<?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>2218-3620</journal-id>
<journal-title><![CDATA[Revista Universidad y Sociedad]]></journal-title>
<abbrev-journal-title><![CDATA[Universidad y Sociedad]]></abbrev-journal-title>
<issn>2218-3620</issn>
<publisher>
<publisher-name><![CDATA[Editorial "Universo Sur"]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2218-36202018000100320</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Endeudamiento y comportamiento de los consumidores ¿Cómo influye la afiliación religiosa?]]></article-title>
<article-title xml:lang="en"><![CDATA[Indebtedness and behavior of consumers. How does religious affiliation influence these conducts?]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Baño Hifóng]]></surname>
<given-names><![CDATA[María Mercedes]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Silva Guerrero]]></surname>
<given-names><![CDATA[Blanca]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Larrochelli Muñiz]]></surname>
<given-names><![CDATA[Manuel Antonio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Católica de Santiago de Guayaquil  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>República del Ecuador</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de Guayaquil  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>República del Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2018</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2018</year>
</pub-date>
<volume>10</volume>
<numero>1</numero>
<fpage>320</fpage>
<lpage>325</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_arttext&amp;pid=S2218-36202018000100320&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_abstract&amp;pid=S2218-36202018000100320&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_pdf&amp;pid=S2218-36202018000100320&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El objetivo del artículo es presentar una revisión de literatura de estudios realizados a nivel mundial sobre la influencia que tiene la afiliación religiosa en el comportamiento financiero de los individuos, de forma particular se ha buscado rescatar la relación sobre la conducta al endeudamiento y al comportamiento al consumidor. El estudio abarca el análisis de estudios realizados desde 1988 al 2013, destacando los principales hallazgos encontrados y evidencia la falta de literatura en este ámbito, las conclusiones permiten encontrar importantes relaciones entre la afiliación religiosa y el comportamiento en general de las personas, la influencia cultura también se destaca como variable importante en el estudio.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT The goal of this paper is to present a literature review of studies conducted at the global level on the influence of religious affiliation in the financial behavior of individuals, in particular, has sought to rescue the relationship on the conduct to the indebtedness and consumer behavior. The study covers the analysis of studies from 1988 to 2013, highlighting the main findings and evidence the lack of literature in this area, the conclusions allow you to find important relationships between religious affiliation and the general behavior of the people, the influence culture also stands out as an important variable in the study.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Religión]]></kwd>
<kwd lng="es"><![CDATA[endeudamiento]]></kwd>
<kwd lng="es"><![CDATA[comportamiento]]></kwd>
<kwd lng="es"><![CDATA[cultura]]></kwd>
<kwd lng="en"><![CDATA[Religion]]></kwd>
<kwd lng="en"><![CDATA[indebtedness]]></kwd>
<kwd lng="en"><![CDATA[behavior]]></kwd>
<kwd lng="en"><![CDATA[culture]]></kwd>
</kwd-group>
</article-meta>
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</ref-list>
</back>
</article>
