Programa nacional que incentive el ahorro para acceder a la educación superior privada en México

Rodríguez Magaña, Alejandro; Jessica Rubiano Moreno; Briseño, Hugo

doi:10.31910/rudca.v23.n1.2020.1324

Programa nacional que incentive el ahorro para acceder a la educación superior privada en México

Journal

Revista U.D.C.A Actualidad & Divulgación Científica

ISSN

0123-4226

2619-2551

Date Issued

2020

Author(s)

Rodríguez Magaña, Alejandro

Facultad de Ciencias Económicas y Empresariales - CampGDL

Jessica Rubiano Moreno

Briseño, Hugo

Facultad de Ciencias Económicas y Empresariales - CampGDL

Type

text::journal::journal article

DOI

10.31910/rudca.v23.n1.2020.1324

URL

https://scripta.up.edu.mx/handle/20.500.12552/4068

Abstract

Currently, Mexican families use educational credits to access private higher education because they do not have enough income to pay tuition and additional expenses, or if they do, since there is free public education, they consider it a luxury. The objective of this article is to look for an option that encourages savings and promotes the professionalization of young people without entering debt. For this, secondary information was collected and a regression model was developed in order to establish which variables are significant for Mexican families and thus be able to propose a savings proposal. Households with low economic resources can hardly access the economic warrants from a credit and can hardly save enough to have higher educational degrees, when they have basic necessities to fulfill. For this reason, a national educational savings program is proposed that allows families to plan long-Term capital raising for the professionalization of their children, allocating a fraction of their income since their children are small so that when they go to make their University studies do not require paying interest rates that reduce your purchasing power in the future. © Universidad de Ciencias Aplicadas y Ambientales U.D.C.A. All Rights Reserved.