Perfil de los hogares financieramente frágiles: Análisis comparado de Galicia y España
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El objetivo de la investigación es determinar el nivel de fragilidad financiera de los hogares gallegos, así como analizar si sus características sociodemográficas, económicas y conductuales se asocian con esta problemática, desde una perspectiva comparada con respecto al resto de comunidades autónomas. Partiendo de los datos de la primera edición de la Encuesta de Competencias Financieras (ECF), se observa que, comparado con España, un menor porcentaje de la población gallega presenta situaciones de fragilidad financiera media o alta. Además, los ingresos del hogar y la capacitación financiera del individuo son factores amortiguadores de la fragilidad financiera (FF), tanto en Galicia como en el resto de España. También, un mayor nivel educativo reduce la probabilidad de experimentar un alto nivel de FF autopercibida individual, mientras que la relación contraria se experimenta cuando se habita en un hogar con menores a cargo. Estos resultados, similares en ambas submuestras, no ocultan diferencias destacables. En comparación con España, el impacto de la capacitación financiera resulta menos relevante en Galicia, mientras que la inclusión financiera se relaciona positivamente con la FF.
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