<?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>1688-4221</journal-id>
<journal-title><![CDATA[Ciencias Psicológicas]]></journal-title>
<abbrev-journal-title><![CDATA[Cienc. Psicol.]]></abbrev-journal-title>
<issn>1688-4221</issn>
<publisher>
<publisher-name><![CDATA[Universidad Católica del Uruguay.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1688-42212025000201212</article-id>
<article-id pub-id-type="doi">10.22235/cp.v19i2.4407</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Translation, Adaptation and Validation of the Financial Distress/Financial Well-Being Scale in Economically Active Adults from the Peruvian Highlands]]></article-title>
<article-title xml:lang="es"><![CDATA[Traducción, adaptación y validación de la Escala de Bienestar Financiero para adultos laboralmente activos de la sierra peruana]]></article-title>
<article-title xml:lang="pt"><![CDATA[Tradução, adaptação e validação da Escala de Bem-estar Financeiro para adultos com emprego ativo no planalto peruano]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mamani-Benito]]></surname>
<given-names><![CDATA[Oscar]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Palomino Mariño]]></surname>
<given-names><![CDATA[Clis Oshin]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Carranza Esteban]]></surname>
<given-names><![CDATA[Renzo Felipe]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Caycho-Rodriguez]]></surname>
<given-names><![CDATA[Tomás]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Castillo-Blanco]]></surname>
<given-names><![CDATA[Ronald]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Pacheco Vizcarra]]></surname>
<given-names><![CDATA[Milagros Yesenia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Morales-Garcia]]></surname>
<given-names><![CDATA[Wilter C.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Señor de Sipán  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Peruana Unión  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad San Ignacio de Loyola  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad Científica del Sur  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af5">
<institution><![CDATA[,Universidad Científica del Sur  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af6">
<institution><![CDATA[,Universidad Nacional del Altiplano  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af7">
<institution><![CDATA[,Universidad Peruana Unión  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2025</year>
</pub-date>
<volume>19</volume>
<numero>2</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_arttext&amp;pid=S1688-42212025000201212&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_abstract&amp;pid=S1688-42212025000201212&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_pdf&amp;pid=S1688-42212025000201212&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: Having financial well-being reduces stress and improves quality of life. Given the scarcity of validated instruments in Peru, this study aimed to analyze the psychometric properties of the Financial Distress/Financial Well-Being Scale in workers from the Peruvian highlands. Using an instrumental design, 1,059 workers of both sexes, aged between 18 and 65 years, voluntarily participated. The participants were recruited from three cities in southern Peru: Cuzco, Arequipa, and Puno. The results showed that all items were positively evaluated by expert judges. The internal structure was validated through confirmatory factor analysis, which confirmed the original model: CFI = .992, RMSEA = .063, SRMR = .027, with factor loadings ranging from .34 to .79, and very good reliability (&#969; = .82). Additionally, the scale demonstrated invariance by gender and type of work, showing significant correlations with other instruments measuring Financial Stress, General Well-Being, and Life Satisfaction, indicating its convergent validity. In conclusion, the translated and adapted Financial Well-Being Scale for the Peruvian context (EBF-Per) is a brief, valid, and reliable measure for Peruvian workers, making it useful for research aimed at evaluating levels of financial well-being.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: 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 (&#969; = .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.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo: O bem-estar financeiro ajuda a reduzir o estresse e a melhorar a qualidade de vida. Diante da escassez de instrumentos validados no Peru, o objetivo foi analisar as propriedades psicométricas da Financial Distress/Financial Well-Being Scale em trabalhadores da serra peruana. Em um estudo de delineamento instrumental, participaram voluntariamente 1059 trabalhadores de ambos os sexos, com idades entre 18 e 65 anos. Os participantes foram recrutados em três cidades do sul peruano: Cuzco, Arequipa e Puno. Como resultados, todos os itens foram avaliados favoravelmente por juízes especialistas. A estrutura interna foi validada por meio de análise fatorial confirmatória, na qual o modelo original foi confirmado: CFI = 0,992, RMSEA = 0,063, SRMR = 0,027, com cargas fatoriais entre 0,34 e 0,79, e confiabilidade muito boa (&#969; = 0,82). A escala também se mostrou invariante segundo gênero e tipo de trabalho, com correlações significativas com outros instrumentos que mensuram Estresse Financeiro, Bem-estar Geral e Satisfação com a Vida, o que evidencia sua validade convergente. Em conclusão, a Escala de Bem-estar Financeiro traduzida e adaptada ao contexto peruano (EBF-Per) é uma medida breve, válida e confiável para trabalhadores peruanos, podendo ser útil em pesquisas voltadas à avaliação do nível de bem-estar financeiro.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[factor analysis]]></kwd>
<kwd lng="en"><![CDATA[invariance]]></kwd>
<kwd lng="en"><![CDATA[reliability]]></kwd>
<kwd lng="en"><![CDATA[financial well-being]]></kwd>
<kwd lng="en"><![CDATA[workers]]></kwd>
<kwd lng="en"><![CDATA[Peru]]></kwd>
<kwd lng="es"><![CDATA[análisis factorial]]></kwd>
<kwd lng="es"><![CDATA[invarianza]]></kwd>
<kwd lng="es"><![CDATA[confiabilidad]]></kwd>
<kwd lng="es"><![CDATA[bienestar financiero]]></kwd>
<kwd lng="es"><![CDATA[trabajadores]]></kwd>
<kwd lng="es"><![CDATA[Perú]]></kwd>
<kwd lng="pt"><![CDATA[análise fatorial]]></kwd>
<kwd lng="pt"><![CDATA[invariância]]></kwd>
<kwd lng="pt"><![CDATA[confiabilidade]]></kwd>
<kwd lng="pt"><![CDATA[bem-estar financeiro]]></kwd>
<kwd lng="pt"><![CDATA[trabalhadores]]></kwd>
<kwd lng="pt"><![CDATA[Peru]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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