Perfil dos fogares financieiramente fráxiles: Análise comparada de Galicia e España
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O obxectivo da investigación é determinar o nivel de fraxilidade financeira dos fogares galegos, así como analizar se as súas características sociodemográficas, económicas e condutuais se asocian con esta problemática, desde unha perspectiva comparada con respecto ao resto de comunidades autónomas. Partindo dos datos da primeira edición da Enquisa de Competencias Financeiras (ECF), obsérvase que, comparada con España, unha menor porcentaxe da poboación galega presenta situacións de fraxilidade financeira media ou alta. Ademais, os ingresos do fogar e a capacitación financeira do individuo son factores amortecedores da fraxilidade financeira (FF), tanto en Galicia coma no resto de España. Tamén, un maior nivel educativo reduce a probabilidade de experimentar un alto nivel de FF autopercibida individual, mentres que a relación contraria se experimenta cando se habita nun fogar con menores a cargo. Estes resultados, similares en ambas as submostras, non ocultan diferenzas destacables. En comparación con España, o impacto da capacitación financeira resulta menos relevante en Galicia, mentres que a inclusión financeira se relaciona positivamente coa FF.
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