<?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>2708-0412</journal-id>
<journal-title><![CDATA[Revista científica en ciencias sociales]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. cient. cienc. soc.]]></abbrev-journal-title>
<issn>2708-0412</issn>
<publisher>
<publisher-name><![CDATA[Universidad del Pacífico]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2708-04122026000100235</article-id>
<article-id pub-id-type="doi">10.53732/rccsociales/e8856</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Educación financiera y su factor predictor con el nivel de endeudamiento en trabajadores de PYMES peruanas]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial education and its predictive factor for debt levels among Peruvian SME workers]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Navarro Zevallos]]></surname>
<given-names><![CDATA[Brayan]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ramírez Rengifo]]></surname>
<given-names><![CDATA[Leydi Viviana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Montenegro Paz]]></surname>
<given-names><![CDATA[María Etelvina]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Carranza Molina]]></surname>
<given-names><![CDATA[Marisol]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad César Vallejo Escuela de Posgrado ]]></institution>
<addr-line><![CDATA[Trujillo ]]></addr-line>
<country>Perú</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2026</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2026</year>
</pub-date>
<volume>8</volume>
<fpage>235</fpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_arttext&amp;pid=S2708-04122026000100235&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_abstract&amp;pid=S2708-04122026000100235&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_pdf&amp;pid=S2708-04122026000100235&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El objetivo de la investigación es determinar la relación de educación financiera y el nivel de endeudamiento en trabajadores de pymes peruanas. Se empleó una metodología de enfoque cuantitativo, tipo no experimental, transversal, descriptivo y correlacional. Se aplicó una encuesta utilizando dos instrumentos. Para la variable educación financiera, se empleó un cuestionario compuesto por 22 ítems organizados en tres dimensiones, con una escala tipo Likert de cuatro puntos (George et al.). Por su parte, para medir la variable endeudamiento se utilizó el instrumento propuesto por Denegri et al., el cual consta de 11 ítems, también con escala tipo Likert de cuatro puntos. Asimismo, la muestra estuvo conformada por 258 trabajadores. Los datos fueron analizados con el sistema estadístico SPSS analizando tablas descriptivas, prueba de correlación, evidenciando una relación significativa entre educación financiera y endeudamiento (Rho=,454), conocimiento financiero y endeudamiento (Rho=1,00), comportamiento financiero y endeudamiento (Rho=,729), actitud financiera y endeudamiento (Rho = ,594). Los resultados muestran que los trabajadores con mayor educación financiera presentan mejores prácticas para no incurrir en endeudamiento. Una vez analizados los resultados se concluye que fortalecer la educación financiera en trabajadores de pymes puede contribuir a reducir los niveles de endeudamiento.  Palabras clave actitud financiera comportamiento financiero conocimiento financiero educación financiera endeudamiento financiero Perú]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT The objective of this study is to determine the relationship between financial education and the level of indebtedness among workers in Peruvian small-to-medium enterprises (SMEs). A quantitative, non-experimental, cross-sectional, descriptive, and correlational methodology was employed. A survey was administered using two instruments. For the financial education variable, a questionnaire consisting of 22 items organized into three dimensions was used, with a four-point Likert scale (George et al.). For the debt variable, the instrument proposed by Denegri et al. was used, which consists of 11 items, also with a four-point Likert scale. The sample comprised 258 workers. The data were analyzed using the SPSS statistical system, which included descriptive tables and correlation tests, showing a significant relationship between financial education and financial debts (Rho = .454), financial knowledge and financial debts (Rho = 1.00), financial behavior and financial debts (Rho = .729), and financial attitude and financial debts (Rho = .594). The results indicate that workers with stronger financial literacy skills are more likely to engage in effective debt avoidance strategies. After analyzing the results, it was concluded that strengthening financial education among SME workers could help reduce debt levels.  Keywords financial attitude financial behavior financial knowledge financial education financial debt Peru]]></p></abstract>
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