Publication: Cultura financiera y su influencia en uso de tarjetas de crédito: clientes del Banco de Crédito del Perú, Trujillo 2023
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Date
2024
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Universidad Nacional de Trujillo
Abstract
El presente trabajo de investigación desarrolló como objetivo general, determinar la influencia de la cultura financiera en el uso de las tarjetas de crédito en clientes del Banco de Crédito del Perú, Trujillo 2023. El problema planteado al respecto fue ¿De qué manera la cultura financiera influye en el uso de las tarjetas de crédito en clientes del Banco de Crédito del Perú, Trujillo 2023? El diseño de investigación utilizado fue no experimental de tipo transversal explicativo; la población se conformó por 140 000 clientes, siendo la muestra de 383. Para la recolección de datos utilizó la técnica de la encuesta, siendo su instrumento, el cuestionario. Como principales resultados se tiene que tanto la cultura financiera como el uso de las tarjetas de crédito califican a nivel regular, dado que se muestran debilidades en la planeación financiera, ahorros, inversiones, así como los pocos beneficios que perciben los clientes del uso de las tarjetas de créditos; del crédito, y el regular proceso de notificación de costos por parte de la entidad bancaria. Concluyendo que la cultura financiera influye de manera significativa en el uso de las tarjetas de crédito en clientes del Banco de Crédito del Perú, Trujillo 2023; esto según la Correlación de Pearson y la prueba de Chi Cuadrado, pues se obtuvo un valor de r=0.611, y el valor de significancia de 0.00.
ABSTRACT The general objective of this research work was to determine the influence of financial culture on the use of credit cards in clients of the Banco de Crédito del Perú, Trujillo 2023. The problem posed in this regard was: How does financial culture Does it influence the use of credit cards in clients of Banco de Crédito del Perú, Trujillo 2023? The research design used was non-experimental, explanatory cross-sectional; The population was made up of 140,000 clients, with a sample size of 383. To collect data, the survey technique was used, its instrument being the questionnaire. The main results show that both financial culture and the use of credit cards qualify at a regular level, given that weaknesses are shown in financial planning, savings, investments, as well as the few benefits that clients perceive from the use of the cards. credit cards; of the credit, and the regular process of notification of costs by the banking entity. Concluding that financial culture significantly influences the use of credit cards in clients of Banco de Crédito del Perú, Trujillo 2023; this according to the Pearson Correlation and the Chi Square test, since a value of r=0.611 was obtained, and the significance value of 0.00.
ABSTRACT The general objective of this research work was to determine the influence of financial culture on the use of credit cards in clients of the Banco de Crédito del Perú, Trujillo 2023. The problem posed in this regard was: How does financial culture Does it influence the use of credit cards in clients of Banco de Crédito del Perú, Trujillo 2023? The research design used was non-experimental, explanatory cross-sectional; The population was made up of 140,000 clients, with a sample size of 383. To collect data, the survey technique was used, its instrument being the questionnaire. The main results show that both financial culture and the use of credit cards qualify at a regular level, given that weaknesses are shown in financial planning, savings, investments, as well as the few benefits that clients perceive from the use of the cards. credit cards; of the credit, and the regular process of notification of costs by the banking entity. Concluding that financial culture significantly influences the use of credit cards in clients of Banco de Crédito del Perú, Trujillo 2023; this according to the Pearson Correlation and the Chi Square test, since a value of r=0.611 was obtained, and the significance value of 0.00.
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Keywords
Cultura financiera, Tarjetas de crédito, Clientes