<?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>2477-9075</journal-id>
<journal-title><![CDATA[Revista Economía y Política]]></journal-title>
<abbrev-journal-title><![CDATA[Revista Economía y Política]]></abbrev-journal-title>
<issn>2477-9075</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Cuenca]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2477-90752022000100096</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Estudio de los predictores del comportamiento de ahorro en estudiantes universitarios ecuatorianos]]></article-title>
<article-title xml:lang="en"><![CDATA[A study of the predictors of saving behavior in Ecuadorian university students]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Zumárraga-Espinosa]]></surname>
<given-names><![CDATA[Marcos]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Politécnica Salesiana  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Ecuador</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>
<numero>35</numero>
<fpage>96</fpage>
<lpage>122</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_arttext&amp;pid=S2477-90752022000100096&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_abstract&amp;pid=S2477-90752022000100096&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_pdf&amp;pid=S2477-90752022000100096&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Esta investigación explora, desde una perspectiva interdisciplinaria, los determinantes del comportamiento de ahorro individual en el contexto ecuatoriano. Para ello, se propone un modelo explicativo que integra aportes teóricos producidos desde la economía, la sociología y la psicología. El estudio cuantitativo se basó en una muestra de 1535 estudiantes universitarios de establecimientos públicos y privados de Quito-Ecuador. El modelo de regresión multivariante desarrollado indica que variables socioeconómicas como los ingresos familiares, la edad, la escolaridad parental y el género no predicen significativamente el comportamiento de ahorro. En contraste, la socialización financiera familiar, el altruismo y el alfabetismo financiero se relacionan positivamente con el comportamiento de ahorro. Entre los predictores significativos, el alfabetismo financiero se posicionó como el factor explicativo más relevante del comportamiento de ahorro.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract From an interdisciplinary perspective, this research explores the determinants of individual savings behavior in the Ecuadorian context. To this end, an explanatory model that integrates theoretical contributions produced from economics, sociology, and psychology is proposed. We based the quantitative study on a sample of 1535 university students from public and private institutions in Quito, Ecuador. The multivariate regression analysis shows that socioeconomic variables such as family income, age, parental education, and gender do not significantly predict saving behavior. In contrast, there is a positive relationship between family financial socialization, altruism, and financial literacy to saving behavior. Financial literacy was positioned as the most relevant explanatory factor of saving behavior among the significant predictors.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[ahorro]]></kwd>
<kwd lng="es"><![CDATA[comportamiento de ahorro]]></kwd>
<kwd lng="es"><![CDATA[predictores]]></kwd>
<kwd lng="es"><![CDATA[investigación interdisciplinaria]]></kwd>
<kwd lng="es"><![CDATA[Ecuador.]]></kwd>
<kwd lng="en"><![CDATA[saving]]></kwd>
<kwd lng="en"><![CDATA[saving behavior]]></kwd>
<kwd lng="en"><![CDATA[predictors]]></kwd>
<kwd lng="en"><![CDATA[interdisciplinary research]]></kwd>
<kwd lng="en"><![CDATA[Ecuador.]]></kwd>
</kwd-group>
</article-meta>
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