Browsing by Author "Zhañay Zenteno Mariuxi Dayanna"

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    Déficit de cultura y planificación financiera en jóvenes universitarios del Instituto Superior Tecnológico Sudamericano: impacto en el sobreendeudamiento y la estabilidad económica
    (Instituto Superior Tecnológico Particular Sudamericano, 2026) Reinoso Muñoz Luis Fernando; Zhañay Zenteno Mariuxi Dayanna
    This research aimed to analyze the relationship between financial literacy, financial planning, and over-indebtedness among students at the Instituto Superior Tecnológico Sudamericano, with the goal of identifying determining factors and suggesting strategies to strengthen financial literacy and foster proper management of economic resources. The study employed a mixed-methods approach, integrating qualitative and quantitative elements to gain a comprehensive understanding of the phenomenon. It was a descriptive, correlational field study using a non-experimental, cross sectional design. The study population consisted of 493 students across various ages, majors, and academic levels. The results revealed that a large proportion of students possess limited financial knowledge, demonstrate poor saving habits, and do not practice personal budgeting. Similarly, a significant number of respondents held outstanding debts and faced difficulties meeting their obligations, resulting in delayed payments. Furthermore, financial concerns were found to significantly impact academic performance, emotional stability, and the continuity of their education. The study concludes that there is a direct link between inadequate financial literacy and planning and high levels of indebtedness among students at the Instituto Superior Tecnológico Sudamericano, which considerably affects their economic stability. Based on these findings, a personal budget template was designed to help improve the students' overall financial organization.