Copyright (c) 2026 Vision Antataura
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Financial education encompasses the knowledge, skills, and attitudes that enable individuals to make responsible decisions regarding money management, including income, expenses, savings, credit, and investment, with the purpose of improving personal and family well-being. The objective of this research was to analyze the use of financial education tools among professionals working in Panama. The study was descriptive, quantitative, and cross-sectional in nature. For data collection, a questionnaire was administered to 358 professionals employed throughout the country. In addition, descriptive statistical techniques and documentary reviews of university curricula from both public and private higher education institutions were conducted, as well as reviews of national savings programs promoted by banks, cooperatives, and other organizations aimed at children and young people. The evolution of consumer debt in Panama was also analyzed. The results showed that universities do not include financial education courses, except in programs related to administrative fields. Although most professionals did not receive financial education during their academic training, 97% considered the topic essential. Regarding saving habits, 68% reported saving less than 10% of their income, including those who do not save at all. Furthermore, 28% of the respondents presented high levels of indebtedness, limiting their ability to access credit from financial institutions. The findings indicate a limited level of knowledge and application of financial education among Panamanian professionals.
Este obra está bajo una licencia de Creative Commons Reconocimiento-NoComercial-CompartirIgual 4.0 Internacional.
