<?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>0186-1042</journal-id>
<journal-title><![CDATA[Contaduría y administración]]></journal-title>
<abbrev-journal-title><![CDATA[Contad. Adm]]></abbrev-journal-title>
<issn>0186-1042</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Facultad de Contaduría y Administración]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0186-10422017000300843</article-id>
<article-id pub-id-type="doi">10.1016/j.cya.2016.03.002</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Acceso y uso de los mercados financieros para el pago de los gastos de la educación básica]]></article-title>
<article-title xml:lang="en"><![CDATA[Access and use of financial markets for basic education expenses]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Raccanello]]></surname>
<given-names><![CDATA[Kristiano]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Carrillo Cubillas]]></surname>
<given-names><![CDATA[Laura Elena]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Guzmán Yerena]]></surname>
<given-names><![CDATA[Mariana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,El Colegio de Tlaxcala A.C  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af2">
<institution><![CDATA[,Galilei A.C.  ]]></institution>
<addr-line><![CDATA[ Puebla]]></addr-line>
<country>México</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Deloitte  ]]></institution>
<addr-line><![CDATA[Ciudad de México ]]></addr-line>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2017</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2017</year>
</pub-date>
<volume>62</volume>
<numero>3</numero>
<fpage>843</fpage>
<lpage>860</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0186-10422017000300843&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0186-10422017000300843&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0186-10422017000300843&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[A raíz de la crisis financiera del 2008, el ajuste macroeconómico ha afectado a los hogares mexicanos a través de un mayor desempleo y una caída del poder adquisitivo. También, las familias tenían que seguir financiando los gastos en educación, a veces endeudándose en el mercado financiero formal o informal. La hipótesis de este artículo propone que el acceso y el uso de los productos financieros formales e informales permiten reducir los problemas financieros asociados con los gastos escolares en los niveles de educación básica. El modelo probit se estima con una muestra constituida por cuatrocientos hogares que residen en el municipio de San Pedro Cholula (estado de Puebla). Los resultados indican que un empeoramiento de las condiciones laborales y la pérdida del empleo se asocian con una mayor probabilidad de enfrentar dificultades financieras. Asimismo, el acceso al mercado financiero formal permite reducir la probabilidad de enfrentar estas dificultades, mientras que para el informal los resultados están en función de las características de cada intermediario financiero.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[As a result of the financial crisis of 2008, the macroeconomic adjustment has affected Mexican homes through greater unemployment and a drop in purchasing power. Moreover, families had to keep financing education costs, sometimes going into debt in the formal or informal financial market. The hypothesis of this article proposes that the access and use of formal and informal financial products makes it possible to reduce financial problems associated to education expenses at the basic education levels. The probit model is estimated with a sample comprised of four hundred homes in the municipality of San Pedro Cholula (state of Puebla). The results indicate that a worsening in the work conditions and the loss of employment are associated to a greater probability of facing financial difficulties. Likewise, the access to the formal financial market allows reducing the probability of facing these difficulties, whereas for the informal market the results are a function of the characteristics of each financial intermediary.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Financiamiento de la educación]]></kwd>
<kwd lng="es"><![CDATA[Gasto privado]]></kwd>
<kwd lng="es"><![CDATA[Mercados financieros]]></kwd>
<kwd lng="es"><![CDATA[México]]></kwd>
<kwd lng="en"><![CDATA[Educational financing]]></kwd>
<kwd lng="en"><![CDATA[Private expense]]></kwd>
<kwd lng="en"><![CDATA[Financial markets]]></kwd>
<kwd lng="en"><![CDATA[Mexico]]></kwd>
</kwd-group>
</article-meta>
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