<?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>1659-3359</journal-id>
<journal-title><![CDATA[Tec Empresarial]]></journal-title>
<abbrev-journal-title><![CDATA[Tec Empre.]]></abbrev-journal-title>
<issn>1659-3359</issn>
<publisher>
<publisher-name><![CDATA[Instituto Tecnológico de Costa Rica]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1659-33592024000100065</article-id>
<article-id pub-id-type="doi">10.18845/te.v18i1.7002</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Influence of skills and knowledge on the financial attitude of university students]]></article-title>
<article-title xml:lang="en"><![CDATA[Influencia de las habilidades y conocimientos en la actitud financiera de estudiantes universitarios]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Loza]]></surname>
<given-names><![CDATA[Renzi]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Romaní]]></surname>
<given-names><![CDATA[Gianni]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Castañeda]]></surname>
<given-names><![CDATA[Winston]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Arias]]></surname>
<given-names><![CDATA[Gerardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Privada de Tacna Facultad de Ciencias Empresariales ]]></institution>
<addr-line><![CDATA[Perú ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Católica del Norte Facultad de Economía y Administración ]]></institution>
<addr-line><![CDATA[Antofagasta ]]></addr-line>
<country>Chile</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Privada de Tacna Facultad de Ciencias Empresariales ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad Privada de Tacna Facultad de Ciencias Empresariales ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2024</year>
</pub-date>
<volume>18</volume>
<numero>1</numero>
<fpage>65</fpage>
<lpage>83</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.sa.cr/scielo.php?script=sci_arttext&amp;pid=S1659-33592024000100065&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.sa.cr/scielo.php?script=sci_abstract&amp;pid=S1659-33592024000100065&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.sa.cr/scielo.php?script=sci_pdf&amp;pid=S1659-33592024000100065&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The article analyzes the influence of knowledge and skills on the financial attitude of university students. Financial knowledge, skills, and attitudes are components of what is called financial literacy. The theory of human capital emphasizes the importance of investing in human capital to enhance individuals' decision-making. The empirical analysis uses a sample of 531 university students from Tacna, Peru. The results of the proposed structural equation model corroborate that financial knowledge and skills directly and positively influence university students' financial attitude. The findings offer important implications for students and higher education institutions by highlighting the importance of incorporating courses and workshops on personal finance to acquire knowledge and improve students' financial skills and, consequently, facilitate the development of a financial attitude that allows them to make more informed financial decisions.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de este artículo es analizar la influencia de los conocimientos y las habilidades en las actitud financiera de estudiantes universitarios. El conocimiento, habilidades y actitud financiera son componentes de lo que se denomina cultura financiera. La teoría del capital humano enfatiza la importancia de invertir en capital humano para mejorar la toma de decisiones de las personas. El análisis empírico utiliza una muestra de 531 estudiantes universitarios de Tacna, Perú. Los resultados del modelo de ecuaciones estructurales propuesto corroboran que los conocimientos y habilidades financieras influyen directa y positivamente en la actitud financiera de los estudiantes universitarios. Los hallazgos ofrecen importantes implicaciones para estudiantes e instituciones de educación superior al resaltar la importancia de incorporar cursos y talleres sobre finanzas personales para adquirir conocimientos y mejorar las habilidades financieras de los estudiantes y, en consecuencia, facilitar el desarrollo de una actitud financiera que les permita tomar decisiones financieras más informadas.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Knowledge]]></kwd>
<kwd lng="en"><![CDATA[skills]]></kwd>
<kwd lng="en"><![CDATA[financial attitude]]></kwd>
<kwd lng="en"><![CDATA[university students]]></kwd>
<kwd lng="en"><![CDATA[structural equation model]]></kwd>
<kwd lng="es"><![CDATA[Conocimientos]]></kwd>
<kwd lng="es"><![CDATA[habilidades]]></kwd>
<kwd lng="es"><![CDATA[actitud financiera]]></kwd>
<kwd lng="es"><![CDATA[estudiantes universitarios]]></kwd>
<kwd lng="es"><![CDATA[modelo de ecuaciones estructurales]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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<article-title xml:lang=""><![CDATA[Análisis de las finanzas personales de los estudiantes de la Corporación Universitaria Americana (CUA) sede Montería, respecto a la cultura del ahorro]]></article-title>
<source><![CDATA[Ad-gnosis]]></source>
<year>2019</year>
<volume>8</volume>
<numero>8</numero>
<issue>8</issue>
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