Conducta financiera del venezolano: Una escala para contextos de adversidad económica

Financial conduct is understood as any action that involves the use of money. These behaviors may vary depending on the economic reality of the countries, being the territories with financial difficulties those that pose great est challenges in their measurement. The objective was to develop a financial behavior scale and analyze its psycho metric properties. The items were prepared with the col-laboration of expert judges and the dimensions of financial behavior were: (a) savings behavior , (b) debt management and (c) money management . The sample consisted of 780 participants (59.74% female) from Caracas aged between 18 and 70 years, from different occupational sectors. An ad equate internal consistency of the instrument was obtained in most of the factors. In addition, evidence of external va-lidity to the test was found. Differences in the three dimen sions depending on sociodemographic variables are shown in the study.