Relación entre resiliencia financiera, actitud financiera y bienestar financiero en Millennials de Arequipa

Diana Carolina Alvarez Valdivia; Gonzalo Teófilo Moya Bejar; Reynel Amador Evangelista Paytan; César Augusto Medrano Rodríguez; Raúl Oswaldo Pango Rondón

doi:10.22451/3002.nbr2026.vol12.1.10120

Authors

Diana Carolina Alvarez Valdivia Universidad Tecnológica del Perú https://orcid.org/0009-0008-6264-7834
Gonzalo Teófilo Moya Bejar Universidad Tecnológica del Perú https://orcid.org/0000-0003-2769-181X
Reynel Amador Evangelista Paytan Universidad Tecnológica del Perú
César Augusto Medrano Rodríguez Universidad Tecnológica del Perú https://orcid.org/0000-0001-9379-3668
Raúl Oswaldo Pango Rondón Universidad https://orcid.org/0009-0006-4007-0777

DOI:

https://doi.org/10.22451/3002.nbr2026.vol12.1.10120

Keywords:

Financial attitude, financial well-being, financial resilience, Millennials.

Abstract

This study analyzes the relationship between financial resilience, financial attitude, and financial well-being among Millennials in Arequipa, within a context of economic instability. A quantitative approach was employed, using a non-experimental, cross-sectional design with a descriptive correlational scope. The sample consisted of 483 participants, who were administered a questionnaire based on validated scales using a seven-point Likert format. The results show that financial attitude maintains a positive and statistically significant relationship albeit of low magnitude with financial well-being, indicating that factors such as self-control, planning, and savings orientation influence the perception of economic stability. In contrast, financial resilience does not present significant relationships with either financial well-being or financial attitude. These findings suggest that, in urban contexts such as Arequipa, financial well-being is primarily associated with immediate psychological and attitudinal factors rather than with structural capacities to adapt to economic shocks. In conclusion, this study contributes to the literature by highlighting the relevance of financial attitude and underscores the need for longitudinal research to analyze the dynamic role of financial resilience.

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Author Biographies

Diana Carolina Alvarez Valdivia, Universidad Tecnológica del Perú

Licenciada en Administracion Banca y Finanzas con cursos de especializacion en atención al cliente, manejo de herramientas ofimáticas a nivel intermedio y gestión financiera.

Gonzalo Teófilo Moya Bejar, Universidad Tecnológica del Perú

MBA with a specialization in General Management from the Graduate School of the Universidad San Pablo – IEP, Madrid, Spain; Master’s in Higher Education and Educational Management from UTP. Doctor of Business Administration (DBA) candidate at UNSA. Master’s in Economics with a concentration in Public Management candidate at UNSA. Bachelor’s in Business Administration from the Catholic University of Santa María; certificates in human resources, logistics, and international trade; specialized courses in data science, digital marketing, and project management.

Reynel Amador Evangelista Paytan , Universidad Tecnológica del Perú

Bachelor's degree in Banking and Finance Administration; currently pursuing a master's degree in University Teaching, Education, and Educational Management at UTP.

César Augusto Medrano Rodríguez , Universidad Tecnológica del Perú

Master’s Degree in Strategic Business Administration (MBA-CENTRUM) from the Pontifical Catholic University of Peru; Bachelor’s Degree in Economics; Specializations in the Formulation and Management of Innovation and Creativity Projects, SME Management, Financial Management, Trade Show Management, Business Matchmaking and Trade Missions, and Educational Management. He has worked as an executive in the financial and banking sector and is currently the Academic Coordinator at the Technological University of Peru (UTP). He is also a consultant and economic and business advisor.

Raúl Oswaldo Pango Rondón, Universidad

MBA in Business Administration and Management from the University of Tarapacá in Arica, Chile. Bachelor of Business Administration from the University of Tarapacá in Arica, Chile.

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