<?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>2076-054X</journal-id>
<journal-title><![CDATA[Población y Desarrollo ]]></journal-title>
<abbrev-journal-title><![CDATA[Poblac.Desarro.]]></abbrev-journal-title>
<issn>2076-054X</issn>
<publisher>
<publisher-name><![CDATA[FACULTAD DE CIENCIAS ECONÓMICAS- UNA]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2076-054X2025006100091</article-id>
<article-id pub-id-type="doi">10.18004/pdfce/2076-054x/2025.031.61.091</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Análisis de factores sociodemográficos predictivos del estrés financiero en México. Año 2023]]></article-title>
<article-title xml:lang="en"><![CDATA[Analysis of sociodemographic factors predicting financial stress in Mexico, 2023]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Atlatenco Ibarra]]></surname>
<given-names><![CDATA[Quetzalli]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Hernández González]]></surname>
<given-names><![CDATA[Salvador]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Virtual de Estado de Guanajuato  ]]></institution>
<addr-line><![CDATA[Guanajuato ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Tecnológico Nacional de México en Celaya  ]]></institution>
<addr-line><![CDATA[Guanajuato ]]></addr-line>
<country>México</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<volume>31</volume>
<numero>61</numero>
<fpage>91</fpage>
<lpage>105</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_arttext&amp;pid=S2076-054X2025006100091&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_abstract&amp;pid=S2076-054X2025006100091&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_pdf&amp;pid=S2076-054X2025006100091&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El estrés financiero, entendido como el estado de tensión generada por la incapacidad de cubrir obligaciones económicas o por la incertidumbre financiera, se ha convertido en un problema creciente en México. Este estudio analiza los factores sociodemográficos y financieros que predicen su presencia en la población adulta, utilizando datos de la Encuesta Nacional de Salud Financiera (2023) del INEGI. Mediante el método CHAID (Chi-squared Automatic Interaction Detector), se desarrollaron tres modelos segmentados por grupos de edad: jóvenes (18-29 años), adultos (30-59 años) y adultos mayores (60 años o más). Los resultados revelaron que, entre los jóvenes, la variable más predictiva fue tener dependientes económicos, lo que incrementa significativamente el riesgo de estrés financiero. En el caso de los adultos, el sexo fue el factor determinante, mostrando que las mujeres experimentan mayores niveles de estrés en comparación con los hombres. Para los adultos mayores, la actividad económica surgió como el principal predictor. Estos hallazgos destacan la importancia de abordar el estrés financiero con políticas públicas diferenciadas, como programas de educación financiera para jóvenes, iniciativas de inclusión laboral para mujeres adultas y fortalecimiento de los sistemas de pensiones para los adultos mayores. La investigación no solo contribuye a la comprensión de las causas del estrés financiero en México, sino que también ofrece insumos para el diseño de estrategias alineadas con el Objetivo de Desarrollo Sostenible 1 (ODS 1: "Fin de la pobreza"), enfatizando la necesidad de intervenciones específicas que consideren las particularidades de cada grupo etario.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT Financial stress, understood as a state of tension caused by the inability to meet financial obligations or due to financial uncertainty, has become a growing problem in Mexico. This study analyzes the sociodemographic and financial factors that predict its presence in the adult population, using data from the National Financial Health Survey (2023) conducted by INEGI. Using the CHAID method (Chi-squared Automatic Interaction Detector), three age-segmented models were developed: young adults (18-29 years), adults (30-59 years), and older adults (60 years or older). The results revealed that for young adults, the most predictive variable was having financial dependents, which significantly increases the risk of financial stress. Among adults, gender was the determining factor, showing that women experience higher stress levels compared to men. For older adults, economic activity emerged as the primary predictor. These findings highlight the importance of addressing financial stress through differentiated public policies, such as financial education programs for youth, labor inclusion initiatives for adult women, and strengthening pension systems for older adults. This research not only contributes to understanding the causes of financial stress in Mexico but also provides inputs for designing strategies aligned with Sustainable Development Goal 1 (SDG 1: "No Poverty"), emphasizing the need for targeted interventions that consider the specific characteristics of each age group.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Análisis estadístico]]></kwd>
<kwd lng="es"><![CDATA[Bienestar social]]></kwd>
<kwd lng="es"><![CDATA[Competencias para la vida]]></kwd>
<kwd lng="es"><![CDATA[Estadísticas financieras]]></kwd>
<kwd lng="es"><![CDATA[Recursos económicos]]></kwd>
<kwd lng="en"><![CDATA[Statistical analysis]]></kwd>
<kwd lng="en"><![CDATA[Social welfare]]></kwd>
<kwd lng="en"><![CDATA[Life skills]]></kwd>
<kwd lng="en"><![CDATA[Financial statistics]]></kwd>
<kwd lng="en"><![CDATA[Economic resources]]></kwd>
</kwd-group>
</article-meta>
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