Translation, Adaptation and Validation of the Financial Distress/Financial Well-Being Scale in Economically Active Adults from the Peruvian Highlands
DOI:
https://doi.org/10.22235/cp.v19i2.4407Keywords:
factor analysis, invariance, reliability, financial well-being, workers, PeruAbstract
El bienestar financiero ayuda a reducir el estrés y mejorar la calidad de vida. Ante la escasez de instrumentos validados en Perú, se tuvo como objetivo analizar las propiedades psicométricas de la Financial Distress/Financial Well-Being Scale en trabajadores de la sierra peruana. Bajo un estudio de diseño instrumental, participaron voluntariamente 1.059 trabajadores de ambos sexos, con edades comprendidas entre 18 y 65 años. Los participantes fueron reclutados de tres ciudades del sur peruano: Cuzco, Arequipa y Puno. Como resultados, todos los ítems fueron evaluados favorablemente por los jueces expertos. La estructura interna se validó mediante el análisis factorial confirmatorio, con el que se confirmó el modelo original: CFI = .992, RMSEA = .063, SRMR = .027, teniendo cargas factoriales entre .34 y .79, y una fiabilidad muy buena (ω = .82). También la escala demostró ser invariante según género y tipo de trabajo, con correlaciones significativas con otros instrumentos que miden el estrés financiero, el bienestar general y la satisfacción con la vida, lo que da cuenta de su validez convergente. En conclusión, la Escala de Bienestar Financiero traducida y adaptada al contexto peruano (EBF-Per) es una medida breve, válida y confiable para trabajadores peruanos, por lo que puede ser útil en investigaciones orientadas a evaluar el nivel de bienestar financiero.
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