<?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>S2414-89382025000200209</article-id>
<article-id pub-id-type="doi">10.30545/academo.2025.n2.1084</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Escala de conductas de ahorro para adultos de Buenos Aires, Argentina]]></article-title>
<article-title xml:lang="en"><![CDATA[Savings behaviors scale for adults in Buenos Aires, Argentina]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Jares]]></surname>
<given-names><![CDATA[Agustín Gabriel]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Pablo Abal]]></surname>
<given-names><![CDATA[Facundo Juan]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
<xref ref-type="aff" rid="Aaf"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Buenos Aires Facultad de Psicología ]]></institution>
<addr-line><![CDATA[Ciudad Autónoma de Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Consejo Nacional de Investigaciones Científicas y Técnicas  ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</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>2</numero>
<fpage>209</fpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_arttext&amp;pid=S2414-89382025000200209&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_abstract&amp;pid=S2414-89382025000200209&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_pdf&amp;pid=S2414-89382025000200209&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN Se presenta el proceso de construcción de una escala para medir conductas de Ahorro, dado que son cruciales para alcanzar estabilidad y el cumplimiento de metas, especialmente en economías inestables como la argentina. Tras redactar 16 ítems, estos atravesaron el juicio de expertos y se administraron a una muestra no probabilística de 384 participantes de población general del Área Metropolitana de Buenos Aires (57.6% mujeres, edad media = 37.94 y DE = 14.98). Luego se realizó una depuración preliminar y un análisis factorial exploratorio basado en la matriz de correlaciones policóricas, implementando el método de mínimos cuadrados no ponderados para la extracción. La versión definitiva consta con 10 ítems con Alfa y Omega ordinales de .86 y un único factor que describe el 45% de la varianza. Su puntaje total se asoció con medidas de Ansiedad Financiera, el domino Responsabilidad de los Cinco Grandes, Compra Impulsiva y Manejo del Dinero. Se identificaron patrones diferenciales según género, clase social y nivel educativo. Se concluye que la Escala de Ahorro cuenta con adecuadas evidencias de validez y confiabilidad, permitiendo abordar las particularidades del medio local con gran potencial para el uso clínico, institucional y financiero.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT The process of constructing a scale to measure savings behaviors is presented, given that these are crucial to achieve stability and the fulfillment of goals, especially in unstable economies such as the Argentinean one. After drafting 16 items, these were subjected to expert judgment and administered to a non-probabilistic sample of 384 participants from the general population of the Buenos Aires Metropolitan Area (57.6% women, mean age = 37.94 and SD = 14.98). A preliminary purification and an exploratory factor analysis based on the polychoric correlation matrix was then performed, implementing the unweighted least squares method for the extraction. The final version consists of 10 items with an ordinal Alpha and Omega of .86 and a single factor describing 45% of the variance. Its total score was associated with measures of Financial Anxiety, the Big Five Conscientiousness domain, Impulsive Buying and Money Management. Differential patterns were identified according to gender, social class and educational level. It is concluded that the Savings Scale has adequate evidence of validity and reliability, allowing to address the particularities of the local environment with great potential for clinical, institutional and financial use.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Ahorro]]></kwd>
<kwd lng="es"><![CDATA[conductas financieras]]></kwd>
<kwd lng="es"><![CDATA[psicometría]]></kwd>
<kwd lng="es"><![CDATA[psicología económica]]></kwd>
<kwd lng="en"><![CDATA[Savings]]></kwd>
<kwd lng="en"><![CDATA[financial behaviors]]></kwd>
<kwd lng="en"><![CDATA[psychometrics]]></kwd>
<kwd lng="en"><![CDATA[economic psychology]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Archuleta]]></surname>
<given-names><![CDATA[K. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Dale]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Spann]]></surname>
<given-names><![CDATA[S. M]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[College students and financial distress: exploring debt, financial satisfaction, and financial anxiety]]></article-title>
<source><![CDATA[Journal of Financial Counseling and Planning]]></source>
<year>2013</year>
<volume>24</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>50-62</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Asebedo]]></surname>
<given-names><![CDATA[S. D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Personality and financial behavior. En C. R. Chaffin (Ed.)]]></article-title>
<source><![CDATA[Client Psychology]]></source>
<year>2018</year>
<page-range>pp. 137-53</page-range></nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Asebedo]]></surname>
<given-names><![CDATA[S. D.]]></given-names>
</name>
<name>
<surname><![CDATA[Wilmarth]]></surname>
<given-names><![CDATA[M. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Seay]]></surname>
<given-names><![CDATA[M. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Archuleta]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Brase]]></surname>
<given-names><![CDATA[G. L.]]></given-names>
</name>
<name>
<surname><![CDATA[MacDonald]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Personality and Saving Behavior Among Older Adults]]></article-title>
<source><![CDATA[Journal of Consumer Affairs]]></source>
<year>2018</year>
<volume>53</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>488-519</page-range></nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Atkinson]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Messy]]></surname>
<given-names><![CDATA[F.A]]></given-names>
</name>
</person-group>
<source><![CDATA[Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study]]></source>
<year>2012</year>
<numero>15</numero>
<issue>15</issue>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Auné]]></surname>
<given-names><![CDATA[S. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Abal]]></surname>
<given-names><![CDATA[F. J. P.]]></given-names>
</name>
<name>
<surname><![CDATA[Attorresi]]></surname>
<given-names><![CDATA[H. F.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Diseño y construcción de una escala de conducta prosocial para adultos]]></article-title>
<source><![CDATA[Revista Iberoamericana de Diagnóstico y Evaluación Psicológica]]></source>
<year>2016</year>
<volume>2</volume>
<numero>42</numero>
<issue>42</issue>
<page-range>15-25</page-range></nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Baidoo]]></surname>
<given-names><![CDATA[S. T.]]></given-names>
</name>
<name>
<surname><![CDATA[Boateng]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Amponsah]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Understanding the Determinants of Saving in Ghana: Does Financial Literacy Matter?]]></article-title>
<source><![CDATA[Journal of International Development]]></source>
<year>2018</year>
<volume>30</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>886-903</page-range></nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bandura]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
</person-group>
<source><![CDATA[Social learning theory]]></source>
<year>1971</year>
<publisher-loc><![CDATA[Prentice Hall ]]></publisher-loc>
<publisher-name><![CDATA[Englewood cliffs]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Carstens]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
</person-group>
<source><![CDATA[The return of inflation]]></source>
<year>2022</year>
<publisher-name><![CDATA[International Center for Monetary and Banking Studies, Geneva]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Copur]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
<name>
<surname><![CDATA[Gutter]]></surname>
<given-names><![CDATA[M.S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Economic, Sociological, and Psychological Factors of the Saving Behavior: Turkey Case]]></article-title>
<source><![CDATA[Journal of Family and Economic Issues]]></source>
<year>2019</year>
<volume>40</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>305-22</page-range></nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Coremberg]]></surname>
<given-names><![CDATA[A. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Goldszier]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Heymann]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Ramos]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
</person-group>
<source><![CDATA[Patrones de la Inversión y el Ahorro en la Argentina]]></source>
<year>2007</year>
<publisher-loc><![CDATA[Santiago de Chile ]]></publisher-loc>
<publisher-name><![CDATA[CEPAL]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Costa]]></surname>
<given-names><![CDATA[P. T., Jr.]]></given-names>
</name>
<name>
<surname><![CDATA[McCrae]]></surname>
<given-names><![CDATA[R. R]]></given-names>
</name>
</person-group>
<source><![CDATA[Inventario de Personalidad NEO Revisado (NEO PI-R). Inventario NEO reducido de Cinco Factores (NEO-FFI)]]></source>
<year>2008</year>
<edition>3ª edición</edition>
<publisher-loc><![CDATA[Madrid ]]></publisher-loc>
<publisher-name><![CDATA[TEA]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[D&#8217;Avella]]></surname>
<given-names><![CDATA[N. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Pesos, dólares y ladrillos: la espacialidad del ahorro en la Argentina]]></article-title>
<source><![CDATA[Boletín de Antropología Universidad de Antioquia]]></source>
<year>2012</year>
<volume>27</volume>
<numero>44</numero>
<issue>44</issue>
<page-range>127-43</page-range></nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Dew]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J.J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The financial management behavior scale: Development and validation]]></article-title>
<source><![CDATA[Journal of Financial Counseling and Planning]]></source>
<year>2011</year>
<volume>22</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>43-59</page-range></nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Donnelly]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Iyer]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Howell]]></surname>
<given-names><![CDATA[R. T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Big Five personality traits, materialistic values and financial well-being of self-reported money managers]]></article-title>
<source><![CDATA[Journal of Economic Psychology]]></source>
<year>2012</year>
<volume>33</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1129-42</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Farrell]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Fry]]></surname>
<given-names><![CDATA[T. R. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Risse]]></surname>
<given-names><![CDATA[L]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The significance of financial self-efficacy in explaining women's personal finance behaviour]]></article-title>
<source><![CDATA[Journal of Economic Psychology]]></source>
<year>2016</year>
<volume>54</volume>
<page-range>85-99</page-range></nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Feige]]></surname>
<given-names><![CDATA[E. L]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[New estimates of US currency abroad, the domestic money supply and the unreported economy]]></article-title>
<source><![CDATA[Crime, Law and Social Change]]></source>
<year>2012</year>
<volume>57</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>239-63</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ferrando]]></surname>
<given-names><![CDATA[P. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Lorenzo-Seva]]></surname>
<given-names><![CDATA[U]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Gulliksen's pool: A quick tool for preliminary detection of inappropriate items]]></article-title>
<source><![CDATA[Technical report]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Fisher]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Financial Counseling and Planning]]></source>
<year>2010</year>
<volume>21</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gaggero]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Gaggero]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Rúa]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Principales características e impacto macroeconómico de la fuga de capitales en Argentina]]></article-title>
<source><![CDATA[Problemas del desarrollo]]></source>
<year>2015</year>
<volume>46</volume>
<numero>182</numero>
<issue>182</issue>
<page-range>67-90</page-range></nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gambetti]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Giusberti]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The effect of anger and anxiety traits on investment decisions]]></article-title>
<source><![CDATA[Journal of Economic Psychology]]></source>
<year>2012</year>
<volume>33</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>1059-69</page-range></nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Goyal]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Kumar]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Antecedents and consequences of Personal Financial Management Behavior: a systematic literature review and future research agenda]]></article-title>
<source><![CDATA[International Journal of Bank Marketing]]></source>
<year>2021</year>
<volume>39</volume>
<numero>7</numero>
<issue>7</issue>
<page-range>1166-207</page-range></nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Grable]]></surname>
<given-names><![CDATA[J. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Archuleta]]></surname>
<given-names><![CDATA[K. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Ford]]></surname>
<given-names><![CDATA[M. R.]]></given-names>
</name>
<name>
<surname><![CDATA[Kruger]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Gale]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Goetz]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Moderating Effect of Generalized Anxiety and Financial Knowledge on Financial Management Behavior]]></article-title>
<source><![CDATA[Contemporary Family Therapy]]></source>
<year>2019</year>
<volume>42</volume>
<page-range>15-24</page-range></nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gudmunson]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Ray]]></surname>
<given-names><![CDATA[S. K.]]></given-names>
</name>
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial socialization]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J]]></given-names>
</name>
</person-group>
<source><![CDATA[Handbook of Consumer Finance Research]]></source>
<year>2016</year>
<page-range>pp. 61-72</page-range><publisher-loc><![CDATA[Springer ]]></publisher-loc>
<publisher-name><![CDATA[Cham]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hilgert]]></surname>
<given-names><![CDATA[M.A.]]></given-names>
</name>
<name>
<surname><![CDATA[Hogarth]]></surname>
<given-names><![CDATA[J. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Beverly]]></surname>
<given-names><![CDATA[S. G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Household financial management: The connection between knowledge and behavior]]></article-title>
<source><![CDATA[Federal Reserve Bulletin]]></source>
<year>2003</year>
<volume>89</volume>
<page-range>309-22</page-range></nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="">
<collab>Instituto Nacional de Estadísticas y Censos</collab>
<article-title xml:lang=""><![CDATA[Índice de precios al consumidor (IPC): febrero de 2024]]></article-title>
<source><![CDATA[Informes técnicos]]></source>
<year>2024</year>
<volume>8</volume>
<numero>54</numero>
<issue>54</issue>
</nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Jares]]></surname>
<given-names><![CDATA[A. G.]]></given-names>
</name>
</person-group>
<source><![CDATA[Construcción de una escala para la medición de conductas financieras de manejo del dinero]]></source>
<year>2023</year>
<publisher-name><![CDATA[Universidad de Buenos Aires]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Jorgensen]]></surname>
<given-names><![CDATA[B. L.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial literacy of college students: Parental and peer influence]]></source>
<year>2007</year>
<publisher-name><![CDATA[The Virginia Polytechnic Institute and State University]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kahneman]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Tversky]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Prospect theory: An analysis of decision under risk]]></article-title>
<source><![CDATA[Econometrica]]></source>
<year>1979</year>
<volume>47</volume>
<page-range>263-92</page-range></nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kim]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Garman]]></surname>
<given-names><![CDATA[E. T.]]></given-names>
</name>
<name>
<surname><![CDATA[Sorhaindo]]></surname>
<given-names><![CDATA[B]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Relationship among credit counseling clients&#8217; financial wellbeing, financial behaviors, financial stressor events, and health&#8221;]]></article-title>
<source><![CDATA[Financial Counseling and Planning]]></source>
<year>2003</year>
<volume>14</volume>
<page-range>75-87</page-range></nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kimball]]></surname>
<given-names><![CDATA[M. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Precautionary Saving in the Small and in the Large]]></article-title>
<source><![CDATA[Econometrica]]></source>
<year>1990</year>
<volume>58</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>53-73</page-range></nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ksendzova]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Donnelly]]></surname>
<given-names><![CDATA[G. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Howell]]></surname>
<given-names><![CDATA[R. T]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A brief money management scale and its associations with personality, financial health, and hypothetical debt repayment]]></article-title>
<source><![CDATA[Journal of Financial Counseling and Planning]]></source>
<year>2017</year>
<volume>28</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>62-75</page-range></nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Martins]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Rodríguez]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Conducta financiera del venezolano: Una escala para contextos de adversidad económica]]></article-title>
<source><![CDATA[Revista Evaluar]]></source>
<year>2021</year>
<volume>21</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1-16</page-range></nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Mikulic]]></surname>
<given-names><![CDATA[I. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Caballero]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Crespi]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Calidad De Vida y Necesidades Insatisfechas en Población General de Argentina en Situación de Pandemia Covid-19]]></article-title>
<source><![CDATA[Revista Argentina de Ciencias del Comportamiento (RACC)]]></source>
<year>2022</year>
<volume>14</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>168-9</page-range></nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Modigliani]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Brumberg]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Utility analysis and the consumption function: An interpretation of cross-section data]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[K.]]></surname>
<given-names><![CDATA[Kurihara]]></given-names>
</name>
</person-group>
<source><![CDATA[Post Keynesian Economics Franco Modigliani]]></source>
<year>1954</year>
<page-range>pp. 388-436</page-range><publisher-name><![CDATA[Rutgers University Press]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Morgan]]></surname>
<given-names><![CDATA[P. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Long]]></surname>
<given-names><![CDATA[T. Q.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial Literacy, Financial Inclusion, and Savings Behavior in Laos]]></article-title>
<source><![CDATA[Journal of Asian Economics 68]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[O&#8217;Neill]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial behaviors before and after the financial crisis: Evidence from an online survey]]></article-title>
<source><![CDATA[Financial Counseling and Planning]]></source>
<year>2012</year>
<volume>23</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>33-46</page-range></nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Perry]]></surname>
<given-names><![CDATA[V. G.]]></given-names>
</name>
<name>
<surname><![CDATA[Morris]]></surname>
<given-names><![CDATA[M. D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Who Is in Control? The Role of Self-Perception, Knowledge, and Income in Explaining Consumer Financial Behavior]]></article-title>
<source><![CDATA[Journal of Consumer Affairs]]></source>
<year>2005</year>
<volume>39</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>299-313</page-range></nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Porter]]></surname>
<given-names><![CDATA[N. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Garman]]></surname>
<given-names><![CDATA[E. T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Testing a conceptual model of financial well-being]]></article-title>
<source><![CDATA[Financial Counselling and Planning]]></source>
<year>1993</year>
<volume>4</volume>
<page-range>135-64</page-range></nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Prihartono]]></surname>
<given-names><![CDATA[M. R. D.]]></given-names>
</name>
<name>
<surname><![CDATA[Asandimitra]]></surname>
<given-names><![CDATA[N]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Analysis factors influencing financial management behaviour]]></article-title>
<source><![CDATA[International Journal of Academic Research in Business and Social Sciences]]></source>
<year>2018</year>
<volume>8</volume>
<numero>8</numero>
<issue>8</issue>
<page-range>308-26</page-range></nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Prochaska-Cue]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[An exploratory study for a model of personal financial management style]]></article-title>
<source><![CDATA[Journal of Financial Counseling and Planning]]></source>
<year>1993</year>
<volume>4</volume>
<page-range>111-34</page-range></nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Revilla]]></surname>
<given-names><![CDATA[R. G.]]></given-names>
</name>
<name>
<surname><![CDATA[Acosta]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Reyna]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Estudios de validez y confiabilidad de la escala de compra impulsiva en jóvenes y adultos de la ciudad de Córdoba, Argentina]]></article-title>
<source><![CDATA[Ciencias psicológicas]]></source>
<year>2013</year>
<volume>7</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>133-42</page-range></nlm-citation>
</ref>
<ref id="B42">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rook]]></surname>
<given-names><![CDATA[D. W.]]></given-names>
</name>
<name>
<surname><![CDATA[Fisher]]></surname>
<given-names><![CDATA[R. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Normative influences on impulsive buying]]></article-title>
<source><![CDATA[Journal of Consumer Research]]></source>
<year>1995</year>
<volume>22</volume>
<page-range>305-13</page-range></nlm-citation>
</ref>
<ref id="B43">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sánchez González]]></surname>
<given-names><![CDATA[J. K.]]></given-names>
</name>
<name>
<surname><![CDATA[Jares]]></surname>
<given-names><![CDATA[A. G]]></given-names>
</name>
<name>
<surname><![CDATA[García Díaz]]></surname>
<given-names><![CDATA[A. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Abal]]></surname>
<given-names><![CDATA[F. J. P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Responsabilidad del Modelo de los Cinco Grandes: medición basada en aspectos proactivos e inhibitorios de la conducta]]></article-title>
<source><![CDATA[Memorias XV Congreso Internacional de Investigación y Práctica Profesional en Psicología]]></source>
<year>2023</year>
<page-range>47-50</page-range></nlm-citation>
</ref>
<ref id="B44">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sek&#347;ci&#324;ska]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Trzci&#324;ska]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Pankowski]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Pisula]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Wytrychiewicz-Pankowska]]></surname>
<given-names><![CDATA[K]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial factors and psychological distress during the COVID-19 pandemic in Poland]]></article-title>
<source><![CDATA[International Journal of Environmental Research and Public Health]]></source>
<year>2022</year>
<volume>19</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>1798</page-range></nlm-citation>
</ref>
<ref id="B45">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Shefrin]]></surname>
<given-names><![CDATA[H. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Thaler]]></surname>
<given-names><![CDATA[R. H]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The behavioral life-cycle hypothesis]]></article-title>
<source><![CDATA[Economic Inquiry]]></source>
<year>1988</year>
<volume>26</volume>
<numero>4</numero>
<issue>4</issue>
</nlm-citation>
</ref>
<ref id="B46">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[&#352;kreblin Kirbi&#353;]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Vehovec]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Gali&#263;]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Relationship between financial satisfaction and financial literacy: Exploring gender differences]]></article-title>
<source><![CDATA[Dru&#353;tvena istra&#382;ivanja: &#269;asopis za op&#263;a dru&#353;tvena pitanja]]></source>
<year>2017</year>
<volume>26</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>165-85</page-range></nlm-citation>
</ref>
<ref id="B47">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Thaler]]></surname>
<given-names><![CDATA[R. H]]></given-names>
</name>
</person-group>
<source><![CDATA[La psicología económica]]></source>
<year>2015</year>
<publisher-loc><![CDATA[Bilbao, España ]]></publisher-loc>
<publisher-name><![CDATA[Ediciones Deusto]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B48">
<nlm-citation citation-type="">
<collab>Universidad Católica Argentina</collab>
<source><![CDATA[Privaciones sociales y desigualdades estructurales: condiciones materiales de los hogares en un escenario de estancamiento económico (2010-2022)]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B49">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Veiga]]></surname>
<given-names><![CDATA[R. T.]]></given-names>
</name>
<name>
<surname><![CDATA[Avelar]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Moura]]></surname>
<given-names><![CDATA[L. R. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Higuchi]]></surname>
<given-names><![CDATA[A. K]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Validation of scales to research the personal financial management]]></article-title>
<source><![CDATA[Revista Brasileira de Gestao de Negocios]]></source>
<year>2019</year>
<volume>21</volume>
<page-range>332-48</page-range></nlm-citation>
</ref>
<ref id="B50">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Walczak]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Pie&#324;kowska-Kamieniecka]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Gender diferences in financial behaviours]]></article-title>
<source><![CDATA[Engineering Economics]]></source>
<year>2018</year>
<volume>29</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>123-32</page-range></nlm-citation>
</ref>
<ref id="B51">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Appliying behavior theories to financial behavior]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Handbook of Consumer Finance Research]]></source>
<year>2008</year>
<page-range>69-81</page-range></nlm-citation>
</ref>
<ref id="B52">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Ford]]></surname>
<given-names><![CDATA[M. W.]]></given-names>
</name>
<name>
<surname><![CDATA[Kim]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Consumer financial behavior: An interdisciplinary review of selected theories and research]]></article-title>
<source><![CDATA[Family and Consumer Sciences Research Journal]]></source>
<year>2011</year>
<volume>39</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>399-414</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
