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Determinantes Del Acceso Al Crédito De Los Hogares

Author

Listed:
  • Andrés Murcia Pabón

Abstract

Este documento busca identificar los determinantes de acceso al crédito de los hogarescolombianos y encuentra que características tales como el ingreso, la riqueza, la posicióngeográfica, el acceso a la seguridad social, el nivel de educación y la edad afectan laprobabilidad de ser usuario de los servicios financieros acá analizados (tarjeta de crédito ycrédito hipotecario). Adicionalmente se encontró que una porción importante de poblacióncuenta con unas condiciones financieras favorables (representados en unas altas tasas deahorro) y no cuentan con acceso a servicios financieros, lo cual sugiere que podría haberposibilidades de expandir la oferta de crédito a ciertos segmentos.

Suggested Citation

  • Andrés Murcia Pabón, 2007. "Determinantes Del Acceso Al Crédito De Los Hogares," Borradores de Economia 4017, Banco de la Republica.
    • Handle: RePEc:col:000094:004017
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    File URL: http://www.banrep.gov.co/sites/default/files/publicaciones/pdfs/borra449.pdf
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    Citations

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    Cited by:

    1. Olaya, Yris & Vásquez, Felipe & Müller, Daniel B., 2017. "Dwelling stock dynamics for addressing housing deficit," Resources, Conservation & Recycling, Elsevier, vol. 123(C), pages 187-199.
    2. Francisco Fernández López, 2017. "Impacto de la informalidad laboral sobre el acceso a crédito formal," Coyuntura Económica, Fedesarrollo, vol. 47(1 y 2), pages 169-204, December.
    3. Augusta Alfageme & Nelson R. Ramírez Rondán, 2018. "Household Access to Financial Services in Peru," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 8, pages 245-277, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    4. Arango, Luis E. & Cardona-Sosa, Lina & Pedraza-Jiménez, Nataly, 2021. "The use of credit cards among low- and middle-income individuals in Colombia and the channels of monetary policy," Economic Modelling, Elsevier, vol. 94(C), pages 150-169.
    5. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2018. "Crédito formal e informal de los hogares 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 5, pages 133-166, Centro de Estudios Monetarios Latinoamericanos, CEMLA.

    More about this item

    Keywords

    Hogares; Bancarización; Acceso al crédito.;
    All these keywords.

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • C43 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Index Numbers and Aggregation
    • D19 - Microeconomics - - Household Behavior - - - Other
    • D59 - Microeconomics - - General Equilibrium and Disequilibrium - - - Other

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