<?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>2448-718X</journal-id>
<journal-title><![CDATA[El trimestre económico]]></journal-title>
<abbrev-journal-title><![CDATA[El trimestre econ]]></abbrev-journal-title>
<issn>2448-718X</issn>
<publisher>
<publisher-name><![CDATA[Fondo de Cultura Económica]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-718X2017000400847</article-id>
<article-id pub-id-type="doi">10.20430/ete.v84i336.608</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Los determinantes del conocimiento del costo total de los avances en efectivo]]></article-title>
<article-title xml:lang="en"><![CDATA[The Determinants of Knowledge of the Total Cost of Cash Advances]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Farías]]></surname>
<given-names><![CDATA[Pablo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Chile Facultad de Economía y Negocios Departamento de Administración]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Chile</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2017</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2017</year>
</pub-date>
<volume>84</volume>
<numero>336</numero>
<fpage>847</fpage>
<lpage>868</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-718X2017000400847&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-718X2017000400847&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-718X2017000400847&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen  Antecedentes:  Existe una amplia diferencia en el costo total de los avances en efectivo que se ofrecen en Chile. Un escaso conocimiento del costo total de los avances en efectivo indica un consumidor vulnerable que puede ser incapaz de estar al tanto de cuándo y con cuál institución financiera adquirir un avance en efectivo.  Metodología:  Este trabajo busca averiguar las características de los consumidores y de las instituciones financieras que pueden estar relacionadas a un mayor o menor conocimiento del costo total pagado en los avances en efectivo.  Resultados:  Los resultados de una regresión logística jerárquica muestran que el bajo conocimiento del costo total pagado en los avances en efectivo está asociado a segmentos de consumidores que no usan el costo total del avance en efectivo como señal de calidad, los consumidores de mayor edad, las mujeres y los que no son clientes de la institución financiera que ofrece el avance en efectivo. Los resultados también sugieren que la publicidad del costo total pagado en los avances en efectivo es sólo efectiva para los consumidores con un bajo uso del costo total pagado como señal de calidad (efecto interacción). Las otras variables examinadas no fueron significativas.  Conclusiones:  Este artículo muestra que el bajo conocimiento en el costo total pagado en los avances en efectivo no es homogéneo entre los consumidores y las instituciones financieras que ofrecen estos avances en efectivo.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract  Background:  There is a wide difference in the total cost of cash advances offered in Chile. A little knowledge of the total cost of cash advances indicates a vulnerable consumer who may be unable to be aware of when and which financial institution to acquire a cash advance.  Methods:  This paper seeks to determine the characteristics of consumers and financial institutions that may be related to a greater or lesser knowledge of the total cost paid in cash advances.  Results:  The results of a hierarchical logistic regression shows that low knowledge of the total cost paid in a cash advance is associated with segments of consumers who do not use the total cost of cash advance as a signal of quality, older consumers, women and those who are not customers of the financial institution that offers the cash advance. The results also suggest that price advertising is effective only for consumers with a low use of the total cost as signal of quality (interaction effect). The other variables examined were not significant.  Conclusions:  This article shows that poor knowledge of the total cost paid in cash advances is not homogeneous between consumers and the financial institutions that offer these cash advances.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Avance en efectivo]]></kwd>
<kwd lng="es"><![CDATA[conocimiento del precio]]></kwd>
<kwd lng="es"><![CDATA[costo total]]></kwd>
<kwd lng="es"><![CDATA[créditos]]></kwd>
<kwd lng="es"><![CDATA[tarjetas de crédito]]></kwd>
<kwd lng="en"><![CDATA[cash advance]]></kwd>
<kwd lng="en"><![CDATA[price knowledge]]></kwd>
<kwd lng="en"><![CDATA[total cost]]></kwd>
<kwd lng="en"><![CDATA[credit]]></kwd>
<kwd lng="en"><![CDATA[credit cards]]></kwd>
</kwd-group>
</article-meta>
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