Relación entre la cultura financiera y el nivel de endeudamiento de los emprendedores del centro comercial Sachachorro en Iquitos periodo 2024

• Autores: Varas Navas, Maria de los Angeles, Huayaban Gonzales, Hector
• Formato: tesis de grado
• Fecha de Publicación: 2025
• Institución: Universidad Nacional De La Amazonía Peruana
• Repositorio: UNAPIquitos-Institucional
• Lenguaje: español
• OAI Identifier: oai:repositorio.unapiquitos.edu.pe:20.500.12737/11274
• Enlace del recurso: https://hdl.handle.net/20.500.12737/11274
• Nivel de acceso: acceso abierto
• Materia: X; https://purl.org/pe-repo/ocde/ford#5.02.04

This study investigates the relationship between financial culture and the level of indebtedness among entrepreneurs at the Sachachorro commercial center in Iquitos during the year 2024. Through a quantitative approach and a non experimental correlational design, data obtained from a sample of 80 entrepreneurs were analyzed. The results reveal a high positive correlation between financial culture and the level of indebtedness, with a Spearman coefficient of 0.721, although with marginal significance (p=0.051). Financial planning showed an even stronger relationship (Rho=0.7823, p=0.026), suggesting that proper planning contributes to more effective debt management. On the other hand, the relationship between budget management and indebtedness was not statistically significant (Rho=0.756, p=0.254), indicating that more efforts are needed in this area. Finally, a significant correlation was found between the capacity for indebtedness and financial culture (Rho=0.886, p=0.014), reaffirming the importance of financial education in decision-making. This study provides a foundation for future research and suggests the need to strengthen financial culture among entrepreneurs to improve their financial health and promote sustainable business development.