Conductas de riesgo y vulnerabilidad financiera: estudio en universitarios de Coahuila y Nuevo Leon

Mayra Yazmin  Ortiz Ozuna; Ana María  Aguilar Sánchez; Sandra Patricia  de la Garza Cienfuegos; Nathalia  Zamarrón Otzuca

doi:10.59169/pentaciencias.v8i1.1721

Authors

Mayra Yazmin Ortiz Ozuna Universidad Autónoma de Coahuila https://orcid.org/0009-0003-0432-5507
Ana María Aguilar Sánchez Universidad Autónoma de Coahuila https://orcid.org/0000-0002-2374-813X
Sandra Patricia de la Garza Cienfuegos Universidad Autónoma de Coahuila https://orcid.org/0000-0002-7018-1252
Nathalia Zamarrón Otzuca Universidad Autónoma de Coahuila https://orcid.org/0000-0002-7018-1252

DOI:

https://doi.org/10.59169/pentaciencias.v8i1.1721

Keywords:

financial risk; financial vulnerability; financial well-being; financial stress

Abstract

This research aims to analyze and compare financial risk behaviors and levels of financial vulnerability among university students in Coahuila and Nuevo León, considering the influence of the territorial context. Using a quantitative, non-experimental, cross-sectional, and comparative approach, a 59-item instrument was administered to a total sample of 675 students. The results show adequate technical consistency of the instrument, with a Cronbach's alpha of 0.821, and reveal statistically significant differences between the two groups in all variables analyzed. Students residing in Nuevo León exhibit greater coherence between saving, income sufficiency, and financial well-being, although they also report more symptoms of stress. In contrast, students residing in Coahuila report a sense of security derived from saving, while also experiencing challenges with spending control. The study concludes that the territorial context significantly influences the financial management, vulnerability, and financial well-being of young university students.

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