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Alvarez, A., (2024). Cultura financiera y endeudamiento de clientes de una institución financiera, 2022 [Tesis, Universidad Privada del Norte]. https://hdl.handle.net/11537/37836
Alvarez, A., Cultura financiera y endeudamiento de clientes de una institución financiera, 2022 [Tesis]. PE: Universidad Privada del Norte; 2024. https://hdl.handle.net/11537/37836
@mastersthesis{renati/953822,
title = "Cultura financiera y endeudamiento de clientes de una institución financiera, 2022",
author = "Alvarez Ayala de Usuriaga, Angela Lisbeth",
publisher = "Universidad Privada del Norte",
year = "2024"
}
Title: Cultura financiera y endeudamiento de clientes de una institución financiera, 2022
Authors(s): Alvarez Ayala de Usuriaga, Angela Lisbeth
Advisor(s): Casavilca Maldonado, Edmundo
Keywords: Finanzas; Deuda; Créditos; Ahorro; Administración financiera
OCDE field: https://purl.org/pe-repo/ocde/ford#5.02.01
Issue Date: 20-Jul-2024
Institution: Universidad Privada del Norte
Abstract: Este tema de estudio tiene como intención comparar la relación entre la cultura financiera y el endeudamiento de clientes de una institución financiera,2022, Para la presente investigación, se usó como tipo de investigación la básica y el alcance es correlacional, el diseño utilizado es transversal y el método de investigación es hipotético-deductivo. La población de estudio es de 120 la cual está conformada por el promedio diario de clientes que asisten a una institución financiera mayores de 25 años. Para determinar una muestra óptima, se utilizó el muestreo para una variable cualitativa y población finita así mismo la unidad de estudio son los clientes de una institución financiera así mismo la técnica aplicada usada fue la encuesta que permitió la recopilación de datos. De los resultados se exponen los estadísticos en cuanto al grado de correlación entre las variables, determinada por el Rho de Spearman de 0,208 la cual significa que existe una baja relación significativa y positiva entre las variables, frente al (grado de significación estadística) p < 0,05, por lo que rechazamos la hipótesis nula y aceptando la hipótesis alterna. Finalmente se concluyó que luego de analizar la relación entre la cultura financiera y el endeudamiento de clientes de una institución financiera, logramos evidenciar que existe una relación debil pero existente y la urgencia de mejorar la cultura financiera para mejorar los niveles
de endeudamiento. Según la encuesta realizada el 65.2% manifiesta tener algún problema de cultura financiera, por ello es un problema por resolver en el corto plazo por parte de las entidades relacionadas. Si bien este estudio se enfocó exclusivamente en los que ya son clientes de entidades financieras, se puede trasladar a otros segmentos o nuevos clientes de otras edades para conocer los resultados y comparar los niveles de cultura respeto al endeudamiento.
This study topic intends to compare the relationship between financial culture and the indebtedness of clients of a financial institution, 2022. For this research, the basic and correlational research model was used, the design used is transversal and the method research is hypothetical-deductive. The study population is 120, which is made up of the daily average of clients who attend a financial institution over 25 years of age. To determine an optimal sample, sampling was used for a qualitative variable and a finite population. Likewise, the unit of study is the clients of a financial institution. Likewise, the applied technique used was the survey that allowed the collection of data. From the results, the statistics are presented regarding the degree of correlation between the variables, determined by Spearman's Rho of 0.208, which means that there is a low significant and positive relationship between the variables, compared to the (degree of statistical significance) p < 0.05, so we reject the null hypothesis and accept the alternative hypothesis. Finally, it was concluded that after analyzing the relationship between financial culture and the debt of clients of a financial institution, we were able to show that there is a relationship and the urgency of improving financial culture to improve debt levels. According to the survey carried out, 65.2% say they have some financial culture problem, which is why it is a problem to be resolved in the short term by related entities. Although this study focused exclusively on those who are already clients of financial institutions, it can be transferred to other segments or new clients of other ages to know the results and compare the levels of culture regarding debt.
This study topic intends to compare the relationship between financial culture and the indebtedness of clients of a financial institution, 2022. For this research, the basic and correlational research model was used, the design used is transversal and the method research is hypothetical-deductive. The study population is 120, which is made up of the daily average of clients who attend a financial institution over 25 years of age. To determine an optimal sample, sampling was used for a qualitative variable and a finite population. Likewise, the unit of study is the clients of a financial institution. Likewise, the applied technique used was the survey that allowed the collection of data. From the results, the statistics are presented regarding the degree of correlation between the variables, determined by Spearman's Rho of 0.208, which means that there is a low significant and positive relationship between the variables, compared to the (degree of statistical significance) p < 0.05, so we reject the null hypothesis and accept the alternative hypothesis. Finally, it was concluded that after analyzing the relationship between financial culture and the debt of clients of a financial institution, we were able to show that there is a relationship and the urgency of improving financial culture to improve debt levels. According to the survey carried out, 65.2% say they have some financial culture problem, which is why it is a problem to be resolved in the short term by related entities. Although this study focused exclusively on those who are already clients of financial institutions, it can be transferred to other segments or new clients of other ages to know the results and compare the levels of culture regarding debt.
Link to repository: https://hdl.handle.net/11537/37836
Discipline: Maestría en Finanzas Corporativas
Grade or title grantor: Universidad Privada del Norte. Escuela de Posgrado y Estudios Continuos
Grade or title: Maestra en Finanzas Corporativas
Juror: Panez Bendezu, Miguel Humberto; Briceño Morales, Jaime Rodolfo; Infante Linares, Jocelyn Ruth
Register date: 3-Oct-2024
This item is licensed under a Creative Commons License