Resumo

ZORRILLA OJEDA, Cira Edith. Determinant factors that influence financial literacy. A theoretical approach. Acad. (Asunción) [online]. 2025, vol.12, n.1, e1055.  Epub 24-Fev-2025. ISSN 2414-8938.  https://doi.org/10.30545/academo.2025.n1.1055.

Financial literacy is key to responsible management of personal finances, being an essential component for successful adult life. This literature review used an exploratory review in academic databases such as Scopus, Google Scholar and Cicco, searching for studies that addressed financial education internationally and in Latin American contexts. 22 documents published between 2005 and 2023 were selected, especially in Spanish and English. This work focuses on identifying the determining factors that influence financial literacy, identifying five key factors: individual characteristics, socioeconomic factors, educational interventions, digital technologies and cultural influences. These factors have a significant impact on financial decision making, wealth accumulation, and overall financial well-being.

Palavras-chave : Financial literacy; financial education; determinants; factors; Latin America.

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