Creación de índices de proficiencia financiera
Amílcar José Escobedo Pérez
Yadira Sarai Sánchez Romero
Jurgen Elias Soto Alejos
Ayrton Pablo Almada Jiménez
29 de marzo de 2019
A continuación se realizará un análisis de factores de la base de datos para varios números de factores.
3 factores
FACTOR 1
FWB1_3 Debido a mi dinero nunca tendré las cosas que quiero en la vida (positivo) KHKNOWL5 Comprensión del seguro de vida (negativo) Las personas que tienen pocos recursos pueden tener una idea muy diferente sobre los recursos de vida que las que tienen mejores recursos. La economía puede influir mucho en la percepción de los seguros. Entiende cómo funcionan los seguros de vida y además podría manejar un gasto imprevisto (Este puede que sea debido a salud, ya que sabe de los seguros de vida)
FACTOR 2
FINKNOWL3 Entendimiento de la volatilidad de acciones frente a fondos mutuos FK1corect Respondió correctamente sobre el interés compuesto Implicitamente debe conocer cómo funciona el interés compuesto para saber las ventajas de inversión en fondos o acciones individuales
FACTOR 3
KHKNOWL5 Comprensión del seguro de vida KH5correct Contesto correctamente sobre el seguro de vida Las personas en general tienen una idea equivocada sobre el seguro de vida Entiende cómo funciona un seguro de vida, ventajas de tener uno.
4 factores
FACTOR 1
FWB1_3Because of my money situation…I will never have things I want in life REJECTED_1I applied for credit and was turned down No cuenta con dinero suficiente para permitir comprar cosas que desea y no le fue aceptado un crédito solicitado
FACTOR 2
FINKNOWL3Understanding of stock vs mutual fund volatility PRODHAVE_9Respondent did not select any item in PRODHAVE bank
FACTOR 3
KHKNOWL5Understanding of life insurance KHKNOWL8Understanding of relationship of bonds and interest rates
FACTOR 4
FINKNOWL1Understanding of compound interest FK1correctFINKNOWL1 answered correctly
Entiende los seguros de vida así como la relación entre bonos y tasa de interés
Tiene conocimientos financieros básicos (seguros de vida, tasa de interés y bonos) Entiende el interés compuesto y su función.
Entiende la diferencia entre un fondo de inversión y una acción individual(ventajas de invertir en una u otra).
Principal Components Analysis
La gráfica de codo para los componentes es:
A continuación se muestra la estructura de los primeros componentes principales:
El primer componente principal es muy parecido al primer factor en ambos casos. 
Nombres:
## [1] "fplPoverty status"
## [2] "SWB_1I am satisfied with my life"
## [3] "FWB1_3Because of my money situation...I will never have things I want in life"
## [4] "AUTOMATED_1A Retirement Savings Account"
## [5] "FINKNOWL1Understanding of compound interest"
## [6] "FK1correctFINKNOWL1 answered correctly"
## [7] "FK1correctFINKNOWL1 answered correctly"
## [8] "SNAPAny household member received SNAP benefits"
## [9] "REJECTED_1I applied for credit and was turned down"
## [10] "PPETHMRace / Ethnicity"El siguiente es el segundo componente principal:
Nombres:
## [1] "FINGOALSDo you have a current or recent financial goal?"
## [2] "ASK1_2I ask other people their opinions before making decisions involving money"
## [3] "CONSPROTECT1Frequency felt not respected or mistreated w/ financial services"
## [4] "BENEFITS_4Tuition Reimbursement and/or Student Debt Repayment"
## [5] "SHOCKS_4Had a major car or home repair"
## [6] "SHOCKS_12Respondent did not select any item in SHOCKS bank"
## [7] "OUTLOOK_1There are services in this area to help me"
## [8] "INTERCONNECTIONS_10Respondent did not select any item in INTERCONNECTIONS bank"
## [9] "EMPLOYPrimary or only employment status"
## [10] "EMPLOY1_1Self-employed"
## [11] "EMPLOY1_2Work full-time for an employer or the military"
## [12] "EMPLOY1_3Work part-time for an employer or the military"
## [13] "EMPLOY1_4Homemaker"
## [14] "EMPLOY1_5Full-time student"
## [15] "EMPLOY1_6Permanently sick, disabled or unable to work"
## [16] "EMPLOY1_7Unemployed or temporarily laid off"
## [17] "EMPLOY1_8Retired"
## [18] "EMPLOY1_9Respondent did not select any item in EMPLOY1 bank"El siguiente es el tercer componente principal:
Nombres:
## [1] "sampleSample"
## [2] "KHKNOWL5Understanding of life insurance"
## [3] "KH5correctKHKNOWL5 answered correctly"
## [4] "KH5correctKHKNOWL5 answered correctly"
## [5] "SHOCKS_4Had a major car or home repair"
## [6] "SHOCKS_5Had a health emergency"
## [7] "SHOCKS_11Provided unexpected financial support to a family member or friend"
## [8] "SHOCKS_12Respondent did not select any item in SHOCKS bank"
## [9] "MILITARYCurrent/former member of US Armed Forces or spouse/dependent of service member"
## [10] "Military_StatusMilitary status"El siguiente es el cuarto componente principal:
Nombres:
## [1] "sampleSample"
## [2] "SWB_1I am satisfied with my life"
## [3] "FINKNOWL1Understanding of compound interest"
## [4] "FK1correctFINKNOWL1 answered correctly"
## [5] "FK1correctFINKNOWL1 answered correctly"
## [6] "ABSORBSHOCKConfidence in ability to raise $2,000 in 30 days"
## [7] "OUTLOOK_1There are services in this area to help me"
## [8] "MILITARYCurrent/former member of US Armed Forces or spouse/dependent of service member"
## [9] "PPETHMRace / Ethnicity"
## [10] "PCTLT200FPLCounty pct less than 200% of poverty level (ACS 2015 5-year SF)"El siguiente es el quinto componente principal:
Nombres:
## [1] "FINKNOWL3Understanding of stock vs mutual fund volatility"
## [2] "FK3correctFINKNOWL3 answered correctly"
## [3] "MANAGE2Who in household makes financial decisions"
## [4] "OBJNUMERACY1Which of the following represents the biggest risk of getting a disease?"
## [5] "ON1correctOBJNUMERACY1 answered correctly"
## [6] "MEMLOSSExperienced memory loss or confusion in past 12 months"
## [7] "KIDS_NoChildrenI have no children that I support financially"
## [8] "EMPLOYPrimary or only employment status"
## [9] "EMPLOY1_1Self-employed"
## [10] "EMPLOY1_2Work full-time for an employer or the military"
## [11] "EMPLOY1_3Work part-time for an employer or the military"
## [12] "EMPLOY1_4Homemaker"
## [13] "EMPLOY1_5Full-time student"
## [14] "EMPLOY1_6Permanently sick, disabled or unable to work"
## [15] "EMPLOY1_7Unemployed or temporarily laid off"
## [16] "EMPLOY1_8Retired"
## [17] "EMPLOY1_9Respondent did not select any item in EMPLOY1 bank"
## [18] "MILITARYCurrent/former member of US Armed Forces or spouse/dependent of service member"
## [19] "PPETHMRace / Ethnicity"
## [20] "PCTLT200FPLCounty pct less than 200% of poverty level (ACS 2015 5-year SF)"