Artículo
Permanent URI for this collectionhttps://hdl.handle.net/11285/345284
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- Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking.(Springer, 2025-01-14) Medina-Vidal, Adriana; Alonso Galicia, Patricia Esther; González Mendoza, Miguel; Ramírez Montoya, María SoledadThe objective is to present a proposal for a gender-sensitive risk analysis model using artificial intelligence (AI) within the framework of complex thinking that provides access to opportunities, specifically for vulnerable populations such as women from underprivileged sections. This international non-parametric study highlights the vulnerability of this population in Mexico through a sample of 2787 women. The methodological design included data analysis, the postulation of a proposed model, and a validation method for the credit risk analysis model. There is a correlation between the level of schooling of impoverished and vulnerable women with the possibility of self-employment and selling a product or service. In the framework of complex thinking, the perception of innovative thinking is related to the level of education and innovative decision-making in professional projects. Women with a higher level of schooling tend to think about their professional projects systematically. Promoting complex thinking involves innovative educational practices to encourage critical, systemic, scientific, and innovative thinking in entrepreneurship and sustainable development. Integrating reasoning for complexity benefits women and contributes to economic and social growth in vulnerable regions. In contrast to other models, our credit risk analysis model uses AI and variables for gender, vulnerability, and complex thinking to detect patterns in women’s behaviors and attitudes in the venture start-up process. Our proposal is the starting point of many analyses to develop further about artificial intelligence based on complex thinking.
- Remaigining the future through the co-creation of social entrepreneurship in higher education: a multivariate prediction model approach(Emerald, 2024-12-10) Ramírez Montoya, María Soledad; Casillas Muñoz, Fidel; Tariq, Rashik; Icaza Longoria, Inés Álvarez; Portugués Castro, May; EGADE Bussines SchoolPurpose – This remastered analysis focuses on the impact of entrepreneurial interventions in higher education institutions (HEI), particularly in social entrepreneurship. The study evaluated the effectiveness of such interventions through a pre-and post-test approach, examining various skill sets in students. The primary goal was to analyze the influence of entrepreneurial training programs on students’ competencies in social entrepreneurship by analyzing changes in personal behavior, leadership, innovation, social value and management skills before and after the educational interventions. Design/methodology/approach – The study employed a quasi-experimental design, analyzing pre-and post-test results in three distinct social entrepreneurship training experiences. The sample consisted of 304 participants, providing a comprehensive view of the impact of these interventions. Findings – The main findings were: (1) Educational interventions in social entrepreneurship must emphasize strategies for self-awareness, emotional intelligence and personal development improvement. The analysis revealed significant improvements in these areas, indicating that targeted strategies in these domains are essential for enhancing the effectiveness of social entrepreneurship education. (2) The impact of educational interventions on these capabilities can be effectively evaluated using machine learning methods such as ordinary least squares (OLS) regression. This approach allows for the inclusion of variables such as gender, age or location, providing a comprehensive assessment of the interventions’ impact. (3) The interventions were particularly effective in improving students’ innovation and leadership competencies. The analysis demonstrated substantial enhancements in these areas, underscoring the success of the interventions in developing these critical skills. (4) The study highlighted the need for a more focused approach in future interventions, emphasizing the importance of management, social value and personal skills. Additionally, it pointed out the necessity of developing and utilizing appropriate tools to create and evaluate these interventions effectively. Practical implications – The study provides insights into improving educational interventions in social entrepreneurship to better develop essential skills in students. Originality/value – This research introduces a significant approach to educational interventions for educational communities and decision-makers by demonstrating the effectiveness of entrepreneurial training for competencies in innovation and leadership, which are crucial for societal and economic development.
- Fostering 4.0 digital literacy skills through attributes of openness: a review(Athabasca University, 2024-11-01) Chiappe, Andrés; Díaz Ramírez, Juan Manuel; Ramírez Montoya, María Soledad; https://ror.org/02sqgkj21; https://ror.org/03ayjn504During the last decade, a growing interest in open educational resources (OER) has developed among educational researchers worldwide. This trend involves the examination of possible effects over diverse learning domains such as the development of literacy and digital skills in the context of the fourth industrial revolution. To address this matter, a systematic literature review was conducted using PRISMA processes on 62 research articles published in high-impact peer-reviewed journals indexed in two major academic databases (Scielo and Scopus). Data collected during this literature review showed certain conditions that must be met to ensure a successful learning setup when OER are involved. Moreover, qualitative analysis revealed that certain attributes of openness are often more influential than others in the development of adequate literacy skills for the artificial intelligence era; also, there is an overall positive perception, from students and teachers alike, about the introduction of the attributes of openness and open materials into learning practices.
- Co-designing a financial literacy videogame: A participatory research-based approach in complex scenarios(ESIC 2024, 2024-10-13) Ramírez Montoya, María Soledad; Patiño Zúñiga, Irma Azeneth; Villalba Condori, Klinge Orlando; https://ror.org/03ayjn504This study examines the co-design of a financial literacy videogame as a pedagogical innovation aimed at fostering sustainable economic principles among university students. The co-design process and game development is informed by the needs and preferences of its end-users to ensure the game's educational content is relevant and impactful. This methodology brings together learners, educators, and game developers to co-design a financial literacy video game integrating educational technology and e-learning principles to create an inclusive, engaging learning environment. By simulating real-world financial dilemmas within the game's narrative, players experience firsthand the consequences of their choices, encouraging critical reflection on their personal and collective financial behaviors. Players navigate complex financial scenarios, promoting strategic thinking and responsible decision-making. The effectiveness of the game was assessed using a mixed-methods approach, evaluating financial knowledge, attitudes, and behaviors. Findings indicate participants demonstrated marked improvements in financial knowledge, and decision-making skills. The paper discusses the implications of these results, the potential of gamification in learning complex subjects, and the advantages of participatory design in creating meaningful educational experiences.
- Designing a digital ecosystem for complex thinking: Integrating open educational resources with sustainable development goals(ESIC 2024, 2024-10-13) Ramírez Montoya, María Soledad; Turpo Gebera, Osbaldo; https://ror.org/03ayjn504This paper presents an approach to sustainability education through the design and testing of a digital ecosystem integrating Open Educational Resources (OER) within complex learning environments. By employing OER in the pedagogical strategy, the study aligns with the United Nations' Sustainable Development Goals, aiming to ensure inclusive and equitable quality education. We examine how these resources, coupled with self-regulated learning strategies, prepare learners to address sustainability challenges. The research demonstrates the utility of OER in facilitating accessible innovative teaching and learning methods that can be customized to various educational contexts, supporting curriculum development that embeds sustainable principles. The role of OER in educational technology and e-learning is explored, emphasizing their potential to democratize access to education and enable a participatory approach to learning. The findings indicate that OER facilitate the acquisition of knowledge and skills pertinent to sustainability and empower learners to become proactive, self-directed participants in their educational journey towards sustainability. Finally, the paper offers insights into inclusive education practices that foster sustainability, thereby contributing to a more sustainable future.
- Complex thinking model with sustainable development goals: Analysis with scenario-based learning for future education(EnPress Publisher, 2024-07-29) Rodés Paragarino, Virginia; Ramírez Montoya, María Soledad; Morales Maure, Luisa; Rosales Cisneros, Ricardo; https://ror.org/03ayjn504; https://ror.org/0070j0q91; https://ror.org/05xwcq167In the present and future of education, fostering complex thinking, especially in the context of the Sustainable Development Goals (SDGs), is critical to lifelong learning. This study aimed to analyze learning scenarios within the framework of a model that promotes complex thinking and integrated design analysis, to identify the contributions of linking design models to the SDGs. The research question was: How does the open educational model of complex thinking link to the SDGs and scenario design? The analysis examined a pedagogical approach that introduced 33 participants to the instructional design of real-life or simulated situations to develop complex thinking skills. The categories of analysis were the model components, the SDGs, and scenario designs. The findings considered (a) innovative design capacity linked to SDG challenges, (b) linking theory and practice to foster complex thinking, and (c) the critical supporting tools for scenario design. The study intends to be of value to academic, social, and business communities interested in mobilizing complex thinking to support lifelong learning.
- Complex competencies for leader education: artificial intelligence analysis in student achievement profiling(Taylor @ Francis Online, 2024-07-21) Ramírez Montoya, María Soledad; Morales Menendez, Ruben; Tworek, Michael; Escobar Díaz, Carlos Alberto; Tariq, Rasikh; Tenorio Sepúlveda, Gloria Concepción; https://ror.org/03ayjn504; https://ror.org/03vek6s52Future education requires fostering high-level competencies to enhance student talent, and artificial intelligence (AI) can help in profile analysis. The aim was to determine the variables that predict the GPA of students in the ‘Leaders of Tomorrow’ program through an integrated methodology of data analytics, machine learning modeling, and feature engineering in order to generate knowledge about the application of AI in social impact programs. This research focused on 466 graduates of a ‘Leaders of Tomorrow’. A regression analysis was performed to model the relationship between the dependent variable and multiple independent variables. The findings revealed: (a) Analysis of variance (ANOVA) demonstrated exceptional model fit for predicting ‘student.term_Grade Academic Performance (GPA)_program’ with an R-squared of 0.999; (b) Visual analysis showed that significant variables like age and origin-school Grade-Point Average (GPA) affect term GPA; (c) Kendall tau correlation revealed a positive correlation of origin-school GPA with term GPA and a slightly negative one with age; (d) Support Vector Machine (SVM) regression aligned actual and predicted GPAs closely, indicating high accuracy; and (e) Recursive Feature Elimination (RFE) identified ‘student_originSchool.gpa’ as the most predictive feature. This study is intended to be of value to academic communities interested in enhancing the academic profiles of students with complex competencies, as well as communities interested in applying AI in education for predictions that contribute to trajectories for training.
- Tecnologías abiertas e inclusivas en la complejidad del futuro de la educación: diseño de modelo basado en investigación(Facultad de Ciencias de la Educación, 2024-07-18) Ramírez Montoya, María Soledad; Álvarez Icaza Longoria, Inés; Weber, Joanne; Casillas Muñoz, Fidel Antonio Guadalupe; https://ror.org/03ayjn504Los entornos cambiantes plantean retos para la formación y, de manera muy especial, para la inclusión educativa de personas con dificultades auditivas y visuales. ¿De qué forma la educación abierta y las tecnologías digitales y flexibles pueden aportar vías para inclusión en el marco de la complejidad? El objetivo del estudio fue analizar posibilidades de educación abierta y tecnologías, por medio de identificar prácticas actuales, retos y posibilidades, con miras a proponer un modelo inclusivo y abierto en el marco de la complejidad para el futuro de la educación. El método fue diseño basado en investigación, donde se aplicaron cuestionarios a 390 participantes en el contexto de un programa de educación abierta e inclusiva. El análisis de datos dan cuenta de (a) prácticas actuales como libros electrónicos, cursos formativos y lenguaje de señas; (b) identificación de los retos de recursos educativos abiertos (REA) de calidad, políticas de apoyo a la inclusión y diversidad, y modelos de sostenibilidad de los REA, para desarrollar materiales digitales accesibles y abiertos, y (c) los componentes de un modelo educativo abierto para la inclusión que contempla elementos estratégicos para el futuro de la educación y tecnologías emergentes e innovadoras. El estudio pretende ser de valor para profesores, formadores, desarrolladores, tomadores de decisiones, interesados en nuevas posibilidades para la educación abierta e inclusiva.
- Financial literacy to develop complex thinking skills: quantitative measurement in mexican women entrepreneurs(Frontiers, 2024-07-03) Bayly Castañeda, Karla Patricia; Ramírez Montoya, María Soledad; Erdély Ruiz, Arturo; Montoya Bayardo, Miguel Angel; https://ror.org/03ayjn504; https://ror.org/01tmp8f25; Kristiawan, MuhammadThe objective of the study was to validate the construction of a financial literacy measurement instrument aligned with complex thinking competencies in Mexican women entrepreneurs. By means of the construct validation method, the content was validated by expert judgment, validation by exploratory and confirmatory factor analysis, as well as internal consistency by means of a pilot test applied to a sample of 189 participants. A highly valid and reliable version was obtained, organized in four dimensions with a total of 23 items. This study examines and estimates the determinants of financial literacy for the first time under the light of complex reasoning.
- eComplexity: psychometric properties to test the validity and reliability of the instrument(ERIC, 2024-07) Castillo Martínez, Isolda Margarita; Velarde Camaqui, Davis; Ramírez Montoya, María Soledad; Sanabria Zepeda, Jorge Carlos; https://ror.org/03ayjn504Reasoning for complexity is a fundamental competency in these complex times for solutions to social problems and decision-making. The purpose of this paper is to demonstrate the validity and reliability of the eComplexity instrument by presenting its psychometric properties. The instrument consists of a Likert-type scale questionnaire designed to measure college students' perceptions of their mastery levels of complex reasoning competency as well as the subcompetencies that comprise it. The instrument was applied to higher education students in different countries of Latin America and Spain. The questionnaire articulates four types of thinking: systemic, scientific, critical and innovative and consists of 25 items. The methodology used was instrumental and psychometric, which seeks to demonstrate the validity and reliability of the eComplexity questionnaire. The results obtained from the research were as follows: The exploratory factor analysis indicated a Kaiser-Meyer-Olkin index (KMO) > .80, a significance of p< .05 and a Cronbach's Alpha value of 0.93. Likewise, a Confirmatory Factor Analysis was carried out and was possible to corroborate the internal structure validity of the instrument. In addition to Cronbach's Alpha coefficient, McDonald's Omega, and Guttman's Lambda coefficients were calculated to calculate reliability. With the results obtained it was possible to conclude that the instrument is valid and reliable, can be used in various university contexts to support integrated training necessary to address current challenges and contribute to educational research. It is recommended for future studies that the research can be expanded by using an instrument that can move from perceptual terms to measuring levels of complex reasoning mastery, but it is valuable to contrast with the students' perception to have a broader vision.
