Attitude towards debt and its relationship with the financial well-being of entrepreneurs in the San Martín Region

Authors

  • Uziel Calderón Gormás Universidad Peruana Unión – Tarapoto Campus
  • Jessica Rossana Mesía Mas Universidad Peruana Unión – Tarapoto Campus
  • Marisol Carranza Molina Universidad Peruana Unión – Tarapoto Campus

DOI:

https://doi.org/10.25097/rep.n44.2026.07

Keywords:

attitude toward indebtedness, entrepreneurs, financial management, financial well-being, San Martín region

Abstract

The purpose of the study was to determine the relationship between attitudes toward debt and the financial well-being of entrepreneurs in the San Martín region, a context characterized by an emerging economy and limited access to formal credit. A quantitative approach was used, employing a non-experimental, cross-sectional design with a correlational focus. Data were collected using a structured online questionnaire, which was validated by five experts. Descriptive statistics and Spearman’s Rho correlation coefficient were used for data analysis. The findings reveal a moderate and significant positive relationship between attitudes toward debt and financial well-being (Rho = 0,417; p = ,001). These results suggest that a more favorable attitude toward debt is associated with higher levels of perceived financial well-being among entrepreneurs.

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Published

2026-07-23

How to Cite

Calderón Gormás, U., Mesía Mas, J. R., & Carranza Molina, M. (2026). Attitude towards debt and its relationship with the financial well-being of entrepreneurs in the San Martín Region. Economy and Politics Journal, (44), 107–120. https://doi.org/10.25097/rep.n44.2026.07

Issue

No. 44 (2026): July/December

Section

Artículos

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