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Factores que afectan la tenencia de productos financieros en Colombia

In: Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe

Author

Listed:
  • Daisy Johana Pacheco

    (Banco de la República de Colombia)

  • Ana María Yaruro

    (Banco de la República de Colombia)

Abstract

En este trabajo se indaga sobre las variables que determinan por qué las personas, pese a conocer de la existencia de los productos financieros, deciden no utilizarlos. Con base en los resultados para Colombia de la Encuesta de Medición de Capacidades Financieras en los Países Andinos de la CAF-Banco de Desarrollo de América Latina, se estima la dependencia entre la condición de conocimiento financiero y tenencia de productos financieros de la población, con las variables relacionadas con las características sociodemográficas del encuestado y las aptitudes financieras de los hogares, entre otras; además, se busca medir el grado o la fuerza de asociación entre las mismas. La metodología propuesta es la de tablas de contingencia de dos factores, complementada con modelos de regresión log-lineal, siguiendo lo propuesto por Agresti (2007). Los resultados indican que no poseer un producto financiero, a pesar de conocer su existencia, está relacionado con educación e ingresos bajos y con la carencia de un presupuesto, entre otros.

Suggested Citation

  • Daisy Johana Pacheco & Ana María Yaruro, 2018. "Factores que afectan la tenencia de productos financieros en Colombia," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 6, pages 167-202, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    • Handle: RePEc:cml:incocp:7sp-06
    Note: Programa de Investigación Conjunta de la Red de Investigadores de Bancos Centrales
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    References listed on IDEAS

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    Cited by:

    1. Daisy J. Pacheco-Bernal & Santiago D. Segovia-Baquero & Ana M. Yaruro-Jaime, 2017. "Vulnerabilidades financieras de los hogares en Colombia," Borradores de Economia 1026, Banco de la Republica de Colombia.
    2. Carlos A. Arango-Arango & Héctor M. Zárate-Solano & Nicolás F. Suárez-Ariza, 2017. "Determinantes del Acceso, Uso y Aceptación de Pagos Electrónicos en Colombia," Borradores de Economia 999, Banco de la Republica de Colombia.

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    More about this item

    Keywords

    inclusión financiera; estabilidad financiera; conocimiento financiero y tenencia de productos financieros.;
    All these keywords.

    JEL classification:

    • D10 - Microeconomics - - Household Behavior - - - General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • O10 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - General

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