Creencias que fundamentan heurísticas y sesgos en la toma de decisiones financieras



Publicado 31-05-2023
Claudine Moya-Ponce
Pilar Madrazo-Lemaroy


La heurística y los sesgos son resultado del pensamiento intuitivo que, a partir de intuiciones, sentimientos e impresiones, surgen como creencias una vez que son procesados a través del pensamiento analítico. En el presente trabajo examinamos las creencias que fundamentan heurísticas y sesgos en la toma de decisiones financieras, a través de 31 entrevistas a jóvenes mexicanos de clase socio-económica alta. Encontramos que la desconfianza es la causa común de decisiones como: invertir en otro país, evitar el comportamiento de manada y solo escuchar a asesores profesionales de su contexto social. Prefieren las inversiones sustentables, no por congruencia con sus valores, sino por la creencia de que son menos riesgosas. Ahorran o invierten su dinero independientemente de su fuente. Dado que consideran que pedir prestado es vergonzoso, etiquetan a los prestamistas como inversionistas. Finalmente, presentamos opciones para futuras investigaciones, así como implicaciones para intervenciones educativas y proveedores de servicios financieros.

Cómo citar

Moya-Ponce, C., & Madrazo-Lemaroy, P. (2023). Creencias que fundamentan heurísticas y sesgos en la toma de decisiones financieras. Cuadernos De Gestión, 23(2), 69–80.
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Heurísticas, Comportamiento de manada, Sesgo extranjero, Inversión sostenible, Asesores profesionales, México

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