La educación financiera en la práctica y stabilidad económica de los pequeños agricultores del cantón La Troncal.

Abstract

The present study examines the impact of financial education on the economic stability of small farmers in the Canton of La Troncal, Province of Cañar. The main objective was to evaluate the effects of financial education on economic practices, savings, planning, and sustainable productivity within this rural sector. The study followed a quantitative approach with a descriptive-correlational design, applying a structured survey to 311 small farmers in the canton of La Troncal. The instrument included Likert-scale items developed based on the theoretical dimensions of the variables, enabling the collection of accurate information on financial knowledge, saving habits, indebtedness, and economic stability. The findings indicate that most farmers posses a low level of financial literacy, as evidenced by their reliance on informal credit, limited financial planning, and limited investment opportunities. However, producers with higher financial knowledge demonstrated better income organization, more efficient resource management, and greater resilience to adverse economic conditions. It is concluded that financial education is a key factor in improving economic autonomy, reducing social vulnerability, and promoting the sustainability of rural productive activities. Finally, the study proposes implementing contextualized financial training programs that incorporate practical and digital tools to strengthen a culture of saving, planning, and responsible investment.