Nivel de cultura financiera y endeudamiento de los clientes microempresarios de la Financiera Proempresa - agencia Huamachuco año 2020
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Date
2021
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Universidad Nacional de Trujillo
Abstract
Para el desarrollo del presente trabajo de investigación, se realizó teniendo como entidad de estudio a la Financiera Proempresa – Agencia Huamachuco año 2020, que desarrolla sus actividades en el distrito de Huamachuco - Departamento de La Libertad y zonas aledañas, teniendo como objetivo principal determinar la relación entre el nivel de cultura financiera y el endeudamiento de los clientes microempresarios de financiera Proempresa – Agencia Huamachuco 2020, la investigación realizada de acuerdo a su alcance es de tipo descriptiva, no experimental, se utilizó el método Inductivo–Deductivo, método Hipotético– Deductivo, se utilizó la recopilación de datos y la encuesta como técnica de investigación, para validar la confiabilidad de los datos obtenidos se aplicó el método Alpha de Cronbach, obteniéndose 0.907 para el instrumento de recolección de datos de ambas variables, y para la variable cultura financiera un alfa igual 0.773, la variable endeudamiento de clientes microempresarios se encontró un alfa igual a 0.925; la población estuvo conformada por 310 clientes microempresarios y se obtuvo una muestra representativa de 101 clientes, a dicha muestra se le aplicó el instrumento de recolección de datos, y con los datos obtenidos se pudo comprobar la hipótesis planteada y, cumplir con los objetivos de la investigación, para la prueba de hipótesis y el cumplimiento de los objetivos de la investigación se utilizó el programa estadístico SPSS, dicho software estadístico arrojó con el coeficiente de correlación de Spearman que las variables están correlacionadas de manera moderada, estableciéndose un alfa igual a 0.407.
ABSTRACT For the development of this research work, it was carried out having as a study entity the Financiera Proempresa - Huamachuco Agency in 2020, which develops its activities in the district of Huamachuco - Department of La Libertad and surrounding areas, having as its main objective determine The relationship between the level of financial culture and the indebtedness of the microentrepreneur clients of financiera Proempresa - Huamachuco Agency 2020, the research carried out according to its scope is descriptive, not experimental, the Inductive – Deductive Method, Hypothetical Method– was used. Deductive, data collection and the survey were used as a research technique, to validate the reliability of the data obtained, the Cronbach's Alpha method was applied, obtaining 0.907 for the data collection instrument of both variables, and for the culture variable an alpha equal to 0.773, the variable Debt of microentrepreneurs s e found an alpha equal to 0.925; The population consisted of 310 microentrepreneur clients and a representative sample of 101 clients was obtained. The data collection instrument was applied to said sample, and with the data obtained it was possible to verify the proposed hypothesis and meet the objectives of the Research, for the hypothesis test and the fulfillment of the research objectives, the SPSS statistical program was used, said statistical software showed with Spearman`s correlation coefficient that the variables are moderately correlated, establishing an alpha equal to 0.407.
ABSTRACT For the development of this research work, it was carried out having as a study entity the Financiera Proempresa - Huamachuco Agency in 2020, which develops its activities in the district of Huamachuco - Department of La Libertad and surrounding areas, having as its main objective determine The relationship between the level of financial culture and the indebtedness of the microentrepreneur clients of financiera Proempresa - Huamachuco Agency 2020, the research carried out according to its scope is descriptive, not experimental, the Inductive – Deductive Method, Hypothetical Method– was used. Deductive, data collection and the survey were used as a research technique, to validate the reliability of the data obtained, the Cronbach's Alpha method was applied, obtaining 0.907 for the data collection instrument of both variables, and for the culture variable an alpha equal to 0.773, the variable Debt of microentrepreneurs s e found an alpha equal to 0.925; The population consisted of 310 microentrepreneur clients and a representative sample of 101 clients was obtained. The data collection instrument was applied to said sample, and with the data obtained it was possible to verify the proposed hypothesis and meet the objectives of the Research, for the hypothesis test and the fulfillment of the research objectives, the SPSS statistical program was used, said statistical software showed with Spearman`s correlation coefficient that the variables are moderately correlated, establishing an alpha equal to 0.407.
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Cultura financiera, Endeudamiento, Microempresarios, https://purl.org/pe-repo/ocde/ford#5.02.04