Estrategias de Educación Financiera para Trabajadores Informales de Aplicaciones Móviles de Transporte. Caso Medellín

Abstract

Financial education is a determining factor when making decisions regarding personal and domestic economy, as well as reviewing financing and savings options. However, there is still a generalized lack of knowledge on financial issues in the population, therefore, the objective of this article is to propose strategies for financial education in informal workers of mobile transportation applications. For the development of this article, a bibliometric analysis was initially carried out with SCOPUS data sources and processed in VOSviewer to identify the main approaches and recognize the evolution of the topic. Following this, a semi-structured survey was designed and applied to drivers who use mobile transportation applications; the data were analyzed with the ATLAS.ti application. Within the results of the interviews it was found that the workers of these platforms have a savings account, but do not have access to formal credit, because they do not have the requirements that official institutions demand, this is because they cannot support their income, since the occupation is not considered as formal work, in addition to this it was highlighted the fact that these people do not have a solid base of financial education, and this is because they cannot access financial education from an early age.