Autoeficacia financiera y gestión financiera en estudiantes de Administración de la Amazonía peruana

Financial self-efficacy and financial management among management students in the Peruvian Amazon

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Contexto: La autoeficacia financiera refleja la confianza percibida para gestionar recursos económicos y se vincula con las prácticas financieras universitarias. Objetivo: Determinar la relación predictiva entre la autoeficacia financiera y el comportamiento de gestión financiera en estudiantes de Administración de una universidad de la Amazonía peruana. Método: Investigación cuantitativa, con estrategia asociativa y diseño predictivo transversal; con una muestra probabilística de 235 estudiantes obtenida por muestreo aleatorio simple a la que se le aplicaron los instrumentos: escala de autoeficacia financiera de cuatro ítems y Financial Management Behavior Scale (ω = .839 y .786); se realizó un análisis de regresión lineal simple con errores estándar robustos HC3 y bootstrap por pares con 5000 remuestras. Resultados: Se obtiene una relación positiva y con significación estadística (β = .476, p < .001; R² = .227; B = 1.118; IC 95 % [.847, 1.389]) entre la autoeficacia financiera y el comportamiento de gestión financiera. Conclusiones: La autoeficacia financiera predice positivamente la gestión financiera, por lo que fortalecerla mediante intervenciones educativas podría mejorar las prácticas económicas de los estudiantes universitarios amazónicos.
Background: Financial self-efficacy reflects one's perceived confidence in managing economic resources and is linked to the financial practices of university students. Objective: To determine the predictive relationship between financial self-efficacy and financial management behavior among business administration students at a university in the Peruvian Amazon. Method: This quantitative study employed an associative strategy and a cross-sectional predictive design. A probability sample of 235 students was selected via simple random sampling. Data were collected using a four-item financial self-efficacy scale and the Financial Management Behavior Scale (ω = .839 and .786, respectively). A simple linear regression analysis was conducted using HC3 robust standard errors and a paired bootstrap procedure with 5,000 resamples. Results: A positive, statistically significant relationship was found (β = .476, p < .001; R² = .227; B = 1.118; 95% CI [.847, 1.389]) between financial self-efficacy and financial management behavior. Conclusions: Financial self-efficacy positively predicts financial management; therefore, strengthening this trait through educational interventions could improve the economic practices of university students in the Amazon region.

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Sáenz Avila, J. C., Sarabia Murrieta, E., Herrera Valencia, D. E., & Huaranja Montaño, E. A. (2026). Autoeficacia financiera y gestión financiera en estudiantes de Administración de la Amazonía peruana. Impulso, Revista De Administración, 6(16), 1-15. https://doi.org/10.59659/impulso.v.6i16.384
Número
Vol. 6 Núm. 16 (2026): Volumen 6 | Número 16 | Octubre – Diciembre - 2026
Sección
Artículos de Investigación
Creative Commons License

Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial-CompartirIgual 4.0.

Cómo citar

Sáenz Avila, J. C., Sarabia Murrieta, E., Herrera Valencia, D. E., & Huaranja Montaño, E. A. (2026). Autoeficacia financiera y gestión financiera en estudiantes de Administración de la Amazonía peruana. Impulso, Revista De Administración, 6(16), 1-15. https://doi.org/10.59659/impulso.v.6i16.384

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