SESGOS COGNITIVOS Y CONDUCTA FINANCIERA RESPONSABLE EN ESTUDIANTES UNIVERSITARIOS MEDIANTE MODELADO DE ECUACIONES ESTRUCTURALES

Marcelo V.  Luna-Murillo; Patricia Ramírez-Contreras; Jonathan D. Segura-Márquez; Johanna  Castro-Ramírez

doi:10.37135/kai.03.16.06

Autores/as

Marcelo V. Luna-Murillo Universidad Estatal Amazónica, Puyo, Ecuador https://orcid.org/0000-0002-9521-353X
Patricia Ramírez-Contreras Universidad Técnica de Babahoyo – Extensión Quevedo, Puyo, Ecuador https://orcid.org/0000-0002-9370-6576
Jonathan D. Segura-Márquez Universidad Estatal Amazónica, Puyo, Ecuador https://orcid.org/0009-0001-2201-1777
Johanna Castro-Ramírez Incrementar, Consultoría Empresarial, Quevedo, Ecuador https://orcid.org/0000-0001-7310-2487

DOI:

https://doi.org/10.37135/kai.03.16.06

Palabras clave:

sesgos cognitivos, Conducta financiera responsable, Toma de decisiones financieras, Actitud hacia el riesgo, Economía del comportamiento

Resumen

El objetivo fue analizar la influencia de tres sesgos cognitivos: exceso de confianza, aversión a la pérdida y efecto anclaje, en la conducta financiera responsable de estudiantes universitarios, considerando la mediación de la actitud hacia el riesgo. Se aplicó un enfoque de economía del comportamiento con modelado de ecuaciones estructurales por mínimos cuadrados parciales a una muestra de 123 estudiantes de carreras económicas y administrativas. Los resultados muestran que la aversión a la pérdida incidió positivamente en la actitud hacia el riesgo y que esta influyó en la conducta financiera responsable; el exceso de confianza y el efecto anclaje no fueron significativos. El modelo explicó el 18.7% de la varianza en la actitud y el 31.6% en la conducta.

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