El objeto de estudio de la presente investigación fue analizar el nivel de educación financiera de los habitantes de la ciudad de Navojoa, Sonora y su influencia en la toma de decisiones de endeudamiento en tarjetas de crédito, mediante la aplicación un instrumento de 19 preguntas, dividido en tres categorías, que mide el nivel de educación financiera, el nivel de endeudamiento, el uso y conocimiento de tarjetas de crédito y la relación que existe entre ellos, a una muestra de 661 sujetos.  Los resultados obtenidos, demostraron que las personas encuestadas tienen un nivel medio de educación financiera y de endeudamiento, y un nivel medio-alto del uso y conocimiento de las tarjetas de crédito, por lo tanto, se puede decir que, el nivel de educación financiera que tienen los encuestados se encuentra relacionado con el endeudamiento de los mismos y a su vez con el uso y conocimiento que tiene sobre el producto financiero que utilizan. Lo que significa que mientras más se conoce de un tema el usuario tendrá la capacidad de tomar una decisión asertiva.

The objective of the present research was to determine the degree of validity and reliability of an instrument that measures the perception of the Quality of Work Life to provide elements on the strength of its psychometric properties. A quantitative methodology was used, with a non-experimental design, cross-sectional scope and descriptive type. The sample consisted of 202 workers from three organizations, located in the municipality of Navojoa, Sonora, Mexico, the type of sampling was a convenience fee. Construct validity and reliability tests were formulated for internal consistency. Validity results by varimax rotation indicate that the 15 dimensions of the instrument explain 65.9% of the variance of the instrument results, while the Cronbach's alpha coefficient for the global scale shows a value of 0.974, both results are considered adequate. It is concluded that the instrument has acceptable validity and reliability properties that allow it to continue with tests to strengthen such properties, as well as being valid and reliable to collect the perception of the quality of work life in workers.

Las redes sociales han adquirido gran popularidad en la última década, dado que se trata del principal medio de comunicación entre los jóvenes, cada vez es más común que los consumidores tomen a consideración información obtenida de las redes sociales al momento de realizar una compra ya que la interacción que se genera a través de estos medios permite compartir experiencias, información y percepciones, el objetivo del presente estudio es determinar el nivel de influencia del internet y las redes sociales en el comportamiento de consumo del estudiante universitario para basar sus decisiones de compra. Tomando como base un instrumento de medición compuesto por tres dimensiones de análisis: elementos que influyen en la decisión de compra por internet, influencia de las redes sociales en la decisión de consumo de bienes y servicios y nivel de satisfacción de compras en línea.

The present research shows a diagnosis whose objective was to know the level of financial education that the fifth grade children of the city of Navojoa, Sonora, have to make a didactic proposal. The research was exploratory, descriptive and transversal, using the case study. A questionnaire was applied to 1,862 fifth grade children in urban schools in Navojoa city, Sonora. The questionnaire included seven variables with 35 questions using the Multiple Response Model. The results indicated, according to the scale used, that respondents possess acceptable knowledge in financial education. ANOVA confirmed significant differences in some variables taking into consideration aspects such as the type of school, school grade, sex, age and parental education level.

This study is carried out with the purpose of determining the correlational-causal relationship between the variables sustainable economic development, equitable social development, efficient and participatory institutional development and technology, for this the following methodology was developed: a quantitative study, with a non-experimental design, of transectional cut. The measurement instrument used was the questionnaire, consisting of three independent and one dependent variables, with 71 questions. Each construct contains a series of items that are related to the variable to be measured. The statistical methods that were considered the most appropriate for the analysis of the data collected were: cronbach's alpha, to measure the reliability of the instrument and; the multiple linear regression method for checking the model. The results obtained show that there is a positive relationship between the variables and, with the ANOVA test it was possible to verify that the three independent variables proposed in the theoretical model are statistically significant, since they have a significance level of 0.000, therefore it is considered relevant. The contribution of this research lies in granting the input of strategies to the authorities of the surveyed municipality to help improve their economic conditions.