Determinación de sesgos conductuales en estudiantes de la Facultad de Ciencias Económicas y Administrativas. Influencia de la racionalidad en sus decisiones financieras

Abstract

The purpose of this academic article is to identify the rationality in the financial decision making of university students, considering the behavioral biases that influence such decisions. The relationship between these biases and the financial decisions of students of the Faculty of Economics and Administrative Sciences is analyzed. The analysis details that certain biases, such as mental accounting and pessimism, influence the financial decisions of students in Administration. Higher mental accounting is associated with more savings, while pessimism is related to a lower tendency to save and consume. In Economics, mental accounting has a strong positive influence on saving, and pessimism also influences, although less significantly. Overconfidence is related to greater willingness to take risks in investments. In Dual Management, mental accounting promotes saving, while pessimism shows no clear influence. Overconfidence promotes investment, but risk aversion does not significantly influence, as does the herd effect. In Accounting and Auditing, mental accounting and optimism drive savings and consumption. In Marketing, mental accounting influences savings, pessimism has a negative impact, and optimism is associated with consumption. Finally, in Sociology, mental accounting and optimism are associated with savings and consumption respectively. Overconfidence and risk aversion are linked to the investment decision, while the herd effect has a negative association with this decision.