<?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>2226-4000</journal-id>
<journal-title><![CDATA[Revista Internacional de Investigación en Ciencias Sociales]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. Int. Investig. Cienc. Soc.]]></abbrev-journal-title>
<issn>2226-4000</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma de Asunción]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2226-40002016000200175</article-id>
<article-id pub-id-type="doi">10.18004/riics.2016.diciembre.175-190</article-id>
<title-group>
<article-title xml:lang="pt"><![CDATA[Determinantes Comportamentais da Propensão ao Endividamento: Análise da Influência do Gênero]]></article-title>
<article-title xml:lang="en"><![CDATA[Behavioral Determinants of Propensity to Indebtedness: Gender Influence Analysis]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mendonça Flores]]></surname>
<given-names><![CDATA[Silvia Amélia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mendes Vieira]]></surname>
<given-names><![CDATA[Kelmara]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidade Federal de Santa Maria  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Brazil</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidade Federal de Santa Maria  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Brazil</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2016</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2016</year>
</pub-date>
<volume>12</volume>
<numero>2</numero>
<fpage>175</fpage>
<lpage>190</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_arttext&amp;pid=S2226-40002016000200175&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_abstract&amp;pid=S2226-40002016000200175&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_pdf&amp;pid=S2226-40002016000200175&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="pt"><p><![CDATA[RESUMO O estudo analisou os determinantes comportamentais da propensão ao endividamento, avaliando as diferenças no gênero. Conforme a literatura, homens e mulheres diferem em suas decisões, sendo esses aspectos influenciados por questões psicológicas e comportamentais. Para compreender a propensão ao endividamento utilizou-se o modelo de Flores e Vieira (2014), que realizaram uma pesquisa no município de Santa Maria, Rio Grande do Sul, Brasil. A fim de avaliar o efeito do gênero no modelo integrado aplicou-se a análise multigrupo de invariância. Os resultados demonstraram que os homens tendem a maiores níveis de emoções, comportamento de risco e atribuem maior valor ao dinheiro.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT: This study examined the behavioral determinants of propensity to indebtedness, evaluating the differences in gender. According to literature, men and women differ in their decisions, and these aspects are influenced by psychological and behavioral issues. To understand the propensity to indebtedness, it was used the model of Flores and Vieira (2014), which conducted a survey in the city of Santa Maria, Rio Grande do Sul, Brazil. In order to evaluate the effects of gender on the integrated model, was applied the multi-group invariance analysis. The results showed that men tend to have higher levels of emotions, risk behavior and give more value to money.]]></p></abstract>
<kwd-group>
<kwd lng="pt"><![CDATA[Fatores Comportamentais]]></kwd>
<kwd lng="pt"><![CDATA[Endividamento]]></kwd>
<kwd lng="pt"><![CDATA[Gênero]]></kwd>
<kwd lng="en"><![CDATA[Behavioral factors]]></kwd>
<kwd lng="en"><![CDATA[Indebtedness]]></kwd>
<kwd lng="en"><![CDATA[Gender]]></kwd>
</kwd-group>
</article-meta>
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