IDEAS home Printed from https://ideas.repec.org/a/ipn/panora/vviiiy2013i16p51-76.html
   My bibliography  Save this article

Crédito al consumo en Argentina durante periodos normales y de crisis económicas

Author

Listed:
  • Vega-Lacorte, Juliana E.

    (Universidad Popular Autónoma del Estado Puebla)

  • Watkins-Fassler, Karen.

    (Universidad Popular Autónoma del Estado Puebla)

Abstract

Esta investigación indaga sobre la relación entre factores macroeconómicos y la decisión de las familias para financiar su consumo con deuda. Particularmente, se estudia la correspondencia entre el ingreso, la tasa de interés, el desempleo y la confianza de los consumidores con el endeudamiento de las familias. Se verifica también si las relaciones entre las variables macroeconómicas (particularmente el ingreso) y la deuda para consumo son coherentes con las teorías que se han escrito sobre el consumo. Como estudio de caso se toma Argentina, pues permite el análisis bajo distintos escenarios normales y de crisis económicas (1994-2011)./ This paper deals with the relationship between macroeconomic factors and consumption debt. Specifically, it studies the association between income, interest rate, unemployment, and consumer confidence with consumption debt. The relationship between macroeconomic variables (in particular income) and consumption debt is verified according to diverse consumption theories. Argentina is taken as case study, as it allows performing the analysis under diverse scenarios of normal and crisis episodes (1994-2011).

Suggested Citation

  • Vega-Lacorte, Juliana E. & Watkins-Fassler, Karen., 2013. "Crédito al consumo en Argentina durante periodos normales y de crisis económicas," Panorama Económico, Escuela Superior de Economía, Instituto Politécnico Nacional, vol. 0(16), pages 51-76, primer se.
    • Handle: RePEc:ipn:panora:v:viii:y:2013:i:16:p:51-76
    as

    Download full text from publisher

    File URL: http://yuss.me/revistas/panorama/pano2013v08n16a03p051_076.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Sebastian Barnes & Garry Young, 2003. "The rise in US household debt: assessing its causes and sustainability," Bank of England working papers 206, Bank of England.
    2. Baoline Chen, 2007. "An Empirical Comparison of Methods for Temporal Distribution and Interpolation at the National Accounts," BEA Papers 0077, Bureau of Economic Analysis.
    3. Ke Chen & Miss Mali Chivakul, 2008. "What Drives Household Borrowing and Credit Constraints? Evidence from Bosnia and Herzegovina," IMF Working Papers 2008/202, International Monetary Fund.
    4. Carl A. Dauten, 1954. "A Fresh Approach To The Place Of Consumer Credit In Economic And Financial Thinking," Journal of Finance, American Finance Association, vol. 9(2), pages 111-123, May.
    5. K Alec Chrystal & Paul Mizen, 2001. "Consumption, money and lending: a joint model for the UK household sector," Bank of England working papers 134, Bank of England.
    6. Angus Deaton, 2005. "Franco Modigliani and the life-cycle theory of consumption," BNL Quarterly Review, Banca Nazionale del Lavoro, vol. 58(233-234), pages 91-107.
    7. J. C. G. Boot & W. Feibes & J. H. C. Lisman, 1967. "Further Methods of Derivation of Quarterly Figures from Annual Data," Journal of the Royal Statistical Society Series C, Royal Statistical Society, vol. 16(1), pages 65-75, March.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Maximiliano Gomez Aguirre & Ariel Krysa, 2022. "Consumer Loans Dynamics in 2020 in Argentina: An Approach Using Error Correction Models," BCRA Working Paper Series 202298, Central Bank of Argentina, Economic Research Department.
    2. Mateusz Pipień & Sylwia Roszkowska, 2015. "Szacunki kwartalnego PKB w polskich województwach," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 5, pages 145-169.
    3. Maximiliano Gómez Aguirre & Ariel David Krysa, 2023. "Consumer Loans Dynamics in 2020 in Argentina: An Approach Using Error Correction Models," Ensayos Económicos, Central Bank of Argentina, Economic Research Department, vol. 1(81), pages 111-158, May.
    4. Ricci L. Reber & Sarah J. Pack, 2014. "Methods of Temporal Disaggregation for Estimating Output of the Insurance Industry," BEA Working Papers 0115, Bureau of Economic Analysis.
    5. Chiara Perricone, 2018. "Wavelet analysis for temporal disaggregation," CEIS Research Paper 444, Tor Vergata University, CEIS, revised 29 Oct 2018.
    6. Rossana, Robert J., 1988. "Interrelated Demands for Buffer Stocks and Productive Inputs: Estimates for Two-Digit Manufacturing Industries," Department of Economics and Business - Archive 259428, North Carolina State University, Department of Economics.
    7. Silvia Magri & Valentina Michelangeli & Sabrina Pastorelli & Raffaella Pico, 2019. "The expansion of consumer credit in Italy and in the Euro Area: what are the drivers and the risks?," Questioni di Economia e Finanza (Occasional Papers) 500, Bank of Italy, Economic Research and International Relations Area.
    8. Ard H.J. den Reijer, 2005. "Forecasting Dutch GDP using Large Scale Factor Models," DNB Working Papers 028, Netherlands Central Bank, Research Department.
    9. Magdalena Osinska & Kinga Wasilewska, 2020. "Students’ Attitudes Towards Savings and Investment: The Case of Poland," European Research Studies Journal, European Research Studies Journal, vol. 0(Special 2), pages 1068-1085.
    10. Paulo Soares Esteves & Gabriela Lopes de Castro, 2004. "Quarterly Series for the Portuguese Economy: 1977-2003," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
    11. Hsiang-Ke Chao, 2007. "A structure of the consumption function," Journal of Economic Methodology, Taylor & Francis Journals, vol. 14(2), pages 227-248.
    12. repec:hal:spmain:info:hdl:2441/5srl83htc08lnqmtptsrb72rt9 is not listed on IDEAS
    13. Ha, Nguyen Thi Thu & Hoa, Lam Ba, 2018. "On the Causality Relationship between Demographic Changes, Economic Growth and Domestic Savings in Vietnam," Jurnal Ekonomi Malaysia, Faculty of Economics and Business, Universiti Kebangsaan Malaysia, vol. 52(2), pages 27-38.
    14. Ursel Baumann, 2014. "Has US Household Deleveraging Ended? A Model-Based Estimate of Equilibrium Debt," Working Papers w201404, Banco de Portugal, Economics and Research Department.
    15. Karen Poghosyan & Ruben Poghosyan, 2021. "On the Applicability of Dynamic Factor Models for Forecasting Real GDP Growth in Armenia," Czech Journal of Economics and Finance (Finance a uver), Charles University Prague, Faculty of Social Sciences, vol. 71(1), pages 52-79, June.
    16. Klaus Abberger & Michael Graff & Oliver Müller & Jan-Egbert Sturm, 2022. "Composite global indicators from survey data: the Global Economic Barometers," Review of World Economics (Weltwirtschaftliches Archiv), Springer;Institut für Weltwirtschaft (Kiel Institute for the World Economy), vol. 158(3), pages 917-945, August.
    17. Horioka, Charles Yuji, 2020. "Does the Selfish Life-Cycle Model Apply in the Case of Japan?," AGI Working Paper Series 2020-04, Asian Growth Research Institute.
    18. Jacobs, Jan & Sterken, Elmer, 1995. "The IBS-CCSO quarterly model of the Netherlands Specification, simulation and analysis," Economic Modelling, Elsevier, vol. 12(2), pages 111-163, April.
    19. Juan Luo & Bao-zhen Li, 2022. "Impact of Digital Financial Inclusion on Consumption Inequality in China," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 163(2), pages 529-553, September.
    20. Meng, Xianming & Hoang, Nam T. & Siriwardana, Mahinda, 2013. "The determinants of Australian household debt: A macro level study," Journal of Asian Economics, Elsevier, vol. 29(C), pages 80-90.
    21. Ryan, Mary & O’Donoghue, Cathal & Hynes, Stephen, 2018. "Heterogeneous economic and behavioural drivers of the Farm afforestation decision," Journal of Forest Economics, Elsevier, vol. 33(C), pages 63-74.

    More about this item

    Keywords

    crédito al consumo; crisis económicas; Argentina./ consumption debt; economic crises; Argentina.;
    All these keywords.

    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ipn:panora:v:viii:y:2013:i:16:p:51-76. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Juan Marroquín-Arreola (email available below). General contact details of provider: https://edirc.repec.org/data/eeipnmx.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.