Financial education and its impact on resource management in university students

Abstract

Financial literacy is an essential skill for responsible economic decision-making, especially for accounting students nearing graduation, who will be entering a work environment that requires autonomy and proper management of their resources. In this context, it is relevant to analyze the extent to which personal financial knowledge, attitudes, and practices are related to the economic management of students at the Professional School of Accounting and Financial Sciences at the Private University of Tacna. The objective of the study was to determine the relationship between financial education and resource management in tenth-cycle accounting students during the year 2025. The research was basic in nature, with a non-experimental, cross-sectional, and correlational design. A census sample was used, consisting of all students enrolled in the corresponding academic period. The information was collected using two Likert-type questionnaires, validated by experts and with adequate reliability according to Cronbach's alpha coefficient. Data analysis included descriptive and inferential statistics, applying Spearman's Rho correlation due to the ordinal nature of the data and the absence of normality. The results are expected to provide useful evidence to strengthen financial education training strategies, promoting better resource management and contributing to the professional development of future accountants.