Training to Decide: Impact of Financial Literacy on the Economic Decision-Making of University Students

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Published: Nov 25, 2025
DOI: https://doi.org/10.64753/jcasc.v10i2.2246
Keywords:
Financial Literacy, Economic Decisions, University Students, Financial Education, Personal Management.

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Carlos Alberto Hinojosa-Salazar
Doctor of Administration. Master's degree in Economics, specializing in Finance. Affiliation: Toribio Rodríguez de Mendoza National University of Amazonas, PERU Faculty of Economics and Administrative Sciences. Professional School of Accounting
Irma Dolores Montenegro Rios
Master's Degree in Public Management. Affiliation: Toribio Rodríguez de Mendoza National University of Amazonas, PERU Faculty of Economic and Administrative Sciences. Professional School of Accounting
Jesús Ermila Reyna Tuesta
Master's Degree in Public Management. Certified Public Accountant. Affiliation: Toribio Rodríguez de Mendoza University of Amazonas, PERU
Consuelo González Camacho
Master's Degree in Administration with a Specialization in Strategic Marketing. Affiliation: Tecámac Polytechnic University, MEXICO
Jaide Luna Sánchez
Doctor of Administration. Master's Degree in Business Administration. Bachelor's Degree in Commercial Relations. Affiliation: Polytechnic University of Tecámac, MEXICO

Abstract

The objective of this research is to analyze the connection between financial literacy and the economic decisions made by accounting students at the Toribio Rodríguez de Mendoza National University (UNTRM). A quantitative approach was adopted, with a non-experimental, correlational, and cross-sectional design. The sample included 99 students enrolled in the third to ninth academic cycles. To collect the data, a structured questionnaire with a Likert scale was used, validated by expert judgment and with high reliability. The results reveal that 64.6% of students have a high level of financial literacy and 68.7% show a high capacity for making economic decisions. Likewise, a significant positive correlation was identified between both variables, indicating that higher levels of financial literacy lead to more informed and responsible economic decisions.

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How to Cite
Hinojosa-Salazar, C. A., Rios, I. D. M., Tuesta, J. E. R., Camacho, C. G., & Sánchez, J. L. (2025). Training to Decide: Impact of Financial Literacy on the Economic Decision-Making of University Students. Journal of Cultural Analysis and Social Change, 10(2), 4242–4247. https://doi.org/10.64753/jcasc.v10i2.2246
Issue
2025: Volume 10 Issue 2
Section
Articles