Financial culture and indebtedness of the clients of the savings and credit cooperatives

Detalhes bibliográficos
Autor(a) principal: Díaz Tantalean, Neiser Abel
Data de Publicação: 2022
Outros Autores: García Morales, Flor Nardely, Calvanapón Alva, Flor Alicia
Tipo de documento: Artigo
Idioma: spa
Título da fonte: Sapienza (Curitiba)
Texto Completo: https://journals.sapienzaeditorial.com/index.php/SIJIS/article/view/411
Resumo: The purpose of the study is to determine the relationship between the financial culture and the indebtedness of the clients of the savings and credit cooperatives of Jaén by 2022. The methodology used is a quantitative approach of descriptive correlational level with a non-experimental design, the sample is made up of by 334 participants, the technique to collect the data is the survey and the instrument the questionnaire, the results show that 38% of the respondents think that the financial culture of the partners is regular and 41% of the partners specify that the level of indebtedness is regular, likewise a Spearman's rho coefficient of -0.549 and a p. value of "0.000" less than (0.05). It is concluded that there is a highly significant inverse relationship between the financial culture and the level of indebtedness of the clients of the savings and credit cooperatives of Jaén. Also, the factors of the financial culture are inversely related to the level of indebtedness of the members of the savings and credit cooperative of Jaén to 2022.
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spelling Financial culture and indebtedness of the clients of the savings and credit cooperatives Cultura financiera y endeudamiento de los clientes de las cooperativas de ahorro y crédito Cultura financeira e endividamento dos clientes de cooperativas de poupança e créditoCultura financeira, endividamento de cooperativas de poupança e créditoFinancial culture, Savings and credit cooperative indebtednessCultura financiera, Endeudamiento cooperativo de ahorro y créditoThe purpose of the study is to determine the relationship between the financial culture and the indebtedness of the clients of the savings and credit cooperatives of Jaén by 2022. The methodology used is a quantitative approach of descriptive correlational level with a non-experimental design, the sample is made up of by 334 participants, the technique to collect the data is the survey and the instrument the questionnaire, the results show that 38% of the respondents think that the financial culture of the partners is regular and 41% of the partners specify that the level of indebtedness is regular, likewise a Spearman's rho coefficient of -0.549 and a p. value of "0.000" less than (0.05). It is concluded that there is a highly significant inverse relationship between the financial culture and the level of indebtedness of the clients of the savings and credit cooperatives of Jaén. Also, the factors of the financial culture are inversely related to the level of indebtedness of the members of the savings and credit cooperative of Jaén to 2022.El estudio tiene como propósito determinar la relación de la cultura financiera y el endeudamiento de los clientes de las cooperativas de ahorro y crédito de Jaén al 2022. La metodología utilizada es un enfoque cuantitativo de nivel descriptivo correlacional con diseño no experimental,  la muestra está conformado por 334 participantes, la técnica para recolectar los datos es la encuesta y el instrumento el cuestionario, los resultados muestran que el 38% de los encuestados opinan que la cultura financiera de los socios es regular y 41% de los socios precisan que el nivel de endeudamiento es regular, así mismo se obtuvo un coeficiente de rho de Spearman de -0.549 y un p. valor de “0.000” menor al (0.05). Se concluye que existe relación inversa altamente significativa entre la cultura financiera y el nivel de endeudamiento de los clientes de las cooperativas de ahorro y crédito de Jaén. También los factores de la cultura financiera se relacionan inversamente con el nivel de endeudamiento de los socios de la cooperativa de ahorro y crédito de Jaén al 2022.O objetivo do estudo é determinar a relação entre a cultura financeira e o endividamento dos clientes das cooperativas de poupança e crédito de Jaén até 2022. A metodologia utilizada é uma abordagem quantitativa de nível correlacional descritivo com um design não experimental, o amostra é composta por 334 participantes, a técnica de coleta de dados é a pesquisa e o instrumento o questionário, os resultados mostram que 38% dos respondentes acham que a cultura financeira dos sócios é regular e 41% dos sócios especificam que o nível de endividamento é regular, assim como um coeficiente rho de Spearman de -0,549 e um p. valor de "0,000" menor que (0,05). Conclui-se que existe uma relação inversa altamente significativa entre a cultura financeira e o nível de endividamento dos clientes das cooperativas de poupança e crédito de Jaén. Também os fatores da cultura financeira estão inversamente relacionados com o nível de endividamento dos membros da cooperativa de poupança e crédito de Jaén até 2022.Sapienza Grupo Editorial2022-06-30info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://journals.sapienzaeditorial.com/index.php/SIJIS/article/view/41110.51798/sijis.v3i2.411Sapienza: International Journal of Interdisciplinary Studies; Vol. 3 No. 2 (2022): Multidisciplinary Contributions; 826-835Sapienza: International Journal of Interdisciplinary Studies; Vol. 3 Núm. 2 (2022): Aportes Multidisciplinarios; 826-835Sapienza: International Journal of Interdisciplinary Studies; v. 3 n. 2 (2022): Contribuições Multidisciplinares; 826-8352675-978010.51798/sijis.v3i2reponame:Sapienza (Curitiba)instname:Sapienza Grupo Editorialinstacron:SAPIENZAspahttps://journals.sapienzaeditorial.com/index.php/SIJIS/article/view/411/271Copyright (c) 2022 Neiser Abel Díaz Tantalean, Flor Nardely García Morales, Flor Alicia Calvanapón Alvahttps://creativecommons.org/licenses/by-nc-nd/4.0info:eu-repo/semantics/openAccessDíaz Tantalean, Neiser AbelGarcía Morales, Flor NardelyCalvanapón Alva, Flor Alicia2022-12-26T21:19:06Zoai:ojs2.journals.sapienzaeditorial.com:article/411Revistahttps://journals.sapienzaeditorial.com/index.php/SIJISPRIhttps://journals.sapienzaeditorial.com/index.php/SIJIS/oaieditor@sapienzaeditorial.com2675-97802675-9780opendoar:2023-01-12T16:42:59.265299Sapienza (Curitiba) - Sapienza Grupo Editorialfalse
dc.title.none.fl_str_mv Financial culture and indebtedness of the clients of the savings and credit cooperatives
Cultura financiera y endeudamiento de los clientes de las cooperativas de ahorro y crédito
Cultura financeira e endividamento dos clientes de cooperativas de poupança e crédito
title Financial culture and indebtedness of the clients of the savings and credit cooperatives
spellingShingle Financial culture and indebtedness of the clients of the savings and credit cooperatives
Díaz Tantalean, Neiser Abel
Cultura financeira, endividamento de cooperativas de poupança e crédito
Financial culture, Savings and credit cooperative indebtedness
Cultura financiera, Endeudamiento cooperativo de ahorro y crédito
title_short Financial culture and indebtedness of the clients of the savings and credit cooperatives
title_full Financial culture and indebtedness of the clients of the savings and credit cooperatives
title_fullStr Financial culture and indebtedness of the clients of the savings and credit cooperatives
title_full_unstemmed Financial culture and indebtedness of the clients of the savings and credit cooperatives
title_sort Financial culture and indebtedness of the clients of the savings and credit cooperatives
author Díaz Tantalean, Neiser Abel
author_facet Díaz Tantalean, Neiser Abel
García Morales, Flor Nardely
Calvanapón Alva, Flor Alicia
author_role author
author2 García Morales, Flor Nardely
Calvanapón Alva, Flor Alicia
author2_role author
author
dc.contributor.author.fl_str_mv Díaz Tantalean, Neiser Abel
García Morales, Flor Nardely
Calvanapón Alva, Flor Alicia
dc.subject.por.fl_str_mv Cultura financeira, endividamento de cooperativas de poupança e crédito
Financial culture, Savings and credit cooperative indebtedness
Cultura financiera, Endeudamiento cooperativo de ahorro y crédito
topic Cultura financeira, endividamento de cooperativas de poupança e crédito
Financial culture, Savings and credit cooperative indebtedness
Cultura financiera, Endeudamiento cooperativo de ahorro y crédito
description The purpose of the study is to determine the relationship between the financial culture and the indebtedness of the clients of the savings and credit cooperatives of Jaén by 2022. The methodology used is a quantitative approach of descriptive correlational level with a non-experimental design, the sample is made up of by 334 participants, the technique to collect the data is the survey and the instrument the questionnaire, the results show that 38% of the respondents think that the financial culture of the partners is regular and 41% of the partners specify that the level of indebtedness is regular, likewise a Spearman's rho coefficient of -0.549 and a p. value of "0.000" less than (0.05). It is concluded that there is a highly significant inverse relationship between the financial culture and the level of indebtedness of the clients of the savings and credit cooperatives of Jaén. Also, the factors of the financial culture are inversely related to the level of indebtedness of the members of the savings and credit cooperative of Jaén to 2022.
publishDate 2022
dc.date.none.fl_str_mv 2022-06-30
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://journals.sapienzaeditorial.com/index.php/SIJIS/article/view/411
10.51798/sijis.v3i2.411
url https://journals.sapienzaeditorial.com/index.php/SIJIS/article/view/411
identifier_str_mv 10.51798/sijis.v3i2.411
dc.language.iso.fl_str_mv spa
language spa
dc.relation.none.fl_str_mv https://journals.sapienzaeditorial.com/index.php/SIJIS/article/view/411/271
dc.rights.driver.fl_str_mv https://creativecommons.org/licenses/by-nc-nd/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv https://creativecommons.org/licenses/by-nc-nd/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Sapienza Grupo Editorial
publisher.none.fl_str_mv Sapienza Grupo Editorial
dc.source.none.fl_str_mv Sapienza: International Journal of Interdisciplinary Studies; Vol. 3 No. 2 (2022): Multidisciplinary Contributions; 826-835
Sapienza: International Journal of Interdisciplinary Studies; Vol. 3 Núm. 2 (2022): Aportes Multidisciplinarios; 826-835
Sapienza: International Journal of Interdisciplinary Studies; v. 3 n. 2 (2022): Contribuições Multidisciplinares; 826-835
2675-9780
10.51798/sijis.v3i2
reponame:Sapienza (Curitiba)
instname:Sapienza Grupo Editorial
instacron:SAPIENZA
instname_str Sapienza Grupo Editorial
instacron_str SAPIENZA
institution SAPIENZA
reponame_str Sapienza (Curitiba)
collection Sapienza (Curitiba)
repository.name.fl_str_mv Sapienza (Curitiba) - Sapienza Grupo Editorial
repository.mail.fl_str_mv editor@sapienzaeditorial.com
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