<?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>0123-5923</journal-id>
<journal-title><![CDATA[Estudios Gerenciales]]></journal-title>
<abbrev-journal-title><![CDATA[estud.gerenc.]]></abbrev-journal-title>
<issn>0123-5923</issn>
<publisher>
<publisher-name><![CDATA[Universidad Icesi]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0123-59232022000200211</article-id>
<article-id pub-id-type="doi">10.18046/j.estger.2022.163.4949</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Inclusión y alfabetización financiera: el caso de trabajadores estudiantes de nivel superior en Los Lagos, Chile]]></article-title>
<article-title xml:lang="en"><![CDATA[Inclusion and financial literacy: The case of higher education student workers in Los Lagos, Chile]]></article-title>
<article-title xml:lang="pt"><![CDATA[Inclusão e alfabetização financeira: o caso dos trabalhadores estudantes do ensino superior em Los Lagos, Chile]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ferrada]]></surname>
<given-names><![CDATA[Luz María]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Montaña]]></surname>
<given-names><![CDATA[Virginia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Los Lagos Departamento de Ciencias Administrativas y Económicas ]]></institution>
<addr-line><![CDATA[Osorno ]]></addr-line>
<country>Chile</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de Los Lagos Departamento de Ciencias Administrativas y Económicas ]]></institution>
<addr-line><![CDATA[Osorno ]]></addr-line>
<country>Chile</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2022</year>
</pub-date>
<volume>38</volume>
<numero>163</numero>
<fpage>211</fpage>
<lpage>221</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0123-59232022000200211&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0123-59232022000200211&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0123-59232022000200211&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En esta investigación se estudió la relación entre inclusión y alfabetización financiera de trabajadores estudiantes de carreras técnicas profesionales de la región de Los Lagos, Chile. Los objetivos específicos fueron medir la asociación entre alfabetización e inclusión financiera, analizar si existe una ventaja de inclusión al estar alfabetizado y evaluar el impacto de la alfabetización financiera en la inclusión. La muestra estuvo conformada por 470 estudiante-trabajadores y la metodología incluyó indicadores sintéticos, indicadores de asociación y estadísticos paramétricos y no paramétricos. Los resultados señalan una asociación positiva y significativa entre inclusión y alfabetización financiera. En general, los alfabetizados obtienen una ventaja de inclusión y se observa un efecto causal del comportamiento y conocimiento de productos financieros sobre la inclusión, aunque desde la alfabetización global. Clasificación JEL: G5I; G53; J24.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper studied the relationship between financial inclusion and financial literacy among student workers of professional technical careers in Los Lagos, Chile. The specific objectives were to measure the association between literacy and financial inclusion, to analyze whether there is an inclusion advantage to being literate, and to evaluate the impact of financial literacy on inclusion. The sample consisted of 470 student-workers and the methodology included synthetic indicators, association indicators, and parametric and non-parametric statistics. The results indicate a positive and significant association between inclusion and financial literacy. In general, the literate obtain an inclusion advantage and a causal effect of behavior and knowledge of financial products on inclusion is observed, although from the global literacy.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo Esta pesquisa estudou a relação entre inclusão e alfabetização financeira de trabalhadores estudantes de carreira técnica profissional na região de Los Lagos, Chile. Os objetivos específicos foram medir a associação entre alfabetização financeira e inclusão financeira, analisar se há uma vantagem de inclusão em ser alfabetizado e avaliar o impacto da alfabetização financeira na inclusão. A amostra foi composta por 470 estudantes-trabalhadores e a metodologia incluiu indicadores sintéticos, indicadores de associação e estatísticas paramétricas e não paramétricas. Os resultados apontam para uma associação positiva e significativa entre inclusão e alfabetização financeira. Em geral, os alfabetizados obtêm uma vantagem de inclusão e observa-se um efeito causal do comportamento e conhecimento dos produtos financeiros sobre a inclusão, embora a partir da alfabetização global.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[alfabetización financiera]]></kwd>
<kwd lng="es"><![CDATA[estudiantes]]></kwd>
<kwd lng="es"><![CDATA[capital humano]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[financial literacy]]></kwd>
<kwd lng="en"><![CDATA[students]]></kwd>
<kwd lng="en"><![CDATA[human capital]]></kwd>
<kwd lng="pt"><![CDATA[inclusão financeira]]></kwd>
<kwd lng="pt"><![CDATA[alfabetização financeira]]></kwd>
<kwd lng="pt"><![CDATA[estudantes]]></kwd>
<kwd lng="pt"><![CDATA[capital humano]]></kwd>
</kwd-group>
</article-meta>
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