Diagnosis to determine the degree of indebtedness of households in Ciudad Obregón, Sonora

This research addresses a diagnosis of the degree of indebtedness of families settled in Ciudad Obregón, Sonora, in order to compare the level obtained regarding the management of their economic resources and visualize the effect caused according to the degree in which they are. This study was developed under the quantitative approach, with a descriptive scope. The design is field, non-experimental, cross-sectional. With the data obtained from the applied instrument, the debt-to-income ratio (DTI) of the households was calculated, resulting in a ratio of 0.15, which, according to the reference parameter, indicates that households in Cd. Obregón have a healthy DTI. Therefore, it can be concluded that families efficiently manage their resources and do not take the financial risk that a debt incurs, but neither do they take the benefit of assuming a debt responsibly.