<?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>2007-7467</journal-id>
<journal-title><![CDATA[RIDE. Revista Iberoamericana para la Investigación y el Desarrollo Educativo]]></journal-title>
<abbrev-journal-title><![CDATA[RIDE. Rev. Iberoam. Investig. Desarro. Educ]]></abbrev-journal-title>
<issn>2007-7467</issn>
<publisher>
<publisher-name><![CDATA[Centro de Estudios e Investigaciones para el Desarrollo Docente A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2007-74672024000200720</article-id>
<article-id pub-id-type="doi">10.23913/ride.v15i29.2065</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Alfabetización financiera y su efecto en la conducta financiera de los hogares de Huancayo, Perú]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial literacy and its effect on the financial behavior of households in Huancayo, Peru]]></article-title>
<article-title xml:lang="pt"><![CDATA[Alfabetização financeira e seu efeito no comportamento financeiro das famílias em Huancayo, Peru]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Gonzales Hinostroza]]></surname>
<given-names><![CDATA[Joselyn Janeth]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Continental  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Perú</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<volume>15</volume>
<numero>29</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2007-74672024000200720&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2007-74672024000200720&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2007-74672024000200720&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La alfabetización financiera en los hogares exige desarrollar habilidades y competencias que permitan comprender términos financieros para orientar la toma de decisiones en cuanto a la optimización de los recursos. Por eso, el objetivo de este estudio fue analizar la alfabetización financiera y su impacto en la conducta financiera de los hogares en Huancayo, Perú. Para eso, en primer lugar, se evaluó la fiabilidad de los instrumentos de investigación, la cual obtuvo una alta consistencia en las variables, con un coeficiente superior a 0.90. Por otra parte, para la recolección de datos se realizó un muestreo probabilístico con 702 jefes de hogar en Huancayo, Perú. Posteriormente, se llevó a cabo un análisis confirmatorio que reveló que el modelo propuesto se ajusta adecuadamente a los datos observados. En conclusión, se confirmó que existe un efecto significativo de la alfabetización financiera sobre la conducta financiera de los hogares en Huancayo, Perú, los cuales están encabezados principalmente (43.9%) por personas de 21 a 30 años.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Financial literacy in households includes developing skills and competencies that allow understanding financial terms and guide decision making to achieve the optimization of resources. The objective of this study was to analyze financial literacy and its effect on the financial behavior of household heads in Huancayo, Peru. The reliability of the research instruments was evaluated, obtaining an adequate reliability of the variables, which was higher than 0.90. Also, for data collection, a probabilistic sample of 702 heads of household in Huancayo, Peru was carried out. Subsequently, the confirmatory analysis was carried out, where it was determined that the proposed model fits well with the observed data and from this it was confirmed that there is a significant effect of financial literacy on the financial behavior of households in Huancayo, Peru, mainly represented by households made up of people between 21 and 30 years of age, which represents 43.9%.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo A literacia financeira dos agregados familiares inclui o desenvolvimento de aptidões e competências para compreender os termos financeiros e orientar a tomada de decisões para obter uma boa relação custo-benefício. O objetivo deste trabalho foi analisar a literacia financeira e o seu efeito no comportamento financeiro dos chefes de família em Huancayo, Peru. A fiabilidade dos instrumentos de investigação foi avaliada, obtendo-se uma fiabilidade adequada das variáveis, que foi superior a 0,90. Utilizou-se uma amostra probabilística de 702 chefes de família em Huancayo, Peru, para recolher os dados. Posteriormente, realizou-se a análise confirmatória, onde se determinou que o modelo proposto se ajusta bem aos dados observados e, a partir daí, confirmou-se que existe um efeito significativo da literacia financeira no comportamento financeiro dos agregados familiares em Huancayo, Peru, representado principalmente por agregados familiares constituídos por pessoas entre os 21 e os 30 anos de idade, o que representa 43,9%.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[alfabetización financiera]]></kwd>
<kwd lng="es"><![CDATA[conducta financiera]]></kwd>
<kwd lng="es"><![CDATA[hogares]]></kwd>
<kwd lng="es"><![CDATA[Perú]]></kwd>
<kwd lng="en"><![CDATA[financial literacy]]></kwd>
<kwd lng="en"><![CDATA[financial behavior]]></kwd>
<kwd lng="en"><![CDATA[households]]></kwd>
<kwd lng="en"><![CDATA[Peru]]></kwd>
<kwd lng="pt"><![CDATA[alfabetização financeira]]></kwd>
<kwd lng="pt"><![CDATA[comportamento financeiro]]></kwd>
<kwd lng="pt"><![CDATA[famílias]]></kwd>
<kwd lng="pt"><![CDATA[Peru]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Allgood]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Walstad]]></surname>
<given-names><![CDATA[W. B.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The effects of perceived and actual financial literacy on financial behaviors]]></article-title>
<source><![CDATA[Economic Inquiry]]></source>
<year>2016</year>
<volume>54</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>675-97</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Amagir]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Groot]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
<name>
<surname><![CDATA[van Den Brink]]></surname>
<given-names><![CDATA[H. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Wilschut]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy of high school students in the Netherlands: knowledge, attitudes, self-efficacy, and behavior]]></article-title>
<source><![CDATA[International Review of Economics Education]]></source>
<year>2020</year>
<volume>34</volume>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Anderloni]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Bacchiocchi]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Vandone]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Household financial vulnerability: An empirical analysis]]></article-title>
<source><![CDATA[Research in Economics]]></source>
<year>2012</year>
<volume>66</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>284-96</page-range></nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ankrah Twumasi]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Asante]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Fosu]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Essilfie]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Jiang]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Residential renewable energy adoption. Does financial literacy matter?]]></article-title>
<source><![CDATA[Journal of Cleaner Production]]></source>
<year>2022</year>
<volume>361</volume>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ankrah Twumasi]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Essilfie]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Ntiamoah]]></surname>
<given-names><![CDATA[E. B.]]></given-names>
</name>
<name>
<surname><![CDATA[Xu]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Jiang]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Assessing financial literacy and food and nutritional security relationship in an African country]]></article-title>
<source><![CDATA[Heliyon]]></source>
<year>2023</year>
<volume>9</volume>
<numero>9</numero>
<issue>9</issue>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Atkinson]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Messy]]></surname>
<given-names><![CDATA[F. A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Measuring financial literacy: results of the OECD infe pilot study]]></source>
<year>2012</year>
<volume>15</volume>
<numero>15</numero>
<issue>15</issue>
<page-range>1-73</page-range></nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Baas Chable]]></surname>
<given-names><![CDATA[M. I.]]></given-names>
</name>
<name>
<surname><![CDATA[Barceló Méndez]]></surname>
<given-names><![CDATA[M. G.]]></given-names>
</name>
<name>
<surname><![CDATA[De Fátima]]></surname>
<given-names><![CDATA[H. G.]]></given-names>
</name>
</person-group>
<source><![CDATA[Metodología de la investigación]]></source>
<year>2012</year>
<publisher-name><![CDATA[Pearson Educación de México, S. A. de C.V.]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bilici]]></surname>
<given-names><![CDATA[M. R.]]></given-names>
</name>
<name>
<surname><![CDATA[Çevik]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy and cash holdings in Türkiye]]></article-title>
<source><![CDATA[Central Bank Review]]></source>
<year>2023</year>
<volume>23</volume>
<numero>4</numero>
<issue>4</issue>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Caldentey Pérez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<source><![CDATA[Apertura financiera, fragilidad financiera y políticas para la estabilidad económica. Un análisis comparativo entre regiones del mundo en desarrollo]]></source>
<year>2023</year>
<publisher-name><![CDATA[CEPAL]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Carpena]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Cole]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Shapiro]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Zia]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
</person-group>
<source><![CDATA[Unpacking the Causal Chain of Financial Literacy]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Desiyanti]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Kassim]]></surname>
<given-names><![CDATA[A. A. M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial Literacy on Business Performance: The Moderating Effect of Religiosity Among SMEs In Sumatera, Indonesia]]></article-title>
<source><![CDATA[International Journal of Academic Research in Accounting, Finance and Management Sciences]]></source>
<year>2020</year>
<volume>10</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Dimmock]]></surname>
<given-names><![CDATA[S. G.]]></given-names>
</name>
<name>
<surname><![CDATA[Kouwenberg]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Peijnenburg]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Ambiguity aversion and household portfolio choice puzzles: Empirical evidence]]></article-title>
<source><![CDATA[Journal of Financial Economics]]></source>
<year>2016</year>
<volume>119</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>559-77</page-range></nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Farrell]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Fry]]></surname>
<given-names><![CDATA[T. R. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Risse]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The significance of financial self-efficacy in explaining women&#8217;s personal finance behaviour]]></article-title>
<source><![CDATA[Journal of Economic Psychology]]></source>
<year>2016</year>
<volume>54</volume>
<page-range>85-99</page-range></nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gaudecker]]></surname>
<given-names><![CDATA[H. V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[How Does Household Portfolio Diversification Vary with Financial Literacy and Financial Advice?]]></article-title>
<source><![CDATA[The Journal of Finance]]></source>
<year>2015</year>
<volume>70</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>489-507</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Grimes]]></surname>
<given-names><![CDATA[P. W.]]></given-names>
</name>
<name>
<surname><![CDATA[Lopus]]></surname>
<given-names><![CDATA[J. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Amidjono]]></surname>
<given-names><![CDATA[D. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial life-skills training and labor market outcomes in Indonesia]]></article-title>
<source><![CDATA[International Review of Economics Education]]></source>
<year>2022</year>
<volume>41</volume>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hernández-Sampieri]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Mendoza-Torres]]></surname>
<given-names><![CDATA[C. P.]]></given-names>
</name>
</person-group>
<source><![CDATA[Metodología de la Investigación. Las rutas cuantitativa, cualitativa y mixta]]></source>
<year>2018</year>
<publisher-name><![CDATA[McGrawHill]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Klapper]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy and financial resilience: Evidence from around the world]]></article-title>
<source><![CDATA[Financial Management]]></source>
<year>2020</year>
<volume>49</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>589-614</page-range></nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kleimeier]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Hoffmann]]></surname>
<given-names><![CDATA[A. O. I.]]></given-names>
</name>
<name>
<surname><![CDATA[Broihanne]]></surname>
<given-names><![CDATA[M.-H.]]></given-names>
</name>
<name>
<surname><![CDATA[Plotkina]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Göritz]]></surname>
<given-names><![CDATA[A. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Determinants of individuals&#8217; objective and subjective financial fragility during the COVID-19 pandemic]]></article-title>
<source><![CDATA[Journal of Banking &amp; Finance]]></source>
<year>2023</year>
<volume>153</volume>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kumar]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Islam]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Pillai]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Sharif]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Analysing the behavioural, psychological, and demographic determinants of financial decision making of household investors]]></article-title>
<source><![CDATA[Heliyon]]></source>
<year>2023</year>
<volume>9</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lone]]></surname>
<given-names><![CDATA[U. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Bhat]]></surname>
<given-names><![CDATA[S. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy]]></article-title>
<source><![CDATA[Journal of Financial Services Marketing]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Economic Importance of Financial Literacy: Theory and Evidence]]></article-title>
<source><![CDATA[Journal of Economic Literature]]></source>
<year>2014</year>
<volume>52</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>5-44</page-range></nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Tufano]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Debt literacy, financial experiences, and overindebtedness]]></article-title>
<source><![CDATA[Journal of Pension Economics and Finance]]></source>
<year>2015</year>
<volume>14</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>332-68</page-range></nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La importancia económica de la alfabetización financiera: Teoría y pruebas]]></article-title>
<source><![CDATA[Boletín CEMLA]]></source>
<year>2016</year>
<page-range>301-248</page-range></nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lyons]]></surname>
<given-names><![CDATA[A. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Kass&#8208;Hanna]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A methodological overview to defining and measuring &#8220;digital&#8221; financial literacy]]></article-title>
<source><![CDATA[Financial Planning Review]]></source>
<year>2021</year>
<volume>4</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Molina-García]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Cisneros-Ruiz]]></surname>
<given-names><![CDATA[A. J.]]></given-names>
</name>
<name>
<surname><![CDATA[López-Subires]]></surname>
<given-names><![CDATA[M. D.]]></given-names>
</name>
<name>
<surname><![CDATA[Diéguez-Soto]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[How does financial literacy influence undergraduates&#8217; risk-taking propensity?]]></article-title>
<source><![CDATA[International Journal of Management Education]]></source>
<year>2023</year>
<volume>21</volume>
<numero>3</numero>
<issue>3</issue>
</nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Muñoz Rocha]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<source><![CDATA[Metodología de la investigación]]></source>
<year>2015</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[Oxford University Press]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="book">
<collab>Organización para la Cooperación y el Desarrollo Económicos</collab>
<source><![CDATA[OCDE/INFE toolkit for measuring financial literacy and financial inclusion]]></source>
<year>2015</year>
<publisher-name><![CDATA[OCDE Publishing]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="book">
<collab>Organización para la Cooperación y el Desarrollo Económicos</collab>
<source><![CDATA[Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy]]></source>
<year>2022</year>
<page-range>1-31</page-range><publisher-name><![CDATA[OECD]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Opletalová]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial Education and Financial Literacy in the Czech Education System]]></article-title>
<source><![CDATA[Procedia - Social and Behavioral Sciences]]></source>
<year>2015</year>
<volume>171</volume>
<page-range>1176-84</page-range></nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Otzen]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Manterola]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Técnicas de muestreo sobre una población a estudio]]></article-title>
<source><![CDATA[International Journal of Morphology]]></source>
<year>2017</year>
<volume>35</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>227-32</page-range></nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Owusu]]></surname>
<given-names><![CDATA[G. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Korankye]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Andankah]]></surname>
<given-names><![CDATA[N. Y. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Agyekum Donkor]]></surname>
<given-names><![CDATA[J. B.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial risk tolerance and its determinants: The perspective of personnel from security services in Ghana]]></article-title>
<source><![CDATA[Borsa Istanbul Review]]></source>
<year>2023</year>
<volume>23</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>852-64</page-range></nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Potrich]]></surname>
<given-names><![CDATA[A. C. G.]]></given-names>
</name>
<name>
<surname><![CDATA[Vieira]]></surname>
<given-names><![CDATA[K. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Kirch]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[How well do women do when it comes to financial literacy? Proposition of an indicator and analysis of gender differences]]></article-title>
<source><![CDATA[Journal of Behavioral and Experimental Finance]]></source>
<year>2018</year>
<volume>17</volume>
<page-range>28-41</page-range></nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rai]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Dua]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Yadav]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach]]></article-title>
<source><![CDATA[FIIB Business Review]]></source>
<year>2019</year>
<volume>8</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>51-60</page-range></nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rosado]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Villareal]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Stezano]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
</person-group>
<source><![CDATA[Fortalecimiento de la inclusión y capacidades financieras en el ámbito rural]]></source>
<year>2009</year>
</nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sabri]]></surname>
<given-names><![CDATA[M. F.]]></given-names>
</name>
<name>
<surname><![CDATA[Aw]]></surname>
<given-names><![CDATA[E. C.-X.]]></given-names>
</name>
<name>
<surname><![CDATA[Rahim]]></surname>
<given-names><![CDATA[H. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Burhan]]></surname>
<given-names><![CDATA[N. A. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Othmana]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Simanjuntak]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial Literacy, Behavior and Vulnerability Among Malaysian Households: Does Gender Matter?]]></article-title>
<source><![CDATA[International Journal of Economics and Management]]></source>
<year>2021</year>
<volume>15</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>241-56</page-range></nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Singh]]></surname>
<given-names><![CDATA[K. N.]]></given-names>
</name>
<name>
<surname><![CDATA[Malik]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[An empirical analysis on household financial vulnerability in India: exploring the role of financial knowledge, impulsivity and money management skills]]></article-title>
<source><![CDATA[Managerial Finance]]></source>
<year>2022</year>
<volume>48</volume>
<numero>9/10</numero>
<issue>9/10</issue>
<page-range>1391-412</page-range></nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sohn]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Joo]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Grable]]></surname>
<given-names><![CDATA[J. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Lee]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Kim]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Adolescents&#8217; financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth]]></article-title>
<source><![CDATA[Journal of Adolescence]]></source>
<year>2012</year>
<volume>35</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>969-80</page-range></nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Streiner]]></surname>
<given-names><![CDATA[D. L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Starting at the Beginning: An Introduction to Coefficient Alpha and Internal Consistency]]></article-title>
<source><![CDATA[Journal of Personality Assessment]]></source>
<year>2003</year>
<volume>80</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>99-103</page-range></nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Tan]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Cai]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Han]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Zhou]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Understanding peasant household&#8217;s land transfer decision-making: A perspective of financial literacy]]></article-title>
<source><![CDATA[Land Use Policy]]></source>
<year>2022</year>
<volume>119</volume>
</nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Tang]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Cognitive abilities, self-efficacy, and financial behavior]]></article-title>
<source><![CDATA[Journal of Economic Psychology]]></source>
<year>2021</year>
<volume>87</volume>
</nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Tezel]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial Education for Children and Youth]]></source>
<year>2015</year>
<page-range>69-92</page-range></nlm-citation>
</ref>
<ref id="B42">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Van Rooij]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Alessie]]></surname>
<given-names><![CDATA[R. J. M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial Literacy, Retirement Planning, and Household Wealth]]></article-title>
<source><![CDATA[SSRN Electronic Journal]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B43">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Dew]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Financial Management Behavior Scale: Development and Validation]]></article-title>
<source><![CDATA[Journal of Financial Counseling and Planning]]></source>
<year>2011</year>
<volume>22</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>43-59</page-range></nlm-citation>
</ref>
<ref id="B44">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Xu]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Shi]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Rong]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
<name>
<surname><![CDATA[Yuan]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy and formal credit accessibility: Evidence from informal businesses in China]]></article-title>
<source><![CDATA[Finance Research Letters]]></source>
<year>2020</year>
<volume>36</volume>
</nlm-citation>
</ref>
<ref id="B45">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Yang]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Wu]]></surname>
</name>
<name>
<surname><![CDATA[Huang]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Digital finance and financial literacy: Evidence from Chinese households]]></article-title>
<source><![CDATA[Journal of Banking &amp; Finance]]></source>
<year>2023</year>
<volume>156</volume>
</nlm-citation>
</ref>
<ref id="B46">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zhu]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Consumer financial education and risky financial asset holding in China]]></article-title>
<source><![CDATA[International Journal of Consumer Studies]]></source>
<year>2022</year>
<volume>46</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>56-74</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
