positiva y significativa entre la educación financiera intercultural y el bienestar familiar (ρ=0.679; p<0.01). Asimismo, las dimensiones conocimiento y comprensión financiera (ρ = 0.935), de la pertinencia cultural (ρ = 0.654) y de los comportamientos financieros (ρ = 0.516) también mostraron relaciones significativas con el bienestar familiar. Se concluye que la educación financiera intercultural es un aspecto pertinente para la potenciación del bienestar familiar, principalmente cuando se articulan saberes técnicos con formas culturales propias del contexto comunitario.
Palabras clave: Apoyo emocional familiar, información financiera, capacidad de pago, necesidades básicas.
The aim of this study was to determine the association between intercultural financial education and family well-being among Tutumberos families who participated in community programmes in the city of Bagua, Peru, in 2025. A quantitative, applied approach was used, with a non-experimental cross-sectional design. The sample consisted of 190 households, which were selected using non-probability sampling, and to which a structured questionnaire validated by experts was administered. Descriptive and inferential statistics were applied to process the data, specifically Spearman’s Rho test. The descriptive results showed that 47% of households had a low level of intercultural financial literacy and 67% had a low level of family well-being. At the dimensional level, financial knowledge (67%) and household financial security (73%) exhibited weaknesses. Inferential analysis determined that there is a positive and significant correlation between intercultural financial literacy and family well-being (ρ=0.679; p<0.01). It is concluded that intercultural financial education is a key factor in promoting family well-being, particularly when technical knowledge is combined with cultural practices specific to the community context. Keywords: Family emotional support, financial information, ability to pay, basic needs.
The aim of this study was to determine the association between intercultural financial education and family well-being among Tutumberos families who participated in community programmes in the city of Bagua, Peru, in 2025. A quantitative, applied approach was used, with a non-experimental cross-sectional design. The sample consisted of 190 households, which were selected using non-probability sampling, and to which a structured questionnaire validated by experts was administered. Descriptive and inferential statistics were applied to process the data, specifically Spearman’s Rho test. The descriptive results showed that 47% of households had a low level of intercultural financial literacy and 67% had a low level of family well-being. At the dimensional level, financial knowledge (67%) and household financial security (73%) exhibited weaknesses. Inferential analysis determined that there is a positive and significant correlation between intercultural financial literacy and family well-being (ρ=0.679; p<0.01). It is concluded that intercultural financial education is a key factor in promoting family well-being, particularly when technical knowledge is combined with cultural practices specific to the community context. Keywords: Family emotional support, financial information, ability to pay, basic needs.
Descripción
Palabras clave
Información financiera, Apoyo emocional familiar, Necesidades básicas, Capacidad de pago, Family emotional support, Financial information, Ability to pay, Basic needs
Citación
Pérez Dávila, M. D., & Sánchez Córdova, J. J. (2026). Educación financiera intercultural y bienestar familiar en programas comunitarios de hogares de Tutumberos, Bagua – Perú, 2025 (Tesis de licenciatura, Universidad Nacional Intercultural “Fabiola Salazar Leguía” de Bagua).
