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Desarrollo de un modelo logit para examinar el comportamiento del ahorro en la región centro de México, de acuerdo al perfil de los hogares

Author

Listed:
  • Adriana Helena Cruz León

    (Instituto Politécnico Nacional)

  • José Carlos Trejo García

    (Instituto Politécnico Nacional)

  • Humberto Ríos Bolívar

    (Instituto Politécnico Nacional)

Abstract

Esta investigación tiene como objetivo examinar el comportamiento del ahorro en hogares de la Región Centro de México (SEDATU, 2015) considerando su perfil socioeconómico. Se proponen perfiles del hogar (Cruz, 2017) utilizando árboles de decisión y se calcula la probabilidad de ahorro (ENIGH, 2014) con un modelo logit. En los resultados del modelo, se encontró que las variables son significativas y se determina la probabilidad del nivel de ahorro de los hogares. A diferencia de la LCH (Modigliani, 1963), se recomienda identificar perfiles de ingreso y gasto con una segmentación de la población más allá de grupos de edad del jefe de familia. En determinados grupos de edad se aprecia que los de menor escolaridad tienen una mayor proporción de hogares con posibilidad de ahorrar; este comportamiento se limita a una investigación posterior para estudiar el efecto de otras variables. El encuadre del entorno regional contribuye a analizar con un mayor nivel de especificidad el comportamiento de ahorro, de acuerdo al perfil del hogar. Finalmente, se muestra que, con las variables propuestas, aumenta la probabilidad de ahorro en el hogar.

Suggested Citation

  • Adriana Helena Cruz León & José Carlos Trejo García & Humberto Ríos Bolívar, 2019. "Desarrollo de un modelo logit para examinar el comportamiento del ahorro en la región centro de México, de acuerdo al perfil de los hogares," 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. 14(1), pages 57-77, Enero-Mar.
    • Handle: RePEc:imx:journl:v:14:y:2019:i:1:p:57-77
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    References listed on IDEAS

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    More about this item

    Keywords

    Ahorro; Comportamiento; Decisión; Finanzas Personales;
    All these keywords.

    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • D1 - Microeconomics - - Household Behavior
    • C44 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Operations Research; Statistical Decision Theory
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

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