Publication: Educación financiera y su incidencia en el nivel de endeudamiento de los asociados del mercado de abastos de Huamachuco, 2021
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Date
2023
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Publisher
Universidad Nacional de Trujillo
Abstract
La presente investigación se realizó teniendo como objetivo principal, determinar la incidencia de la educación financiera en el nivel de endeudamiento de los asociados del mercado de abastos de Huamachuco, 2021; así mismo tenemos como problema ¿de qué manera la educación financiera incide en el nivel de endeudamiento de los asociados del mercado de abastos de Huamachuco, 2021? y teniendo como hipótesis alternativa la educación financiera incide positivamente en el nivel de endeudamiento de los asociados del mercado de abastos de Huamachuco, 2021. La investigación realizada de acuerdo a su alcance es de tipo descriptiva, no experimental, con diseño explicativo, se utilizó el método Hipotético–Deductivo, como técnica para la recopilación de datos se utilizó la encuesta, para determinar la confiabilidad de los instrumentos de recolección de datos, se utilizó el programa estadístico SPSS, del cual se aplicó el método Alpha de Cronbach, obteniéndose 0,840 para el instrumento de recolección de datos de ambas variables, la población estuvo conformada por 293 asociados y, se trabajó con una muestra a conveniencia conformada por 49 asociados, a dicha muestra se le aplicó el instrumento de recolección de datos, y con los datos obtenidos se cumplió con los objetivos de la investigación, se contrastó la hipótesis, se elaboraron las conclusiones y se plantearon las recomendaciones, teniendo como principal conclusión que la educación financiera incide positivamente en el nivel de endeudamiento de los asociados del mercado de abastos de Huamachuco, 2021.
ABSTRACT The main objective of this research was to determine the incidence of financial education on the level of indebtedness of the associates of the Huamachuco supply market, 2021; What type of problem does Financial Education affect the level of indebtedness of the members of the Huamachuco supply market, 2021? And having as an alternative hypothesis, Financial Education has a positive impact on the indebtedness of the associates of the Huamachuco food market, 2021. The research carried out according to its scope is descriptive, non-experimental, with an explanatory design, the Method is used. Hypothetical-Deductive, as a technique for data collection, the survey was used, to determine the reliability of the data collection instruments, the SPSS statistical program was used, from which Cronbach's Alpha method was applied, obtaining 0.840 for the Instrument . of data collection of both variables, the population was made up of 293 associates and, we worked with a representative sample made up of data from 49 associates, to said sample the data collection instrument was applied, and with the data obtained, the requirements were met. The objectives of the research, the hypotheses were contrasted, the conclusions were worked on and the recommendations were made, with the main conclusion being that financial education has a positive impact on the indebtedness of the associates of the Huamachuco supply market, 2021.
ABSTRACT The main objective of this research was to determine the incidence of financial education on the level of indebtedness of the associates of the Huamachuco supply market, 2021; What type of problem does Financial Education affect the level of indebtedness of the members of the Huamachuco supply market, 2021? And having as an alternative hypothesis, Financial Education has a positive impact on the indebtedness of the associates of the Huamachuco food market, 2021. The research carried out according to its scope is descriptive, non-experimental, with an explanatory design, the Method is used. Hypothetical-Deductive, as a technique for data collection, the survey was used, to determine the reliability of the data collection instruments, the SPSS statistical program was used, from which Cronbach's Alpha method was applied, obtaining 0.840 for the Instrument . of data collection of both variables, the population was made up of 293 associates and, we worked with a representative sample made up of data from 49 associates, to said sample the data collection instrument was applied, and with the data obtained, the requirements were met. The objectives of the research, the hypotheses were contrasted, the conclusions were worked on and the recommendations were made, with the main conclusion being that financial education has a positive impact on the indebtedness of the associates of the Huamachuco supply market, 2021.
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Keywords
Educación financiera, Endeudamiento, Microempresarios