<?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>2409-8752</journal-id>
<journal-title><![CDATA[Revista Científica de la UCSA]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. ciente. UCSA]]></abbrev-journal-title>
<issn>2409-8752</issn>
<publisher>
<publisher-name><![CDATA[Universidad del Cono Sur de las Américas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2409-87522026000100047</article-id>
<article-id pub-id-type="doi">10.18004/ucsa/2409-8752/2026.013.01.047</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[De la inclusión a la sostenibilidad: el rol de la educación financiera en las cooperativas del Ecuador]]></article-title>
<article-title xml:lang="en"><![CDATA[From inclusion to sustainability: the role of financial education in cooperatives in Ecuador]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Izaguirre Olmedo]]></surname>
<given-names><![CDATA[Jorge A.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Rangel Luzuriaga]]></surname>
<given-names><![CDATA[Ernesto W.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Internacional del Ecuador  ]]></institution>
<addr-line><![CDATA[Guayaquil ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2026</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2026</year>
</pub-date>
<volume>13</volume>
<numero>1</numero>
<fpage>47</fpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_arttext&amp;pid=S2409-87522026000100047&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_abstract&amp;pid=S2409-87522026000100047&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_pdf&amp;pid=S2409-87522026000100047&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El presente estudio analiza el impacto de la educación financiera en la sostenibilidad de las cooperativas de ahorro y crédito en Ecuador, en el marco de los retos que enfrentan estas instituciones del sistema financiero popular y solidario. Se aplicó una metodología cuantitativa de alcance causal, con una muestra no probabilística de 102 usuarios de servicios cooperativos. Los datos se recolectaron mediante un cuestionario estructurado y se procesaron utilizando el software SmartPLS, a través de la técnica de ecuaciones estructurales (PLS-SEM). Los resultados muestran que la educación financiera explica un 32 % de la varianza en la percepción de sostenibilidad, con un efecto positivo y estadísticamente significativo (&#946; = 0.570; p &lt; 0.001). Asimismo, se verificó la fiabilidad y validez de los constructos, confirmando la consistencia del modelo propuesto. Estos hallazgos evidencian que la alfabetización financiera constituye un factor estratégico para fortalecer la resiliencia y estabilidad de las cooperativas, al potenciar la confianza de sus socios y promover prácticas de ahorro y crédito responsables. El estudio aporta evidencia empírica relevante para el diseño de programas de capacitación financiera y para la formulación de políticas públicas que favorezcan la sostenibilidad del sistema cooperativo en Ecuador.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT This study examines the impact of financial literacy on the sustainability of savings and credit cooperatives in Ecuador, considering the challenges faced by these institutions within the popular and solidarity-based financial system. A quantitative, causal research design was employed, using a non-probabilistic sample of 102 cooperative users. Data were collected through a structured questionnaire and analyzed with SmartPLS software applying the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique. Findings indicate that financial literacy accounts for 32% of the variance in sustainability perception, with a positive and statistically significant effect (&#946; = 0.570; p &lt; 0.001). The reliability and validity of the constructs were confirmed, supporting the robustness of the proposed model. These results highlight financial literacy as a strategic factor to strengthen the resilience and stability of cooperatives by enhancing member trust and encouraging responsible saving and credit practices. The study provides relevant empirical evidence for the design of financial education programs and the development of public policies aimed at improving the sustainability of the cooperative system in Ecuador.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
<kwd lng="es"><![CDATA[sostenibilidad]]></kwd>
<kwd lng="es"><![CDATA[cooperativas de ahorro y crédito]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[PLS-SEM]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="en"><![CDATA[sustainability]]></kwd>
<kwd lng="en"><![CDATA[savings and credit cooperatives]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[PLS-SEM]]></kwd>
</kwd-group>
</article-meta>
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