<?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>S2007-74672022000200040</article-id>
<article-id pub-id-type="doi">10.23913/ride.v13i25.1311</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Efecto covid-19 en las finanzas personales en alumnos de pregrado]]></article-title>
<article-title xml:lang="en"><![CDATA[COVID-19 Effect on Personal Finances in Undergraduate Students]]></article-title>
<article-title xml:lang="pt"><![CDATA[Efeito da Covid-19 nas finanças pessoais em estudantes de graduação]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Reus González]]></surname>
<given-names><![CDATA[Nadia Natasha]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Campos Reyes]]></surname>
<given-names><![CDATA[Víctor]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Reus González]]></surname>
<given-names><![CDATA[Tania]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Macías Ocampo]]></surname>
<given-names><![CDATA[Miriam Judith]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Guadalajara Centro Universitario de los Altos ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de Guadalajara Centro Universitario de los Altos ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad de Guadalajara Preparatoria No. 7. ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad de Guadalajara Centro Universitario de los Altos ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2022</year>
</pub-date>
<volume>13</volume>
<numero>25</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2007-74672022000200040&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2007-74672022000200040&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2007-74672022000200040&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de esta investigación fue identificar el efecto covid-19 sobre las finanzas personales en alumnos de pregrado del Centro Universitario de los Altos de la Universidad de Guadalajara. Se trabajó con 342 casos, de los que se analizaron pruebas de independencia estadística entre variables. Entre los principales resultados destaca que para 49.1 % de los estudiantes el ingreso proviene de sus padres y que más de 50 % de los alumnos vieron afectados sus ingresos y sus gastos se modificaron como efecto de la pandemia. Por otro lado, un alto porcentaje mostró tener el hábito del ahorro (83.6 %), de por lo menos 10 % de sus ingresos, aunque no consideraron tener un ahorro adicional como efecto de la pandemia. Asimismo, 84.5 % de ellos indicaron no tener que recurrir a un endeudamiento. En suma, el efecto covid-19 fue negativo en los ingresos de los estudiantes. Los encuestados señalaron en su mayoría que los gastos aumentaron con la pandemia.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective of this research was to identify the covid-19 effect on personal finances in undergraduate students at the Centro Universitario de los Altos of the University of Guadalajara. We worked with 342 cases, from which we analyzed tests of statistical independence between variables. Among the main results, it was found that for 49.1 % of the students the income comes from their parents and that more than 50 % of the students had their income affected and their expenses were modified as an effect of the pandemic. On the other hand, a high percentage showed a savings habit (83.6 %), of at least 10 % of their income, although they did not consider having additional savings as an effect of the pandemic. Likewise, 84.5 % of them indicated not having to resort to indebtedness. In sum, the covid-19 effect was negative on student income. Respondents overwhelmingly indicated that expenses increased with the pandemic.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo O objetivo desta pesquisa foi identificar o efeito da covid-19 nas finanças pessoais em estudantes de graduação do Centro Universitário Los Altos da Universidade de Guadalajara. Trabalhamos com 342 casos, dos quais foram analisados testes de independência estatística entre variáveis. Entre os principais resultados, destaca-se que para 49,1% dos alunos a renda vem dos pais e que mais de 50% dos alunos viram sua renda afetada e suas despesas alteradas em decorrência da pandemia. Por outro lado, uma alta porcentagem mostrou que tinha o hábito de poupar (83,6%), de pelo menos 10% de sua renda, embora não considerasse ter poupança adicional como efeito da pandemia. Da mesma forma, 84,5% deles indicaram não ter que recorrer ao endividamento. Em suma, o efeito da covid-19 foi negativo no rendimento dos alunos. A maioria dos entrevistados observou que as despesas aumentaram com a pandemia.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
<kwd lng="es"><![CDATA[finanzas personales]]></kwd>
<kwd lng="es"><![CDATA[planeación financiera]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="en"><![CDATA[personal finance]]></kwd>
<kwd lng="en"><![CDATA[financial planning]]></kwd>
<kwd lng="pt"><![CDATA[educação financeira]]></kwd>
<kwd lng="pt"><![CDATA[finanças pessoais]]></kwd>
<kwd lng="pt"><![CDATA[planejamento financeiro]]></kwd>
</kwd-group>
</article-meta>
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