<?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>2683-2690</journal-id>
<journal-title><![CDATA[The Anáhuac journal]]></journal-title>
<abbrev-journal-title><![CDATA[The Anáhuac j.]]></abbrev-journal-title>
<issn>2683-2690</issn>
<publisher>
<publisher-name><![CDATA[Universidad Anáhuac del Sur S.C., Facultad de Economía y Negocios]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2683-26902025000100104</article-id>
<article-id pub-id-type="doi">10.36105/theanahuacjour.2025v25n1.2794</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Financial Inclusion of Business Owners Who Survived the COVID-19 Pandemic in Guadalajara, Monterrey, and Mexico City]]></article-title>
<article-title xml:lang="es"><![CDATA[Inclusión financiera de los empresarios que sobrevivieron a la pandemia de COVID-19 en Guadalajara, Monterrey y la Ciudad de México]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Rendón Valdés]]></surname>
<given-names><![CDATA[Miguel Ángel]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mata Mata]]></surname>
<given-names><![CDATA[Leovardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Tecnológico y de Estudios Superiores de Monterrey  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Anáhuac  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<volume>25</volume>
<numero>1</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2683-26902025000100104&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2683-26902025000100104&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2683-26902025000100104&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper analyzes the marginal effect of different socioeconomic variables on the conditional probability that a business owner presents some degree of financial inclusion. A face-to-face survey with business owners who survived COVID-19 in Guadalajara, Monterrey, and Mexico City-including their metropolitan areas-was used as a source of information. The sample size consists of 1217 interviews applied in the year 2023. Linear probability, logit, probit, and robit models were used to establish a comparative framework for the results. The findings allow us to suggest strategies to promote financial inclusion of business owners in Mexico.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En este artículo se analiza el efecto marginal de diversas variables socioeconómicas sobre la probabilidad condicional de que un propietario de negocio presente algún grado de inclusión financiera. Como fuente de información se utilizó una encuesta realizada cara a cara a los propietarios de negocio, que sobrevivieron a la COVID-19 en las ciudades de Guadalajara, Monterrey y Ciudad de México con su área metropolitana. El tamaño de la muestra consta de 1217 entrevistas aplicadas en el año 2023. Se utilizaron los modelos de probabilidad lineal, logit, probit y robit para establecer un marco comparativo en los resultados. Los hallazgos permiten sugerir estrategias para promover la inclusión financiera de los propietarios de negocio en México.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[probit]]></kwd>
<kwd lng="en"><![CDATA[logit]]></kwd>
<kwd lng="en"><![CDATA[robit]]></kwd>
<kwd lng="en"><![CDATA[COVID-19]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[probit]]></kwd>
<kwd lng="es"><![CDATA[logit]]></kwd>
<kwd lng="es"><![CDATA[robit]]></kwd>
<kwd lng="es"><![CDATA[COVID-19]]></kwd>
</kwd-group>
</article-meta>
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