Intuitive and Counterintuitive Mechanisms for Dosing, Controlling, and Renegotiating Leverage (2023-2025)
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| Autores: | , , |
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| Format: | artículo original |
| Status: | Versión publicada |
| Fecha de Publicación: | 2025 |
| Beskrivelse: | The objective of this study is to determine the effectiveness of applying a package of adapted counterintuitive measures (PAQ-MC) to sustainably reduce over-indebtedness among economic agents in Costa Rica during the 2023–2025 period. The research adopts a quantitative approach and a longitudinal experimental design, with control and experimental groups of 51 participants each. The intervention aims to prevent consumers from exceeding the critical debt threshold (50%–60%) through a combination of methods. To statistically validate the results, the paired-sample Student’s t-test was used to compare debt levels before and after the intervention. This tool adds rigor and strengthens the validity of the findings. Results show a p-value of 0.0012, below the 5% significance level, allowing rejection of the null hypothesis (H₀) and acceptance of the alternative hypothesis (H₁) with a 95% confidence level. The mean increased from 2.725 to 3.118, with a difference of +0.392, attributed to the treatment. It is concluded that this difference is not due to chance, but to the PAQ-MC intervention. This study represents an innovative proposal, with no documented precedents in Costa Rica evaluating the experimental impact of counterintuitive measures on consumer financial behavior. In a context of growing indebtedness, this research is expected to serve as a guiding light for those facing the darkness of debt. Due to budget constraints, two balanced random groups were used. |
| País: | Portal de Revistas UNED |
| Institution: | Universidad Estatal a Distancia |
| Repositorio: | Portal de Revistas UNED |
| Sprog: | Español |
| OAI Identifier: | oai:revistas.investiga.uned.ac.cr:article/6385 |
| Online adgang: | https://revistas.uned.ac.cr/index.php/rna/article/view/6385 |
| Palabra clave: | Sobreendeudamiento Pasivos Insolvencia Iliquidez Intuitivo Contraintuitivo Over-Indebtedness liabilities insolvency illiquidity intuitive counterintuitive |