Cluster Profiling of Financial Knowledge and Habits among University Students in Guayaquil . Espíritu Emprendedor TES, [S. l.], v. 9, n. 4, p. 72–90, 2025. DOI: 10.33970/eetes.v9.n4.2025.455. Disponível em: https://espirituemprendedortes.com/index.php/revista/article/view/455. Acesso em: 11 nov. 2026.