<?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>2007-2171</journal-id>
<journal-title><![CDATA[Diálogos sobre educación. Temas actuales en investigación educativa]]></journal-title>
<abbrev-journal-title><![CDATA[Diálogos sobre educ. Temas actuales en investig. educ.]]></abbrev-journal-title>
<issn>2007-2171</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Guadalajara, Centro Universitario de Ciencias Sociales y Humanidades]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2007-21712022000200307</article-id>
<article-id pub-id-type="doi">10.32870/dse.v0i25.1131</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[El comportamiento financiero de los jóvenes universitarios en seis entidades federativas de México: un análisis desde la perspectiva financiera-conductual]]></article-title>
<article-title xml:lang="en"><![CDATA[The financial behavior of young university students in six Mexican states: an analysis from the financial-behavioral perspective]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Hernández-Rivera]]></surname>
<given-names><![CDATA[Ariadna]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Flores-Lara]]></surname>
<given-names><![CDATA[Shunashi Alejandra]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Benemérita Universidad Autónoma de Puebla  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Benemérita Universidad Autónoma de Puebla  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2022</year>
</pub-date>
<volume>13</volume>
<numero>25</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2007-21712022000200307&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2007-21712022000200307&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2007-21712022000200307&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El comportamiento financiero es una vertiente relativamente nueva de las finanzas, basada en el supuesto de irracionalidad en la toma de decisiones. Éste se construye y se ve influenciado tanto por los conocimientos, habilidades, aptitudes y condiciones del entorno en el que el ente económico se desarrolle. El objetivo del presente estudio fue analizar los elementos económicos y conductuales, a fin de identificar los factores en los que se sustenta el actuar de los jóvenes universitarios con sus finanzas. Para ello, se aplicó un instrumento a 3,600 estudiantes de instituciones de educación superior del área económicoadministrativa de seis entidades federativas de la república mexicana, con lo cual se realizó un análisis de indicadores en escala dicotómica, nominal y ordinal, aplicando un modelo de regresión múltiple basada en la construcción de tres variables latentes. Con lo que fue posible identificar una relación positiva entre la educación financiera, factores socioeconómicos y psicológicos respecto al comportamiento financiero. Basados en los ponderadores resultantes, se observó que el comportamiento financiero en los estudiantes no es satisfactorio, por lo que se concluye que tales ejes estratégicos deben impulsarse de forma efectiva para coadyubar en la toma de decisiones financieras de los jóvenes y de esa forma escalar a la sociedad.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Behavioral finance is a relatively new aspect of finance, based on the assumption of irrationality in decision making. It is constructed and influenced by the knowledge, skills, abilities, aptitudes, and conditions of the environment in which the economic entity develops. The aim of this study was to analyze economic and behavioral elements in order to identify the factors underlying the behavior of young university students in regard to their finances. To this end, we applied an instrument to 3,600 students in the economic-administrative area of higher education institutions in six Mexican states, and conducted an analysis of indicators on a dichotomous, nominal, and ordinal scale, applying a multiple regression model based on the construction of three latent variables. This allowed us to identify a positive relationship between financial education, socioeconomic and psychological factors regarding financial behavior. Based on the resulting weights, we observed that the financial behavior of students is not satisfactory, and concluded that such strategic axes should be promoted effectively in order to help young people and society at large to make financial decisions.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
<kwd lng="es"><![CDATA[comportamiento financiero]]></kwd>
<kwd lng="es"><![CDATA[jóvenes universitarios]]></kwd>
<kwd lng="es"><![CDATA[instituciones de educación superior]]></kwd>
<kwd lng="es"><![CDATA[toma de decisiones]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="en"><![CDATA[financial behavior]]></kwd>
<kwd lng="en"><![CDATA[university youth]]></kwd>
<kwd lng="en"><![CDATA[higher education]]></kwd>
<kwd lng="en"><![CDATA[institutions]]></kwd>
<kwd lng="en"><![CDATA[decision making]]></kwd>
</kwd-group>
</article-meta>
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