<?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>0120-6346</journal-id>
<journal-title><![CDATA[Semestre Económico]]></journal-title>
<abbrev-journal-title><![CDATA[Semest. Econ.]]></abbrev-journal-title>
<issn>0120-6346</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Medellín]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-63462025000104755</article-id>
<article-id pub-id-type="doi">10.22395/seec.v28n64a4755</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[CULTURA FINANCIERA Y CULTURA DE AHORRO DE LAS FAMILIAS EN PERÚ]]></article-title>
<article-title xml:lang="en"><![CDATA[FINANCIAL AND SAVING CULTURE AMONG FAMILIES IN PERU]]></article-title>
<article-title xml:lang="pt"><![CDATA[CULTURA FINANCEIRA E DE POUPANÇA ENTRE FAMÍLIAS NO PERU]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Gómez]]></surname>
<given-names><![CDATA[Gerardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Poma Cornejo]]></surname>
<given-names><![CDATA[Heber David]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Márquez Medina]]></surname>
<given-names><![CDATA[Luis Antonio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Anáhuac México Facultad de Economía y Negocios ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional del Altiplano Facultad de Ciencias Contables y Administrativas ]]></institution>
<addr-line><![CDATA[Puno ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Nacional de Piura  ]]></institution>
<addr-line><![CDATA[Piura ]]></addr-line>
<country>Peru</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<volume>28</volume>
<numero>64</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-63462025000104755&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-63462025000104755&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-63462025000104755&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El objetivo de la investigación fue determinar la relación entre cultura financiera y cultura de ahorro de las familias de la ciudad de Piura, en Perú. El enfoque fue cuantitativo y el tipo de investigación descriptiva correlacional y transversal. La población estuvo conformada por ciudadanos entre los 18 y 65 años de edad que residen en los distritos de Veintiséis de Octubre, Castilla y Piura. La muestra corresponde a 390 personas con hábitos de ahorro. El instrumento de recolección de datos es el cuestionario con aplicación del rho de Spearman para el análisis de la información. Los resultados demostraron que existe una relación positiva y significativa entre la cultura de ahorro y la cultura financiera de las familias en Perú. También se determinó un nivel medio de cultura financiera. Las personas o familias en Perú que tienen la permanente costumbre de ahorrar son porque tienen un nivel de cultura financiera no tan fortalecida pero suficiente para decidir guardar su dinero en una entidad del sistema financiero. Esto permite concluir que la cultura financiera de las familias debe fortalecerse para que puedan tomar decisiones financieras que impacten en su bienestar económico y social.  CÓDIGO JEL:  G21, G51, G53, C14  CONTENIDO:  Introducción, 1. Marco teórico, 2. Metodología, 3. Resultados, 4. Discusión, 5. Conclusiones, Referencias.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT The objective of the research was to determine the relationship between financial culture and savings culture among families in the city of Piura, Peru. The approach was quantitative, and the research type was descriptive, correlational, and cross-sectional. The population consisted of citizens between 18 and 65 years of age who reside in the districts of Veintiséis de Octubre, Castilla, and Piura. The sample included 384 individuals with savings habits. The data collection instrument was a questionnaire, and Spearman Rho coefficient was used for data analysis. The results demonstrated a positive and significant relationship between savings culture and financial culture among families in Peru. A medium level of financial culture was also determined. Individuals or families in Peru who have a consistent saving habit tend to possess a level of financial culture that is not highly developed but is sufficient to decide to save their money in a financial institution. This leads to the conclusion that the financial culture of families needs to be strengthened in order to make financial decisions that positively impact both economic and social well-being.  JEL CLASIFICATION:  G21 G51 G53 C14  CONTENTS:  Introduction, 1. Theoretical framework; 2, Methodology; 3, Results; 4, Discussion; 5. Conclusions; References.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[RESUMO O objetivo da pesquisa foi determinar a relação entre a cultura financeira e a cultura de poupança entre as famílias na cidade de Piura, Peru. A abordagem foi quantitativa, e o tipo de pesquisa foi descritiva, correlacional e transversal. A população consistiu de cidadãos com idades entre 18 e 65 anos que residem nos distritos de Veintiséis de Octubre, Castilla e Piura. A amostra incluiu 384 indivíduos com hábitos de poupança. O instrumento de coleta de dados foi um questionário, e o coeficiente de Spearman foi utilizado para a análise dos dados. Os resultados demonstraram uma relação positiva e significativa entre a cultura de poupança e a cultura financeira entre as famílias no Peru. Também foi determinado um nível médio de cultura financeira. Indivíduos ou famílias no Peru que têm um hábito consistente de poupança tendem a possuir um nível de cultura financeira que não é altamente desenvolvido, mas é suficiente para decidir poupar seu dinheiro em uma instituição financeira. Isso leva à conclusão de que a cultura financeira das famílias precisa ser fortalecida para que possam tomar decisões financeiras que impactem positivamente o bem-estar econômico e social.  CLASSIFICAÇÃO JEL:  G21 G51 G53 C14  CONTEÚDO:  Introdução, 1. Quadro teórico, 2. Metodologia, 3. Resultados, 4. Discussão, 5. Conclusões, Referências.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Instituciones financieras]]></kwd>
<kwd lng="es"><![CDATA[ahorro familiar]]></kwd>
<kwd lng="es"><![CDATA[cultura financiera]]></kwd>
<kwd lng="es"><![CDATA[rho de Spearman]]></kwd>
<kwd lng="en"><![CDATA[Financial institutions]]></kwd>
<kwd lng="en"><![CDATA[household savings]]></kwd>
<kwd lng="en"><![CDATA[financial culture]]></kwd>
<kwd lng="en"><![CDATA[Spearman Rho]]></kwd>
<kwd lng="pt"><![CDATA[Instituições financeiras]]></kwd>
<kwd lng="pt"><![CDATA[poupança familiar]]></kwd>
<kwd lng="pt"><![CDATA[cultura financeira]]></kwd>
<kwd lng="pt"><![CDATA[Spearman Rho]]></kwd>
</kwd-group>
</article-meta>
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