<?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>1607-4041</journal-id>
<journal-title><![CDATA[Revista electrónica de investigación educativa]]></journal-title>
<abbrev-journal-title><![CDATA[REDIE]]></abbrev-journal-title>
<issn>1607-4041</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma de Baja California, Instituto de Investigación y Desarrollo Educativo]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1607-40412016000200010</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Alfabetización socioeconómica y financiera de adolescentes mexicanos del siglo XXI]]></article-title>
<article-title xml:lang="en"><![CDATA[Socioeconomic and Financial Literacy in 21st Century Mexican Adolescents]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Diez-Martinez]]></surname>
<given-names><![CDATA[Evelyn]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma de Querétaro  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2016</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2016</year>
</pub-date>
<volume>18</volume>
<numero>2</numero>
<fpage>130</fpage>
<lpage>143</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1607-40412016000200010&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1607-40412016000200010&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1607-40412016000200010&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: La psicología ha hecho aportaciones sobre la comprensión de los conceptos económicos y financieros durante el desarrollo; en México los estudios sobre cómo se adquieren estos conocimientos han sido escasos. En la educación están incluidos dentro de la "alfabetización económica", sin embargo, esta alfabetización no ha sido incluida en los currículos formales de los diferentes niveles educativos a pesar de ser considerada actualmente como competencia esencial para los adolescentes del siglo XXI. Este estudio analizó la comprensión de conceptos de esta alfabetización en 245 adolescentes (de 12 a 16 años de edad) en escuelas públicas y privadas. Se aplicó un cuestionario con preguntas sobre la remuneración por el trabajo, la ganancia, los intereses en préstamos y la oferta y demanda. Los resultados indican que aún en los sujetos mayores, la comprensión de los conceptos estudiados no es adecuada. Se discuten los resultados desde la Psicología del Desarrollo del Pensamiento Socioeconómico.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: Psychology has contributed to our understanding of how economic and financial concepts are assimilated during the stages of development, but in Mexico, few studies have been carried out with regard to the acquisition of this knowledge. In educational terms, this falls under "economic literacy". However, this literacy has not been included in formal curricula for any level of education despite currently being considered an essential competency for adolescents in the 21st century. This study analyzed understanding of these literacy concepts in 245 adolescents (from 12 to 16 years of age) in public and private schools. A questionnaire was used with questions about remuneration for work, profit, interest on loans, and supply and demand. The results show that even older subjects do not have an adequate understanding of the concepts reviewed. The results are discussed from the perspective of developmental psychology of socioeconomic thought.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Alfabetización económica y financiera]]></kwd>
<kwd lng="es"><![CDATA[adolescentes]]></kwd>
<kwd lng="en"><![CDATA[Economic and financial literacy]]></kwd>
<kwd lng="en"><![CDATA[Adolescents]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Berti]]></surname>
<given-names><![CDATA[A. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Bombi]]></surname>
<given-names><![CDATA[A. S.]]></given-names>
</name>
</person-group>
<source><![CDATA[The child's construction of economics]]></source>
<year>1988</year>
<publisher-name><![CDATA[Cambridge University Press]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Berti]]></surname>
<given-names><![CDATA[A. E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Knowledge restructuring in an economic subdomain: banking]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Schnotz]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
<name>
<surname><![CDATA[Vosniadou]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Carretero]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[New perspectives on conceptual change]]></source>
<year>1999</year>
<page-range>113-35</page-range><publisher-loc><![CDATA[Ámsterdam ]]></publisher-loc>
<publisher-name><![CDATA[Pergamon]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Lo básico en educación básica. Reflexiones en torno a la revisión y actualización del currículo de Educación Básica]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Coll]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<source><![CDATA[Revista Electrónica de Investigación Educativa]]></source>
<year>2006</year>
<volume>8</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Delval]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[El descubrimiento del mundo económico en niños y adolescentes]]></source>
<year>2013</year>
<publisher-loc><![CDATA[Madrid ]]></publisher-loc>
<publisher-name><![CDATA[Morata]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Experiencia y comprensión. Concepciones sobre el trabajo en menores que trabajan en la calle en la ciudad de México]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Delval]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Diaz-Barriga]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Hinojosa]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Daza]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<source><![CDATA[Revista Mexicana de Investigación Educativa]]></source>
<year>2006</year>
<volume>11</volume>
<numero>31</numero>
<issue>31</issue>
<page-range>1337-62</page-range></nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Las ocupaciones como elementos de la "alfabetización económica" y su reconocimiento a través de la televisión: un estudio evolutivo con niños y adolescentes]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Diez-Martinez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Miramontes]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Sánchez]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Revista Comunicación y Sociedad]]></source>
<year>2000</year>
<numero>37</numero>
<issue>37</issue>
<page-range>129-58</page-range></nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Análisis descriptivo de los contenidos del libro de texto gratuito para el alumno de primaria sobre "alfabetización económica": el caso del trabajo y las ocupaciones]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Diez-Martinez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Miramontes]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Sánchez]]></surname>
<given-names><![CDATA[M,]]></given-names>
</name>
</person-group>
<source><![CDATA[Revista Mexicana de Investigación Educativa]]></source>
<year>2001</year>
<volume>6</volume>
<numero>12</numero>
<issue>12</issue>
<page-range>263-81</page-range></nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Occupational hierarchy as a device to study children's and adolescents' ideas about consumption and saving in adults]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Diez-Martinez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Ochoa]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Economic Psychology]]></source>
<year>2006</year>
<volume>27</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>20-35</page-range></nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[La alfabetización socioeconómica y financiera y la educación para el consumo sostenible en México: algunas reflexiones desde la psicología y la educación. CPU-e]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Diez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<source><![CDATA[Revista de Investigación Educativa]]></source>
<year>2009</year>
<volume>8</volume>
<page-range>2-15</page-range></nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Mexican adolescents' comprehension about bank functions: considerations regarding the development of school curricula]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Diez-Martinez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Delval]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Citizenship, Social and Economics Education]]></source>
<year>2010</year>
<volume>9</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>84-93</page-range></nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Diez-Martinez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Children's understanding of commmercial street adds and signs related to economic interchanges]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Kohen]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Barrio]]></surname>
<given-names><![CDATA[C. Del]]></given-names>
</name>
<name>
<surname><![CDATA[Enesco]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Linaza]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Construyendo mentes. Ensayos en homenaje a Juan Delval]]></source>
<year>2012</year>
<page-range>183-96</page-range><publisher-loc><![CDATA[Madrid ]]></publisher-loc>
<publisher-name><![CDATA[Universidad Nacional de Educación a Distancia]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Furth]]></surname>
<given-names><![CDATA[H. G.]]></given-names>
</name>
</person-group>
<source><![CDATA[The world of grow-ups. Children's conceptions of society]]></source>
<year>1980</year>
<publisher-loc><![CDATA[Nueva York ]]></publisher-loc>
<publisher-name><![CDATA[Elsevier North Holland]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Goldstein]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Oldham]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Children and work. A study of socialization]]></source>
<year>1979</year>
<publisher-loc><![CDATA[Nueva Jersey ]]></publisher-loc>
<publisher-name><![CDATA[Transaction Books]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[The development of thinking about economic institutions: the bank]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Jahoda]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<source><![CDATA[Cahiers de Psychologie]]></source>
<year>1981</year>
<volume>1</volume>
<page-range>55-73</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lunt]]></surname>
<given-names><![CDATA[P. K.]]></given-names>
</name>
<name>
<surname><![CDATA[Furnham]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Economic socialization. The economic beliefs and behaviours of young people]]></source>
<year>1996</year>
<publisher-loc><![CDATA[Cheltenham ]]></publisher-loc>
<publisher-name><![CDATA[Edward Elgar]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[The relationship between parenting and the economic orientation and behavior of norwegian adolescents]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Nehus]]></surname>
<given-names><![CDATA[E. K.]]></given-names>
</name>
<name>
<surname><![CDATA[Webley]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<source><![CDATA[The Journal of Genetic Psychology: Research and Theory on Human Development]]></source>
<year>2013</year>
<volume>174</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>620-41</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="book">
<collab>Secretaría de Educación Pública</collab>
<source><![CDATA[Programa de formación económica y financiera. Educación Primaria. Fichero para el Maestro]]></source>
<year>2008</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[SEP]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sonuga-Barke]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Webley]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<source><![CDATA[Children's saving: A study in the development of economic behaviour]]></source>
<year>1993</year>
<publisher-loc><![CDATA[Reino Unido ]]></publisher-loc>
<publisher-name><![CDATA[Lawrence Erlbaum]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[The development and transformation of monetary meanings in the child]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Strauss]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[American Sociological Review]]></source>
<year>1952</year>
<volume>27</volume>
<page-range>275-84</page-range></nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Revaluing the role of parents as financial socialization agents in youth financial literacy programs]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Van Campenhout]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<source><![CDATA[The Journal of Consumer Affairs]]></source>
<year>2015</year>
<volume>49</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>186-222</page-range></nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="book">
<article-title xml:lang=""><![CDATA[The meaning of "economics education" in japanese elementary and secondary education: an historical perspective]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Yamane]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<source><![CDATA[Proceedings of the Second Conference of the International Association for Children's Social and Economics Education]]></source>
<year>1997</year>
<page-range>101-4</page-range><publisher-loc><![CDATA[Suecia ]]></publisher-loc>
<publisher-name><![CDATA[Edge Hill University College]]></publisher-name>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
