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Mercado del crédito informal en Colombia: una aproximación empírica

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  • Edwin Arbey Hernández García
  • Andrés Felipe Oviedo Gómez

Abstract

El objetivo de este trabajo es analizar la demanda de créditos informales en Colombia, que permita una mayor inclusión financiera para los hogares e individuos colombianos. Por lo cual, utilizando modelos de regresión binomial y multinomial e información de la Encuesta Longitudinal Colombiana de la Universidad de los Andes (ELCA), se encontró que los atributos como montos, periodicidad de pagos y plazo juegan un papel fundamental, de manera que entre menores sean dichas características, mayor es la probabilidad de acceder al crédito informal. Por otra parte los activos como respaldo de una deuda informal, no juegan un papel significativo, ya que la confianza es fundamental en la relación del prestamista y del prestatario.

Suggested Citation

  • Edwin Arbey Hernández García & Andrés Felipe Oviedo Gómez, 2016. "Mercado del crédito informal en Colombia: una aproximación empírica," Ensayos de Economía 15539, Universidad Nacional de Colombia Sede Medellín.
    • Handle: RePEc:col:000418:015539
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    File URL: http://www.revistas.unal.edu.co/index.php/ede/article/view/63820
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    References listed on IDEAS

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    1. Madestam, Andreas, 2014. "Informal finance: A theory of moneylenders," Journal of Development Economics, Elsevier, vol. 107(C), pages 157-174.
    2. Alvarado, Javier & Portocarrero M., Felipe & Trivelli, Carolina & Gonzales de Olarte, Efraín & Galarza, Francisco & Venero, Hildegardi, 2001. "El financiamiento informal en el Perú: lecciones desde tres sectores [Informal Finance in Peru: Lessons from Three Sectors]," MPRA Paper 47681, University Library of Munich, Germany.
    3. Hausman, Jerry & McFadden, Daniel, 1984. "Specification Tests for the Multinomial Logit Model," Econometrica, Econometric Society, vol. 52(5), pages 1219-1240, September.
    4. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2016. "Determinantes del acceso al crédito formal e informal: Evidencia de los hogares de ingresos medios y bajos en Colombia," Borradores de Economia 956, Banco de la Republica de Colombia.
    5. Yuan, Yan & Xu, Lihe, 2015. "Are poor able to access the informal credit market? Evidence from rural households in China," China Economic Review, Elsevier, vol. 33(C), pages 232-246.
    6. Khoi, Phan Dinh & Gan, Christopher & Nartea, Gilbert V. & Cohen, David A., 2013. "Formal and informal rural credit in the Mekong River Delta of Vietnam: Interaction and accessibility," Journal of Asian Economics, Elsevier, vol. 26(C), pages 1-13.
    7. Heckman, James, 2013. "Sample selection bias as a specification error," Applied Econometrics, Russian Presidential Academy of National Economy and Public Administration (RANEPA), vol. 31(3), pages 129-137.
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    Cited by:

    1. Burgos Flórez, Marco Antonio & Portillo Riascos, Luis Hernando & Ortiz Benavides, Edinson, 2024. "Determinantes de la demanda de microcrédito formal e informal en las principales plazas de mercado de la ciudad de Pasto, año 2021," Revista Tendencias, Universidad de Narino, vol. 25(1), pages 79-108, January.
    2. Lenin Alonso Munoz Giraldo, 2021. "El sistema de crédito digital para microempresarios en Colombia," Revista CIFE, Universidad Santo Tomás, vol. 23(37), January.

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    More about this item

    Keywords

    Crédito informal; Logit binomial y multinomial; inclusión financiera;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • E26 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Informal Economy; Underground Economy
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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