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El Mercado de Préstamos Prendarios en México: Quién lo usa, cuánto cuesta y qué tanta competencia hay

Author

Listed:
  • Pablo Cotler

    (Universidad Iberoamericana)

  • Rodrigo Carrillo

    (Universidad Iberoamericana)

Abstract

El objetivo del trabajo consiste en caracterizar el mercado de préstamos prendarios en México. Con base en una encuesta a las dieciocho instituciones más importantes del país y de datos provenientes de fuentes oficiales, se calcula el costo relativo de estos préstamos y se hacen estimaciones probabilisticas de los usuarios. Asimismo, se analiza el patrón de localización de los establecimientos que ofrecen dichos préstamos y el nivel de competencia existente. Nuestros resultados sugieren que es erróneo pensar que este producto es reflejo de la exclusión financiera. Se observa además que las tasas de interés de los préstamos prendarios son próximos al del crédito bancario relevante. Con base en un analisis radial se muestra que hay mucha competencia en este mercado pero hay espacio para una expansión. Una limitación del trabajo es que la base de datos es un corte transversal y su originalidad es la construcción de una base de datos y en ser la primera caracterización de este mercado. La relevancia de estos préstamos y el mostrar que se tiene una percepción errónea son una de las principales conclusiones del trabajo.

Suggested Citation

  • Pablo Cotler & Rodrigo Carrillo, 2018. "El Mercado de Préstamos Prendarios en México: Quién lo usa, cuánto cuesta y qué tanta competencia hay," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 13(2), pages 247-272, Abril-Jun.
    • Handle: RePEc:imx:journl:v:13:y:2018:i:2:p:247-272
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    References listed on IDEAS

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    More about this item

    Keywords

    Empeño; México;

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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