<?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>2448-6655</journal-id>
<journal-title><![CDATA[Análisis económico]]></journal-title>
<abbrev-journal-title><![CDATA[Anál. econ.]]></abbrev-journal-title>
<issn>2448-6655</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, Unidad Azcapotzalco, División de Ciencias Sociales y Humanidades]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-66552023000100149</article-id>
<article-id pub-id-type="doi">10.24275/uam/azc/dcsh/ae/2022v38n97/aguilar</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Micro y pequeñas empresas familiares y no familiares en Latinoamérica: Diferencias en su cultura financiera]]></article-title>
<article-title xml:lang="en"><![CDATA[Micro and small family and non-family businesses in Latin America: Differences in their financial culture]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Aguilar Rascón]]></surname>
<given-names><![CDATA[Oscar Cuauhtémoc]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,RedesLA - Redes de Estudios Latinoamericanos  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2023</year>
</pub-date>
<volume>38</volume>
<numero>97</numero>
<fpage>149</fpage>
<lpage>161</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-66552023000100149&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-66552023000100149&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-66552023000100149&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo del presente artículo es evaluar si la gestión de la cultura financiera es diferente entre las micro y pequeñas empresas (mypes) familiares y no familiares, y medir el impacto de la cultura financiera en la productividad entre los empresarios que dirigen mypes que son familiares y aquellas que no lo son. Se desarrolló una investigación cuantitativa con un instrumento integrado por 57 ítems, el cual se aplicó a 34 163 directores de mypes no familiares y a 7 524 directores de empresas familiares, para un total de 41 687 cuestionarios de 160 zonas geográficas de México, Colombia, Argentina, Perú y Ecuador. A través de una diferencia de medias, los resultados muestran que la cultura financiera es distinta entre las mypes no familiares y familiares, posteriormente, por medio de regresiones lineales, se observa que la gestión financiera es la variable que tiene mayor impacto en la productividad de las empresas.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This article evaluates whether the management of financial culture is different between family and non-family micro and small businesses (mypes), then analyzes the financial culture and its impact on productivity in mypes among entrepreneurs who run family and non-family mypes. Quantitative research was developed with an instrument with 57 items which was applied to 34 163 directors of non-family mypes and 7 524 to directors of family businesses, for a total of 41 687 questionnaires to directors of mypes in 160 geographical areas between Mexico, Colombia, Argentina, Peru, and Ecuador. The results show through a difference of means that the financial culture is different between the non-family and family mypes, later through linear regressions it is observed that financial management is the variable that has a greater impact on the productivity of the companies.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[cultura financiera]]></kwd>
<kwd lng="es"><![CDATA[micro y pequeña empresa]]></kwd>
<kwd lng="es"><![CDATA[micro y pequeña empresa familiar]]></kwd>
<kwd lng="en"><![CDATA[financial culture]]></kwd>
<kwd lng="en"><![CDATA[micro and small business]]></kwd>
<kwd lng="en"><![CDATA[micro and small family business]]></kwd>
</kwd-group>
</article-meta>
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