Innovación financiera y bienestar económico de los comerciantes del mercado mayorista de Huamantanga, Puente Piedra, 2025

Ana María    Holgado-Quispe; Maritte Giovanna    Fierro-Bravo; Carlos Miguel    Franco Del Carpio; Antonio Bartolomé      Medina-Salgado; Hugo   Soto-Pérez

doi:10.47606/ACVEN/PH0569

Authors

Ana María Holgado-Quispe Universidad Nacional Federico Villarreal – Perú https://orcid.org/0000-0002-7510-9188
Maritte Giovanna Fierro-Bravo Universidad Nacional Federico Villarreal – Perú https://orcid.org/0000-0003-0607-154X
Carlos Miguel Franco Del Carpio Universidad Nacional Federico Villarreal – Perú https://orcid.org/0000-0002-5350-9914
Antonio Bartolomé Medina-Salgado Universidad Nacional Federico Villarreal – Perú https://orcid.org/0000-0002-3506-1626
Hugo Soto-Pérez Universidad Nacional Federico Villarreal – Perú https://orcid.org/0000-0003-3779-7749

DOI:

https://doi.org/10.47606/ACVEN/PH0569

Keywords:

economic well-being, financial inclusion, financial innovation,, financial technologies,, merchants.

Abstract

The objective of the study was to determine the relationship between financial innovation and the economic well-being of merchants at the Huamantanga Wholesale Market, located in the district of Puente Piedra, during 2025. The study followed a quantitative approach using the hypothetical-deductive method, with a correlational scope, non-experimental design, and cross-sectional structure. The population consisted of 2,000 merchants, from whom a probabilistic sample of 322 participants was selected through simple random sampling. Data were collected using two structured Likert-type questionnaires designed to measure financial innovation and economic well-being. The instruments showed adequate internal consistency, with Cronbach's alpha coefficients of 0.907 and 0.891, respectively. The Kolmogorov-Smirnov test showed that the data did not follow a normal distribution, with p less than 0.001; therefore, Spearman's rank correlation coefficient was applied. The results showed a positive and statistically significant relationship between financial innovation and economic well-being, with a Spearman's rho of 0.670 and p less than 0.001. Significant relationships were also identified with economic stability, with a rho of 0.626 and p less than 0.001, and with economic growth capacity, with a rho of 0.653 and p less than 0.001. It is concluded that greater adoption of financial technologies, modern financial services, and training processes is associated with better conditions of economic stability, savings, reinvestment, and economic growth among the merchants studied.

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