<?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>0120-8160</journal-id>
<journal-title><![CDATA[Revista EAN]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. esc.adm.neg]]></abbrev-journal-title>
<issn>0120-8160</issn>
<publisher>
<publisher-name><![CDATA[Universidad EAN]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-81602020000200051</article-id>
<article-id pub-id-type="doi">10.21158/01208160.n89.2020.2816</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[La conducta financiera entre estudiantes universitarios emprendedores]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial behavior among entrepreneurial university students]]></article-title>
<article-title xml:lang="pt"><![CDATA[Comportamento financeiro entre estudantes universitários empreendedores]]></article-title>
<article-title xml:lang="fr"><![CDATA[Analyse des comportements financiers des étudiants de gestion d&#8217;entreprise]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Décaro-Santiago]]></surname>
<given-names><![CDATA[Laura Angélica]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Soriano-Hernández]]></surname>
<given-names><![CDATA[María Guadalupe]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Benítez-Guadarrama]]></surname>
<given-names><![CDATA[Juan Pedro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Soriano-Hernández]]></surname>
<given-names><![CDATA[Juana Gabriela]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma del Estado de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma del Estado de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Autónoma del Estado de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad Autónoma del Estado de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2020</year>
</pub-date>
<numero>89</numero>
<fpage>51</fpage>
<lpage>68</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-81602020000200051&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-81602020000200051&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-81602020000200051&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Para reducir parte de las barreras del emprendimiento y disminuir los índices de mortandad de las empresas de nueva creación, es necesario generar estrategias que fomenten decisiones en temas de finanzas personales entre los estudiantes universitarios, de manera más consciente y precisa. Teniendo en cuenta que el papel de las instituciones de educación superior es determinante para fortalecer dicha capacidad, el objetivo de esta investigación es explorar la conducta financiera de los estudiantes universitarios de dos centros universitarios de la Universidad Autónoma del Estado de México (UAEM). Esto al hacer la distinción entre aquellos que son emprendedores, emprendedores potenciales y aquellos que no los son, con la finalidad de identificar conductas en temas de crédito, ahorro y administración del dinero, sin olvidar los niveles de inclusión en el sistema financiero formal. La recolección de los datos se obtuvo a través de la aplicación de un cuestionario de preguntas cerradas. La muestra se conformó con 518 estudiantes de Administración, Contaduría, Derecho, Psicología, Ingeniería en Computación e Informática. Se utilizaron herramientas de medición tales como frecuencias y pruebas de asociación de variables de la estadística descriptiva. Entre los principales resultados se identifica que el 14,5 % de los estudiantes son emprendedores, mientras que el 69,7 % son emprendedores potenciales. Además, se identifica dependencia del estatus del emprendimiento con la inclusión al crédito formal, el pago de tarjetas de crédito, el pago a tiempo de las cuentas, el análisis del gasto hormiga, el registro de los gastos y la asignación de recursos.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract In order to reduce some of the barriers to entrepreneurship and decrease the mortality rates of newly established enterprises, it is necessary to create strategies that encourage more conscious and accurate decisions on personal finance issues among university students. Considering that the role of higher education institutions is determinant to strengthen such capacity, the aim of this research is to explore the financial behavior of university students from two university centers of Universidad Autónoma del Estado de México (UAEM). This is performed by distinguishing between those who are entrepreneurs or potential entrepreneurs, and those who are not, in order to identify behaviors towards credit, savings, and money management issues, without forgetting the levels of inclusion in the formal financial system. Data collection took place through the application of a questionnaire with closed questions to a sample of 518 students of Administration, Accounting, Law, Psychology, Computer Engineering, and Computer Science. Measurement tools such as frequencies and tests for association of variables of descriptive statistics were used. Among the major results, we identified that 14.5% of the students are entrepreneurs, while 69.7% are potential entrepreneurs. In addition, we identified the dependence on the status of entrepreneurship including formal credit, payment of credit cards, timely payment of bills, analysis of ant-expenditure, recording of expenses, and allocation of resources.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo Para diminuir parte das barreiras do empreendedorismo e diminuir as taxas de mortalidade de empresas recém-criadas, é necessário gerar estratégias que promovam decisões sobre temas de finanças pessoais entre os estudantes universitários, de forma mais consciente e precisa. Levando em consideração que o papel das instituições de ensino superior é decisivo para fortalecer essa capacidade, o objetivo desta pesquisa é explorar o comportamento financeiro dos estudantes universitários de dois centros universitários da Universidade Autônoma do Estado do México (UAEM). Isto fazendo a distinção entre empresários, empresários potenciais ou não, com a finalidade de identificar comportamentos em matéria de crédito, poupança e administração de dinheiro, sem esquecer os níveis de inclusão no sistema financeiro formal. A coleta de dados foi obtida através da aplicação de um questionário com perguntas fechadas. A amostra foi composta por 518 estudantes de Administração, Ciências Contábeis, Direito, Psicologia, Engenharia da Computação e Informática. Foram utilizadas ferramentas de mensuração como frequências e testes de associação de variáveis de estatísticas descritivas. Dentre os principais resultados, identifica-se que 14,5% dos alunos são empreendedores, enquanto 69,7% são empreendedores potenciais. Além disso, a dependência da situação do empreendimento é identificada com a inclusão de crédito formal, pagamento de cartões de crédito, pagamento de contas em dia, análise de gastos, registro de gastos e atribuição de recursos.]]></p></abstract>
<abstract abstract-type="short" xml:lang="fr"><p><![CDATA[Résumé Pour réduire les barrières d&#8217;accès à l'entrepreneuriat et diminuer les taux de faillite des jeunes entreprises, il faut générer des stratégies renforçant les prises de décisions conscientes touchant aux finances personnelles des étudiants universitaires. Compte tenu du rôle déterminant des établissements d'enseignement supérieur pour renforcer cette capacité décisionnaire, cette investigation analysera le comportement financier des étudiants universitaires de deux sites de l'Université Autonome de l&#8217;État de México (UAEM). Cette investigation fera la distinction entre les étudiants de cursus de gestion d&#8217;entreprise, les étudiants étant de potentiels entrepreneurs, et ceux qui ne le sont pas, afin d'identifier les comportements en matière de crédit, d'épargne, de gestion financière et de taux d'utilisation du système financier institutionnel. La collecte des données a été mise en place grâce à un questionnaire fermé. L'échantillon, qui se compose de 518 étudiants de gestion, comptabilité, droit, psychologie et génie informatique, a été soumis à des mesures de fréquences et des tests d'association de variables statistiques et descriptives. Les principaux résultats montrent que 14,5% des étudiants sont des entrepreneurs, 69,7% sont des entrepreneurs potentiels, et que le statut d'entrepreneur dépend d&#8217;une bonne utilisation du crédit, du paiement ponctuel des cartes de crédit et des factures, de l'analyse précise des dépenses et de l'allocation stricte des ressources.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
<kwd lng="es"><![CDATA[conducta financiera]]></kwd>
<kwd lng="es"><![CDATA[emprendimiento]]></kwd>
<kwd lng="es"><![CDATA[emprendimiento universitario]]></kwd>
<kwd lng="es"><![CDATA[potencial emprendedor]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[administración del dinero]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="en"><![CDATA[financial behavior]]></kwd>
<kwd lng="en"><![CDATA[entrepreneurship]]></kwd>
<kwd lng="en"><![CDATA[university entrepreneurship]]></kwd>
<kwd lng="en"><![CDATA[entrepreneurial potential]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[money management]]></kwd>
<kwd lng="pt"><![CDATA[educação financeira]]></kwd>
<kwd lng="pt"><![CDATA[conduta financeira]]></kwd>
<kwd lng="pt"><![CDATA[empreendedorismo]]></kwd>
<kwd lng="pt"><![CDATA[empreendedorismo universitário]]></kwd>
<kwd lng="pt"><![CDATA[empreendedor potencial]]></kwd>
<kwd lng="pt"><![CDATA[inclusão financeira]]></kwd>
<kwd lng="pt"><![CDATA[administração de dinheiro]]></kwd>
<kwd lng="fr"><![CDATA[étudiants universitaires]]></kwd>
<kwd lng="fr"><![CDATA[entrepreneuriat]]></kwd>
<kwd lng="fr"><![CDATA[entrepreneuriat universitaire]]></kwd>
<kwd lng="fr"><![CDATA[entrepreneurs potentiels]]></kwd>
<kwd lng="fr"><![CDATA[inclusion financière]]></kwd>
<kwd lng="fr"><![CDATA[éducation financière]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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