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RIDE. Revista Iberoamericana para la Investigación y el Desarrollo Educativo
versión On-line ISSN 2007-7467
Resumen
LOPEZ TORRES, Virginia Guadalupe; MONSERRAT VALENZUELA MONTOYA, Mariana y LIZARRAGA BENITEZ, Roman III. Financial education, materialism and the value of money: its effect on college students' indebtedness. RIDE. Rev. Iberoam. Investig. Desarro. Educ [online]. 2024, vol.15, n.29, e697. Epub 31-Dic-2024. ISSN 2007-7467. https://doi.org/10.23913/ride.v15i29.2015.
The tendency to incur debt in the Mexican population increases financing costs and the probability of default. In this sense, this paper analyzes the impact of financial education, the value of money and materialism on indebtedness among university students in Baja California. The research is quantitative, non-probabilistic and cross-sectional, with a random sample of 333 subjects. The relationships between constructs were tested using partial least squares (PLS) models. The results show that five of the six proposed relationships are statistically significant: financial education and the value of money positively affect indebtedness. The model weakly explains indebtedness (0.238) and the value of money (0.147). This research contributes to the knowledge of indebtedness in young and adult university students by considering new factors that influence their decision to make purchases on credit that lead them to become indebted.
Palabras llave : indebtedness; financial education; university students; materialism; value of money.