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Efectos del endeudamiento de los hogares mexicanos en su ahorro y consumo: Un enfoque de Ciencia de datos

Author

Listed:
  • Guillermo Cerda-Guillén

    (Instituto Politécnico Nacional, México)

  • Salvador Cruz-Aké

    (Instituto Politécnico Nacional, México)

  • María Teresa Verónica Martínez-Palacios

    (Instituto Politécnico Nacional, México)

Abstract

El objetivo de esta investigación es agrupar muestras de hogares endeudados mexicanos que compartan atributos socioeconómicos similares mediante el algoritmo k-medias de manera que se estimen modelos no lineales para medir los efectos de la deuda de cada grupo en su ahorro y consumo. El algoritmo se implementó sobre hogares endeudados incluidos en la ENIGH 2018. Como resultado se conformaron cuatro clústeres donde uno sobresalió al conformar el 3.4% de la muestra, sin embargo, su tasa de endeudamiento promedio excede en 53 puntos porcentuales a la tasa de endeudamiento promedio del resto de los clústeres. Se recomienda el uso de técnicas de agrupación modernas para aprovechar la abundancia de datos oficiales y para elaborar políticas económicas, basadas en datos, dirigidas a grupos particulares de la población. La originalidad de esta investigación se basa en el uso de un algoritmo no supervisado para la elección de la muestra estudiada. Como conclusión los hogares con mayores niveles de sobreendeudamiento se conforman por aquellos donde el jefe cuenta con estudios superiores, indistintamente del decil de ingreso al que pertenezca el hogar.

Suggested Citation

  • Guillermo Cerda-Guillén & Salvador Cruz-Aké & María Teresa Verónica Martínez-Palacios, 2023. "Efectos del endeudamiento de los hogares mexicanos en su ahorro y consumo: Un enfoque de Ciencia de datos," 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. 18(2), pages 1-22, Abril - J.
    • Handle: RePEc:imx:journl:v:18:y:2023:i:2:p:6
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    References listed on IDEAS

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    More about this item

    Keywords

    endeudamiento; ahorro; consumo; k-medias;
    All these keywords.

    JEL classification:

    • C14 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Semiparametric and Nonparametric Methods: General
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D15 - Microeconomics - - Household Behavior - - - Intertemporal Household Choice; Life Cycle Models and Saving
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

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