Omar A. Guirette- Barbosa

57208819764

Publications - 3

Implications of Financial Literacy on Pawnshop Usage

Omar A. Guirette- Barbosa Selene Castañeda- Burciaga Csongor Czipf Absalón J. Salmerón- Zapata José G. Vargas- Hernandez

Publication Name: Policy Implications on International Financial Economics and Banking

Publication Date: 2025-01-01

Volume: Unknown

Issue: Unknown

Page Range: 441-464

Description:

This chapter aims to analyze financial literacy implications on pawnshop usage. The analysis departs from the assumption that individuals and micro-organizations lacking financial literacy and lower opportunities to have access to short-term credit provided by formal financing and banking institutions, are more likely to use pawnshops to get easily and fastest financial resources urgently needed for survival, living expenses and other required matters. The method used is the semi-structured interviews to borrowers followed by meta-analysis and meta-cognitive approaches based on conceptual, theoretical and empirical literature review. The chapter concludes that the financial literacy of undeserved individuals and micro-organizations, tend to reduce their access to formal financial and banking institutions to get credit, driving them to use pawnshops.

Open Access: Yes

DOI: 10.4018/979-8-3373-3725-8.ch015

Green Energy Literacy and Eco- Inequality: Exploring Socio- Demographic Drivers of Sustainable Awareness

Omar A. Guirette- Barbosa Selene Castañeda- Burciaga Csongor Czipf Absalón J. Salmerón- Zapata José G. Vargas- Hernandez

Publication Name: Inequality and Environmental Degradation in A Prosperity Driven World

Publication Date: 2025-01-01

Volume: Unknown

Issue: Unknown

Page Range: 401-428

Description:

This research examines the complex interaction of socio- demographic characteristics and socio- ecological factors in the specification of green energy- related financial literacy across different populations. The research employs a mixed- methods ap-proach that combines quantitative survey returns of respondents across different regions with qualitative interview data from respondents with diverse demographic characteristics. Results indicate significant inconsistencies in green energy monetary literacy, whereby increased levels of education, urban residence, young age cohorts, and greater environmental consciousness powerfully predict greater understanding of renewable energy funding options, incentive systems, and investment strategies. The research concludes by calling for the development of culturally sensitive, localespecific financial education programs that can provide fill- in- knowledge and provide equal access to opportunities for green energy adoption.

Open Access: Yes

DOI: 10.4018/979-8-3373-1862-2.ch013

Multidimensional Social Inequality Affecting Green Energy-Related Financial Literacy in Mexico

Omar A. Guirette- Barbosa Selene Castañeda- Burciaga Csongor Czipf Absalón J. Salmerón- Zapata José G. Vargas- Hernandez

Publication Name: Enhancing Intergenerational Social Connections Using Shared Common Values

Publication Date: 2025-01-01

Volume: Unknown

Issue: Unknown

Page Range: 245-280

Description:

This study examines the complex interaction between social multi-dimensionality and green energy financial literacy in Mexico. Drawing on a mixed-methods approach with quantitative analysis of Mexican national survey data and qualitative interviews with stakeholders, this research examines how socio-economic status, place, education levels, and indigenous identity intersect to form barriers to green energy financial literacy. The findings reveal wide disparities in the availability of information on green energy finance, and indigenous, rural, and poor communities report significantly lower levels of financial literacy for renewable energy investment. The research adds to the pool of knowledge on how social disparities perpetuate environmental and economic disparities in emerging economies in their developmental path towards sustainable energy infrastructure.

Open Access: Yes

DOI: 10.4018/979-8-3373-4367-9.ch010