Alfabetización Financiera Adultos 2022-2023

Cálculos preliminares

Author

Raquel Arcos

Published

April 10, 2023

Estadísticas

[1] 2060  290
  [1] "ID"        "DATE"      "QD1"       "QD2"       "QD3"       "QD4"      
  [7] "QD5_1"     "QD5_2"     "QD5_3"     "QD5_4"     "QD5_5"     "QD5_6"    
 [13] "QD5_7"     "QD5_99"    "QD5_ad"    "QD5_ch"    "QF1_a"     "QF1"      
 [19] "QF2_1"     "QF2_2"     "QF2_3"     "QF2_4"     "QF2_5"     "QF2_6"    
 [25] "QF2_99"    "QF3_1"     "QF3_2"     "QF3_3"     "QF3_4"     "QF3_5"    
 [31] "QF3_6"     "QF3_7"     "QF3_8"     "QF3_99"    "QF4"       "QF4pre"   
 [37] "QF5"       "QF6"       "QF7_1"     "QF7_2"     "QF7_3"     "QF7_4"    
 [43] "QF7_5"     "QF7_6"     "QF7_7"     "QF7_7t"    "QF7_8"     "QF7_97"   
 [49] "QF7_99"    "QF8"       "QF9_1"     "QF9_2"     "QF9_3"     "QF9_4"    
 [55] "QF9_5"     "QF9_6"     "QF9_7"     "QF9_8"     "QF9_9"     "QF9_10"   
 [61] "QF9_11"    "QF9_12"    "QF9_12t"   "QF9_97"    "QF9_99"    "QF11"     
 [67] "QF12_1_1"  "QF12_1_2"  "QF12_1_3"  "QF12_2_1"  "QF12_2_2"  "QF12_2_3" 
 [73] "QF12_3_1"  "QF12_3_2"  "QF12_3_3"  "QF12_3_4"  "QF12_3_5"  "QF12_3_6" 
 [79] "QF12_3_7"  "QF12_4_1"  "QF12_4_2"  "QF12_5_1"  "QF12_5_2"  "QF12_5_3" 
 [85] "QF12_5_4"  "QF12_5_5"  "QF12_6_1"  "QF12_6_2"  "QF12_7_1"  "QF12_7_1t"
 [91] "QF12_97"   "QF12_99"   "QF13"      "QF13pre"   "QP1_1"     "QP1_2"    
 [97] "QP1_3"     "QP1_4"     "QP1_5"     "QP1_6"     "QP1_7"     "QP1_8"    
[103] "QP1_9"     "QP1_10"    "QP1_11"    "QP1_12"    "QP1_13"    "QP1_14"   
[109] "QP1_15"    "QP1_16"    "QP1_17"    "QP1_add_1" "QP1_97"    "QP1_98"   
[115] "QP1_99"    "QP2_1"     "QP2_2"     "QP2_3"     "QP2_4"     "QP2_5"    
[121] "QP2_6"     "QP2_7"     "QP2_8"     "QP2_9"     "QP2_10"    "QP2_11"   
[127] "QP2_12"    "QP2_13"    "QP2_14"    "QP2_15"    "QP2_16"    "QP2_17"   
[133] "QP2_add_1" "QP2_97"    "QP2_98"    "QP2_99"    "QP3_1"     "QP3_2"    
[139] "QP3_3"     "QP3_4"     "QP3_5"     "QP3_6"     "QP3_7"     "QP3_8"    
[145] "QP3_9"     "QP3_10"    "QP3_11"    "QP3_12"    "QP3_13"    "QP3_14"   
[151] "QP3_15"    "QP3_16"    "QP3_17"    "QP3_add_1" "QP3_97"    "QP3_98"   
[157] "QP3_99"    "QP4"       "QP5"       "QP6_1"     "QP6_2"     "QP6_3"    
[163] "QP6_4"     "QP6_97"    "QP7_1"     "QP7_2"     "QP7_3"     "QP7_4"    
[169] "QP7_5"     "QP7_6"     "QP7_7"     "QP7_8"     "QP7_99"    "QP8_1"    
[175] "QP8_2"     "QP8_3"     "QP8_4"     "Qp8_5"     "QP9_1"     "QP9_2"    
[181] "QP9_3"     "QP9_4"     "QP9_5"     "QP9_6"     "QP9_7"     "QP9_8"    
[187] "QP9_9"     "QP9_10"    "QP10_1"    "QP10_2"    "QP10_3"    "QP10_4"   
[193] "QP10_5"    "QP10_6"    "QP10_7"    "QP10_8"    "QP10_9"    "QP10_10"  
[199] "QS1_1"     "QS1_2"     "QS1_3"     "QS1_4"     "QS1_5"     "QS1_7"    
[205] "QS1_8"     "QS1_9"     "QS1_10"    "QS1_11"    "QS1_12"    "QS2_1"    
[211] "QS2_2"     "QS2_3"     "QS2_4"     "QS2_5"     "QS2_6"     "QS2_7"    
[217] "QS2_8"     "QS2_9"     "QS2_10"    "QS3_1"     "QS3_3"     "QS3_4"    
[223] "QS3_6"     "QS3_7"     "QS3_8"     "QS3_9"     "QS3_10"    "QS3_11"   
[229] "QS3_12"    "QS3_13"    "QS4_1"     "QS4_2"     "QS4_3"     "QS4_4"    
[235] "QS4_5"     "QS4_6"     "QS4_7"     "QS4_8"     "QS5_1"     "QS5_2"    
[241] "QS5_3"     "QS5_4"     "QS5_5"     "QS5_6"     "QK1"       "QK2"      
[247] "QK3"       "QK4"       "QK5"       "QK6"       "QK7_1"     "QK7_1alt" 
[253] "QK7_2"     "QK7_3"     "QK7_3alt"  "QK7_4"     "QK7_5"     "QK7_6"    
[259] "QD6_1"     "QD6_2"     "QD6_3"     "QD6_4"     "QD6_5"     "QD6_6"    
[265] "QD6_7"     "QD6_8"     "QD6_9"     "QD6_10"    "QD6_11"    "QD6_12"   
[271] "QD7"       "QD7_a"     "QD8"       "QD9"       "QD10"      "QD11_1"   
[277] "QD11_2"    "QD11_3"    "QD11_4"    "QD11_5"    "QD11_6"    "QD11_7"   
[283] "QD11_8"    "QD11_9"    "QD11_10"   "QD11_99"   "QD12"      "QD13"     
[289] "QD14"      "wght"

Edad QD7_a

                   mean     SE
factor(QD7_a)1 0.039521 0.0058
factor(QD7_a)2 0.259277 0.0167
factor(QD7_a)3 0.199382 0.0148
factor(QD7_a)4 0.199431 0.0150
factor(QD7_a)5 0.144413 0.0115
factor(QD7_a)6 0.109310 0.0101
factor(QD7_a)7 0.048666 0.0075

Nivel educativo QD9

                 mean     SE
factor(QD9)1 0.012796 0.0027
factor(QD9)2 0.257638 0.0169
factor(QD9)3 0.225698 0.0140
factor(QD9)4 0.294061 0.0169
factor(QD9)5 0.135707 0.0114
factor(QD9)6 0.074101 0.0095

Ocupación QD10

                    mean     SE
factor(QD10)1  0.2275465 0.0148
factor(QD10)2  0.2824187 0.0163
factor(QD10)3  0.1093863 0.0116
factor(QD10)4  0.2356710 0.0158
factor(QD10)5  0.0235068 0.0072
factor(QD10)6  0.0450898 0.0063
factor(QD10)7  0.0029468 0.0011
factor(QD10)8  0.0171967 0.0047
factor(QD10)9  0.0486875 0.0068
factor(QD10)10 0.0075500 0.0021

Localidad QD3

                mean     SE
factor(QD3)3 0.18029 0.0133
factor(QD3)4 0.59109 0.0176
factor(QD3)5 0.22862 0.0151

Ingreso QD13

                    mean     SE
factor(QD13)-99 0.043292 0.0065
factor(QD13)-97 0.068337 0.0086
factor(QD13)1   0.472054 0.0181
factor(QD13)2   0.238011 0.0156
factor(QD13)3   0.178306 0.0139

Time value of money QK3

                    mean     SE
factor(QK3)-99 0.0007608 0.0005
factor(QK3)-97 0.0539961 0.0080
factor(QK3)1   0.1160248 0.0117
factor(QK3)2   0.1081396 0.0102
factor(QK3)3   0.7023950 0.0162
factor(QK3)4   0.0186836 0.0052

Interest on a loan QK4

La respuesta correcta debe ser cero

                      mean     SE
factor(QK4)-99  7.5498e-03 0.0024
factor(QK4)-97  5.8479e-02 0.0097
factor(QK4)0    8.6973e-01 0.0134
factor(QK4)1    2.5117e-04 0.0001
factor(QK4)2    1.6773e-03 0.0012
factor(QK4)3    3.5722e-04 0.0003
factor(QK4)5    4.4871e-03 0.0031
factor(QK4)8    5.4108e-03 0.0027
factor(QK4)10   3.0519e-03 0.0018
factor(QK4)12   7.1991e-04 0.0007
factor(QK4)20   2.8810e-03 0.0020
factor(QK4)50   5.2345e-03 0.0019
factor(QK4)100  1.2233e-02 0.0042
factor(QK4)200  1.4171e-04 0.0001
factor(QK4)250  1.5977e-04 0.0002
factor(QK4)300  2.8694e-03 0.0029
factor(QK4)400  2.5889e-04 0.0003
factor(QK4)500  1.9228e-02 0.0068
factor(QK4)508  4.9516e-04 0.0005
factor(QK4)520  7.3714e-04 0.0007
factor(QK4)550  1.5768e-04 0.0002
factor(QK4)600  1.2022e-03 0.0010
factor(QK4)625  5.8600e-04 0.0006
factor(QK4)650  9.2501e-05 0.0001
factor(QK4)700  1.0812e-04 0.0001
factor(QK4)1000 1.6364e-03 0.0011
factor(QK4)2000 2.6565e-04 0.0003

Simple interest calculation QK5

La respuesta correcta debe ser 102.00

                       mean     SE
factor(QK5)-99   1.9651e-02 0.0041
factor(QK5)-97   4.3659e-01 0.0178
factor(QK5)0     7.8874e-02 0.0089
factor(QK5)1     3.9879e-03 0.0019
factor(QK5)2     1.9227e-02 0.0045
factor(QK5)3     2.1134e-03 0.0015
factor(QK5)4     8.7254e-05 0.0001
factor(QK5)5     5.6446e-04 0.0003
factor(QK5)6     9.6467e-04 0.0010
factor(QK5)8     1.1471e-03 0.0007
factor(QK5)10    2.2033e-03 0.0010
factor(QK5)12    4.2094e-03 0.0032
factor(QK5)14    7.7300e-04 0.0008
factor(QK5)20    1.1281e-02 0.0031
factor(QK5)24    4.0625e-04 0.0003
factor(QK5)30    1.5768e-04 0.0002
factor(QK5)50    5.4346e-03 0.0027
factor(QK5)60    2.4694e-03 0.0025
factor(QK5)80    1.0413e-02 0.0067
factor(QK5)90    2.6313e-04 0.0002
factor(QK5)96    1.6775e-03 0.0017
factor(QK5)97    6.0115e-04 0.0006
factor(QK5)98    8.2632e-03 0.0024
factor(QK5)99    2.5908e-04 0.0003
factor(QK5)100   4.9902e-02 0.0104
factor(QK5)101   4.6689e-04 0.0004
factor(QK5)102   1.6329e-01 0.0135
factor(QK5)103   2.9945e-03 0.0020
factor(QK5)104   3.2662e-03 0.0021
factor(QK5)105   1.0135e-02 0.0063
factor(QK5)110   8.7329e-03 0.0025
factor(QK5)111   1.6430e-03 0.0016
factor(QK5)112   4.5377e-03 0.0019
factor(QK5)114   3.0654e-04 0.0003
factor(QK5)115   7.4673e-04 0.0006
factor(QK5)116   2.8266e-04 0.0003
factor(QK5)120   5.4824e-02 0.0079
factor(QK5)122   1.5084e-03 0.0013
factor(QK5)124   6.1382e-03 0.0025
factor(QK5)130   8.5742e-05 0.0001
factor(QK5)135   1.6931e-04 0.0002
factor(QK5)136   2.8720e-04 0.0003
factor(QK5)140   5.0065e-04 0.0004
factor(QK5)150   1.3852e-03 0.0007
factor(QK5)180   1.9120e-04 0.0002
factor(QK5)200   1.4552e-02 0.0029
factor(QK5)220   4.5758e-05 0.0000
factor(QK5)230   9.7451e-05 0.0001
factor(QK5)240   9.6981e-04 0.0006
factor(QK5)250   3.0124e-05 0.0000
factor(QK5)270   2.0595e-04 0.0002
factor(QK5)280   1.3739e-03 0.0014
factor(QK5)300   7.2649e-03 0.0035
factor(QK5)320   1.0784e-03 0.0011
factor(QK5)400   2.3791e-04 0.0002
factor(QK5)460   7.2974e-04 0.0007
factor(QK5)500   1.9532e-03 0.0011
factor(QK5)501   3.2884e-05 0.0000
factor(QK5)510   4.5044e-04 0.0004
factor(QK5)516   1.4183e-03 0.0014
factor(QK5)520   2.5894e-04 0.0002
factor(QK5)600   5.3416e-04 0.0005
factor(QK5)700   9.6850e-04 0.0010
factor(QK5)730   3.8480e-04 0.0004
factor(QK5)800   1.6977e-04 0.0002
factor(QK5)1000  7.9477e-03 0.0026
factor(QK5)1002  1.5933e-03 0.0012
factor(QK5)1012  6.5096e-04 0.0007
factor(QK5)1020  1.3650e-03 0.0008
factor(QK5)1024  5.3755e-04 0.0004
factor(QK5)1100  2.9195e-04 0.0003
factor(QK5)1200  1.0166e-02 0.0029
factor(QK5)1224  2.1096e-04 0.0002
factor(QK5)1330  1.6967e-04 0.0002
factor(QK5)1500  9.2040e-04 0.0006
factor(QK5)2000  9.5613e-03 0.0029
factor(QK5)2500  1.7794e-04 0.0002
factor(QK5)3000  1.2144e-03 0.0010
factor(QK5)4000  7.2332e-04 0.0006
factor(QK5)5000  6.8549e-04 0.0006
factor(QK5)8000  2.9253e-04 0.0003
factor(QK5)15000 4.2750e-03 0.0043
factor(QK5)20000 4.8451e-04 0.0005
factor(QK5)22000 1.0352e-03 0.0010
factor(QK5)26000 1.9262e-03 0.0019

Compound interest calculation QK6

La respuesta correcta es la categoría 1

                    mean     SE
factor(QK6)-99 0.0084032 0.0028
factor(QK6)-97 0.1023087 0.0094
factor(QK6)1   0.3544997 0.0176
factor(QK6)2   0.1858881 0.0135
factor(QK6)3   0.1638578 0.0135
factor(QK6)4   0.1850425 0.0147

Compound interest calculation QK6

       QK6
QK5              -99          -97            1            2            3
  -99     71057.7450   45806.6046  139163.4952   50640.3851  324230.5342
  -97    209035.0448 4135337.6213 5967898.1898 2580047.8347 3664828.2948
  0      101348.2615  534181.6055  637258.6670  310327.5876 1401540.4402
  1           0.0000       0.0000  126776.1934   55334.5286   19191.7766
  2       11279.2313   18877.6989  293344.1849  603068.2318   38948.0788
  3           0.0000       0.0000       0.0000       0.0000   73976.1782
  4           0.0000       0.0000       0.0000       0.0000    4404.3771
  5           0.0000       0.0000       0.0000   12810.6447   10640.4466
  6           0.0000       0.0000   48694.5056       0.0000       0.0000
  8           0.0000       0.0000   17873.3758   10187.1107   29843.7408
  10          0.0000       0.0000   20001.7742   15212.0488   62665.5207
  12          0.0000       0.0000       0.0000       0.0000   67640.6447
  14          0.0000       0.0000       0.0000       0.0000   39019.3632
  20          0.0000       0.0000  236698.6335   15481.7323  239104.9071
  24          0.0000       0.0000    3685.3330    6010.4335       0.0000
  30          0.0000       0.0000    7959.3852       0.0000       0.0000
  50          0.0000       0.0000   74226.0548       0.0000  200101.5023
  60          0.0000       0.0000       0.0000       0.0000  124651.6754
  80          0.0000       0.0000   74664.4775   51444.4937   72117.1278
  90          0.0000       0.0000       0.0000    9512.9468    3252.0748
  96          0.0000       0.0000       0.0000       0.0000   84678.8261
  97          0.0000       0.0000       0.0000       0.0000   30344.7802
  98          0.0000       0.0000  138956.9642   48081.4856  230071.0851
  99          0.0000       0.0000       0.0000       0.0000   13077.8836
  100         0.0000  254231.8198 1229972.6863  520119.6260  246137.0454
  101         0.0000       0.0000    1475.6430       0.0000   22091.6907
  102      7899.2900   33114.3710 2997458.9146 4174050.9129  331817.0973
  103         0.0000       0.0000  145188.0845    1691.1400       0.0000
  104         0.0000       0.0000   55073.2102  109797.3237       0.0000
  105         0.0000       0.0000  311786.9827  126027.6469    6112.4622
  110         0.0000       0.0000  415932.3034   21617.9320       0.0000
  111         0.0000       0.0000   82935.6127       0.0000       0.0000
  112         0.0000       0.0000  177697.0420       0.0000   51353.5317
  114         0.0000       0.0000       0.0000       0.0000   15473.2548
  115         0.0000       0.0000       0.0000       0.0000    9556.7243
  116         0.0000       0.0000   14267.9812       0.0000       0.0000
  120         0.0000       0.0000 1988107.1155  298722.9789  298159.1614
  122         0.0000       0.0000   76140.9476       0.0000       0.0000
  124         0.0000       0.0000  309844.6111       0.0000       0.0000
  130         0.0000       0.0000    4328.0585       0.0000       0.0000
  135         0.0000       0.0000       0.0000    8546.4339       0.0000
  136         0.0000       0.0000   14496.9415       0.0000       0.0000
  140         0.0000       0.0000   18704.5697       0.0000       0.0000
  150         0.0000       0.0000   59183.7346   10739.2350       0.0000
  180         0.0000       0.0000       0.0000       0.0000    9651.1753
  200         0.0000   12855.0514  405122.6247  163295.8750   64782.8841
  220         0.0000       0.0000    2309.7698       0.0000       0.0000
  230         0.0000       0.0000    4919.1096       0.0000       0.0000
  240         0.0000    6970.9582   41983.0015       0.0000       0.0000
  250         0.0000       0.0000       0.0000       0.0000    1520.6121
  270         0.0000       0.0000   10395.6608       0.0000       0.0000
  280         0.0000       0.0000   69351.4451       0.0000       0.0000
  300         0.0000       0.0000  184792.4823   26845.1280   28025.2180
  320         0.0000       0.0000   54437.2114       0.0000       0.0000
  400         0.0000   12008.9769       0.0000       0.0000       0.0000
  460         0.0000       0.0000       0.0000       0.0000   36835.6786
  500         0.0000       0.0000    7730.1948   14875.5929   47414.2434
  501         0.0000       0.0000       0.0000       0.0000    1659.8848
  510         0.0000       0.0000       0.0000    3292.1412   19444.7730
  516         0.0000       0.0000   71592.5346       0.0000       0.0000
  520         0.0000       0.0000       0.0000    1111.0344       0.0000
  600         0.0000       0.0000   26962.9311       0.0000       0.0000
  700         0.0000       0.0000   48887.7136       0.0000       0.0000
  730         0.0000       0.0000   19424.0166       0.0000       0.0000
  800         0.0000       0.0000       0.0000       0.0000       0.0000
  1000        0.0000   81370.6657  234819.3436   16721.1679   43328.6917
  1002        0.0000       0.0000    8656.6624   71770.7987       0.0000
  1012        0.0000       0.0000   32858.9715       0.0000       0.0000
  1020        0.0000       0.0000   52976.6447       0.0000    5642.9462
  1024        0.0000       0.0000   15945.8528       0.0000       0.0000
  1100        0.0000       0.0000   14737.0412       0.0000       0.0000
  1200        0.0000       0.0000  272993.2068   37258.3491  198641.3309
  1224        0.0000       0.0000   10648.7938       0.0000       0.0000
  1330        0.0000       0.0000       0.0000    8564.4927       0.0000
  1500    23556.1275       0.0000    7402.0922       0.0000   15501.5029
  2000        0.0000       0.0000  231266.3212       0.0000   54584.2564
  2500        0.0000       0.0000       0.0000       0.0000       0.0000
  3000        0.0000       0.0000   61298.3323       0.0000       0.0000
  4000        0.0000       0.0000       0.0000       0.0000   29101.0127
  5000        0.0000   29552.6519       0.0000       0.0000       0.0000
  8000        0.0000       0.0000       0.0000       0.0000       0.0000
  15000       0.0000       0.0000  215794.4508       0.0000       0.0000
  20000       0.0000       0.0000       0.0000       0.0000       0.0000
  22000       0.0000       0.0000       0.0000       0.0000       0.0000
  26000       0.0000       0.0000   97227.8250       0.0000       0.0000
       QK6
QK5                4
  -99    361025.9116
  -97   5480848.8970
  0      996738.0168
  1           0.0000
  2        5041.6521
  3       32701.1278
  4           0.0000
  5        5041.6521
  6           0.0000
  8           0.0000
  10      13338.0561
  12     144840.0592
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