<?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>S2448-66552024000100165</article-id>
<article-id pub-id-type="doi">10.24275/uam/azc/dcsh/ae/2024v39n100/osorio</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Resiliencia Financiera en dueños de MiPyMe en México. Un estudio en contexto de crisis económica]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial Resilience on MSME owners in Mexico. A study in the context of economic crisis]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Osorio Novela]]></surname>
<given-names><![CDATA[Germán]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Gonzalez Arzabal]]></surname>
<given-names><![CDATA[Nidia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mungaray Lagarda]]></surname>
<given-names><![CDATA[Alejandro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma de Baja California  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma de Baja California  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Autónoma de Baja California  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2024</year>
</pub-date>
<volume>39</volume>
<numero>100</numero>
<fpage>165</fpage>
<lpage>181</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-66552024000100165&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-66552024000100165&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-66552024000100165&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La resiliencia financiera es una facultad que mejora las capacidades de las empresas para identificar problemas financieros, resistirlos, afrontarlos y recuperarse rápidamente ante una situación de crisis económica, como la generada por el COVID-19. El objetivo del presente artículo es determinar los efectos de la resiliencia financiera sobre el bienestar económico de la MiPyMe en Baja California, México. Se estima un índice de bienestar económico con base en la metodología de OECD/INFE (2020) y un modelo econométrico con información de 465 empresarios para probar que la resiliencia financiera atenuó los choques económicos en las MiPyMe durante el periodo reciente de crisis económica. Los resultados sugieren que, si bien el déficit económico afectó negativamente al bienestar económico de la MiPyMe, la mayoría de empresarios prefirieron ser prudentes, soportando déficits y evitar nuevos instrumentos financieros. Se evidenció que los empresarios de MiPyMe buscaron a través de la prudencia financiera restablecer y mejorar su bienestar económico.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Financial resilience is a faculty that improves the capabilities of companies to identify financial problems, resist them, confront them and recover quickly in the face of an economic crisis, such as that generated by COVID-19. The objective of this article is to determine the effects of financial resilience on the economic well-being of MSMEs in Baja California, Mexico. An economic well-being index is estimated based on the OECD/INFE (2020) methodology and an econometric model with information from 465 entrepreneurs to prove that financial resilience attenuated economic shocks in MSMEs during the recent period of economic crisis. The results suggest that, although the economic deficit negatively affected the economic well-being of the MSME, the majority of entrepreneurs preferred to be prudent, supporting deficits and avoiding new financial instruments. It was evident that MSME entrepreneurs sought to restore and improve their economic well-being through financial prudence.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Resiliencia financiera]]></kwd>
<kwd lng="es"><![CDATA[Inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[Bienestar Económico]]></kwd>
<kwd lng="es"><![CDATA[Crisis Económica]]></kwd>
<kwd lng="es"><![CDATA[MiPyMe]]></kwd>
<kwd lng="en"><![CDATA[Financial resilience]]></kwd>
<kwd lng="en"><![CDATA[Financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[Economic well-being]]></kwd>
<kwd lng="en"><![CDATA[Economic crisis]]></kwd>
<kwd lng="en"><![CDATA[MSME&#8217;s]]></kwd>
</kwd-group>
</article-meta>
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