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Lasting Lessons: The Long-Term Impacts of School-Based Financial Education

dc.contributor.authorChong, Juan Carlos
dc.contributor.authorFrisancho, Verónica
dc.contributor.authorGarcía, Antonella
dc.contributor.authorVentura, Édgar
dc.coverage.spatialPerúes_ES
dc.date.accessioned2025-10-30T05:37:14Z
dc.date.available2025-10-30T05:37:14Z
dc.date.issued2025-10-30
dc.identifier.citationChong, J. C., Frisancho, V., García, A., & Ventura, É. (2025, October 30). Lasting Lessons: The Long-Term Impacts of School-Based Financial Education. Retrieved from https://scioteca.caf.com/handle/123456789/2534en_GB
dc.identifier.urihttps://scioteca.caf.com/handle/123456789/2534
dc.description.tableofcontentsThis study experimentally examines the long-term effects of school-based financial education, analyzing data from nearly 60,000 individuals in Peru, seven years post-intervention. Treated students increased their total debt by 7.2% and average loan size by 7.8%, shifting from revolving to non-revolving credit. Borrowing terms improved slightly, and repayment performance remained unaffected despite increased borrowing. Formal employment and business formation remained unchanged. Impacts were equitable across sex and socioeconomic status, but higher performing students gained more in credit access. During the COVID-19 pandemic, financial education enhanced resilience by reducing reliance on revolving credit in favor of productive loans.es_ES
dc.language.isoenes_ES
dc.subjectEducaciónes_ES
dc.subjectEstudiantes
dc.subjectFinanzas
dc.subjectJóvenes
dc.subjectSector académico
dc.subjectHabilidades y destrezas
dc.subjectInvestigación socioeconómica
dc.titleLasting Lessons: The Long-Term Impacts of School-Based Financial Educationes_ES
dc.typeworkingPaperes_ES


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