Escala de Protección y Riesgo de Sobreendeudamiento
construcción y evidencia de validez
DOI:
https://doi.org/10.1590/0102.3772e40503.pt%20Palabras clave:
análisis factorial, validez, consumo, sobreendeudamientoResumen
El objetivo de este estudio es presentar evidencias de validez de la Escala de Protección y Riesgo de Sobreendeudamiento (EPRIS). El instrumento fue construido para evaluar aspectos actitudinales (conductuales, cognitivos y afectivos) que previenen o favorecen el sobreendeudamiento, considerado un grave problema social. En la modalidad online participaron 444 adultos. El análisis factorial exploratorio reveló la presencia de dos factores: protección contra el sobreendeudamiento (13 ítems) y riesgo de sobreendeudamiento (21 ítems), con buenos niveles de ajuste. La validez de criterio mostró que ambos factores diferenciaron grupos en términos de estrés autopercibido, preocupación financiera, presencia/ausencia de deuda y perfil de consumo. Se cree que EPRIS tiene potencial para contribuir a la formulación de políticas públicas dirigidas a abordar el fenómeno del sobreendeudamiento.
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Derechos de autor 2024 Ana Cláudia Almeida Machado, Profa. Eliane Seidl, Prof. Josemberg Andrade
Esta obra está bajo una licencia internacional Creative Commons Atribución 4.0.
