<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2007-7467</journal-id>
<journal-title><![CDATA[RIDE. Revista Iberoamericana para la Investigación y el Desarrollo Educativo]]></journal-title>
<abbrev-journal-title><![CDATA[RIDE. Rev. Iberoam. Investig. Desarro. Educ]]></abbrev-journal-title>
<issn>2007-7467</issn>
<publisher>
<publisher-name><![CDATA[Centro de Estudios e Investigaciones para el Desarrollo Docente A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2007-74672024000200697</article-id>
<article-id pub-id-type="doi">10.23913/ride.v15i29.2015</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Educación financiera, materialismo y valor del dinero: su efecto en el endeudamiento de estudiantes universitarios]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial education, materialism and the value of money: its effect on college students' indebtedness]]></article-title>
<article-title xml:lang="pt"><![CDATA[Educação financeira, materialismo e valor do dinheiro: seu efeito no endividamento dos estudantes universitários]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[López Torres]]></surname>
<given-names><![CDATA[Virginia Guadalupe]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Monserrat Valenzuela Montoya]]></surname>
<given-names><![CDATA[Mariana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Lizarraga Benítez]]></surname>
<given-names><![CDATA[Roman III]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma de Baja California  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma de Baja California  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Autónoma de Baja California  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<volume>15</volume>
<numero>29</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2007-74672024000200697&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2007-74672024000200697&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2007-74672024000200697&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen  La tendencia a contraer deuda en la población mexicana incrementa los costos de financiamiento y la probabilidad de morosidad. Por ende, el presente trabajo analiza el impacto de la educación financiera, el valor del dinero y el materialismo sobre el endeudamiento en estudiantes universitarios de Baja California. Para ello, se diseñó una investigación cuantitativa, no probabilística y transversal, con una muestra aleatoria de 333 sujetos. Las relaciones entre los constructos se probaron utilizando modelos de mínimos cuadrados parciales (PLS). Los resultados muestran que cinco de las seis relaciones propuestas son estadísticamente significativas, por lo que la educación financiera y el valor del dinero afectan positivamente el endeudamiento. Además, el modelo explica de forma limitada el endeudamiento (0.238) y el valor del dinero (0.147). En conclusión, esta investigación contribuye al conocimiento del endeudamiento en jóvenes y adultos universitarios, ya que se consideraron nuevos factores que condicionan la decisión de ellos al momento de realizar compras a crédito.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract  The tendency to incur debt in the Mexican population increases financing costs and the probability of default. In this sense, this paper analyzes the impact of financial education, the value of money and materialism on indebtedness among university students in Baja California. The research is quantitative, non-probabilistic and cross-sectional, with a random sample of 333 subjects. The relationships between constructs were tested using partial least squares (PLS) models. The results show that five of the six proposed relationships are statistically significant: financial education and the value of money positively affect indebtedness. The model weakly explains indebtedness (0.238) and the value of money (0.147). This research contributes to the knowledge of indebtedness in young and adult university students by considering new factors that influence their decision to make purchases on credit that lead them to become indebted.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo  A tendência da população mexicana de contrair dívidas aumenta os custos de financiamento e a probabilidade de incumprimento. Portanto, este trabalho analisa o impacto da educação financeira, do valor do dinheiro e do materialismo na dívida de estudantes universitários da Baixa Califórnia. Para tanto, foi desenhada uma pesquisa quantitativa, não probabilística e transversal, com amostra aleatória de 333 sujeitos. As relações entre os construtos foram testadas usando modelos de mínimos quadrados parciais (PLS). Os resultados mostram que cinco das seis relações propostas são estatisticamente significativas, portanto a educação financeira e o valor do dinheiro afetam positivamente a dívida. Além disso, o modelo explica de forma limitada a dívida (0,238) e o valor do dinheiro (0,147). Concluindo, esta investigação contribui para o conhecimento do endividamento em estudantes universitários e adultos, uma vez que foram considerados novos fatores que condicionam a sua decisão na realização de compras a crédito.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[endeudamiento]]></kwd>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
<kwd lng="es"><![CDATA[estudiantes universitarios]]></kwd>
<kwd lng="es"><![CDATA[materialismo]]></kwd>
<kwd lng="es"><![CDATA[valor del dinero]]></kwd>
<kwd lng="en"><![CDATA[indebtedness]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="en"><![CDATA[university students]]></kwd>
<kwd lng="en"><![CDATA[materialism]]></kwd>
<kwd lng="en"><![CDATA[value of money]]></kwd>
<kwd lng="pt"><![CDATA[dívida]]></kwd>
<kwd lng="pt"><![CDATA[educação financeira]]></kwd>
<kwd lng="pt"><![CDATA[estudantes universitários]]></kwd>
<kwd lng="pt"><![CDATA[materialismo]]></kwd>
<kwd lng="pt"><![CDATA[valor do dinheiro]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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