<?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>2414-8938</journal-id>
<journal-title><![CDATA[Academo (Asunción)]]></journal-title>
<abbrev-journal-title><![CDATA[Acad. (Asunción)]]></abbrev-journal-title>
<issn>2414-8938</issn>
<publisher>
<publisher-name><![CDATA[Universidad Americana ]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2414-89382025000100207</article-id>
<article-id pub-id-type="doi">10.30545/academo.2025.n1.1055</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Factores determinantes que influyen en la alfabetización financiera. Una aproximación teórica]]></article-title>
<article-title xml:lang="en"><![CDATA[Determinant factors that influence financial literacy. A theoretical approach]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Zorrilla Ojeda]]></surname>
<given-names><![CDATA[Cira Edith]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Americana  ]]></institution>
<addr-line><![CDATA[Asunción ]]></addr-line>
<country>Paraguay</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2025</year>
</pub-date>
<volume>12</volume>
<numero>1</numero>
<fpage>207</fpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_arttext&amp;pid=S2414-89382025000100207&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_abstract&amp;pid=S2414-89382025000100207&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_pdf&amp;pid=S2414-89382025000100207&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN La alfabetización financiera es clave para la administración responsable de las finanzas personales, siendo un componente esencial para la vida adulta exitosa. Esta revisión bibliográfica empleó una revisión exploratoria en bases de datos académicas como Scopus, Google Scholar y Cicco, buscando estudios que abordaran la educación financiera a nivel internacional y en contextos latinoamericanos. Se seleccionaron 22 documentos publicados entre 2005 y 2023, especialmente en español e inglés. Este trabajo se enfoca en identificar los factores determinantes que influyen en la alfabetización financiera, identificándose cinco factores clave: características individuales, factores socioeconómicos, intervenciones educativas, tecnologías digitales e influencias culturales. Estos factores tienen un impacto significativo en la toma de decisiones financieras, la acumulación de riqueza y el bienestar financiero general.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT Financial literacy is key to responsible management of personal finances, being an essential component for successful adult life. This literature review used an exploratory review in academic databases such as Scopus, Google Scholar and Cicco, searching for studies that addressed financial education internationally and in Latin American contexts. 22 documents published between 2005 and 2023 were selected, especially in Spanish and English. This work focuses on identifying the determining factors that influence financial literacy, identifying five key factors: individual characteristics, socioeconomic factors, educational interventions, digital technologies and cultural influences. These factors have a significant impact on financial decision making, wealth accumulation, and overall financial well-being.]]></p></abstract>
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<kwd lng="es"><![CDATA[Alfabetización financiera]]></kwd>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
<kwd lng="es"><![CDATA[determinantes]]></kwd>
<kwd lng="es"><![CDATA[factores]]></kwd>
<kwd lng="es"><![CDATA[Latinoamérica]]></kwd>
<kwd lng="en"><![CDATA[Financial literacy]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="en"><![CDATA[determinants]]></kwd>
<kwd lng="en"><![CDATA[factors]]></kwd>
<kwd lng="en"><![CDATA[Latin America]]></kwd>
</kwd-group>
</article-meta>
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