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Caracterización del ahorro de los hogares en Colombia

Author

Listed:
  • Jorge Tovar M.

Abstract

Este trabajo realiza un exhaustivo ejercicio descriptivo y analítico del ahorro de los hogares en Colombia. Con este fin, se construye la variable ahorro a partir de la Encuesta de Calidad de Vida de 1997 y 2003. El trabajo concluye que en Colombia la capacidad de ahorro se centra, casi exclusivamente, en los hogares con mayores ingresos. A su vez, estos son más afectados por la variabilidad del ingreso, y son los que intentan estabilizar el gasto. El resto de la población, en cambio, apenas sí registra variaciones en el ingreso, y son sus gastos los que presentan una variabilidad significativa. El estudio muestra también que la población que ahorra logra su tope cuando el jefe de hogar supera los cuarenta anos. Este resultado es consistente tanto si se analiza a la población por cohortes como si se analiza la sección cruzada de la misma.

Suggested Citation

  • Jorge Tovar M., 2008. "Caracterización del ahorro de los hogares en Colombia," Coyuntura Social 12852, Fedesarrollo.
  • Handle: RePEc:col:000486:012852
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    File URL: http://hdl.handle.net/11445/967
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    References listed on IDEAS

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    1. Kitamura, Yukinobu & Takayama, Noriyuki & Arita, Fumiko, 2001. "Household savings in Japan revisited," Research in Economics, Elsevier, vol. 55(2), pages 135-153, June.
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    2. Ligia Melo B. & Juana Téllez C. & Héctor Zárate S., 2006. "El ahorro de los hogares en Colombia," Revista ESPE - Ensayos sobre Política Económica, Banco de la Republica de Colombia, vol. 24(52), pages 110-161, December.
    3. Paxson, Christina H, 1992. "Using Weather Variability to Estimate the Response of Savings to Transitory Income in Thailand," American Economic Review, American Economic Association, vol. 82(1), pages 15-33, March.
    4. Mark N. Harris & Joanne Loundes & Elizabeth Webster, 2002. "Determinants of Household Saving in Australia," The Economic Record, The Economic Society of Australia, vol. 78(241), pages 207-223, June.
    5. repec:bla:ecorec:v:78:y:2002:i:241:p:207-23 is not listed on IDEAS
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    Citations

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    Cited by:

    1. Bande, Roberto & Riveiro, Dolores & Ruiz, Freddy, 2021. "Does Uncertainty Affect Saving Decisions of Colombian Households? Evidence on Precautionary Saving," MPRA Paper 106771, University Library of Munich, Germany.
    2. Catalina Granda & Franz Hamann, 2015. "Informality, Saving and Wealth Inequality," Borradores de Economia 873, Banco de la Republica de Colombia.
    3. Guataqui, Juan Carlos & García-Suaza, Andrés Felipe & Rodríguez-Acosta, Mauricio, 2009. "Ahorro para el retiro en Colombia: patrones y determinantes," Documentos de Trabajo 5792, Universidad del Rosario.
    4. Néstor Gandelman, 2017. "Do the rich save more in Latin America?," The Journal of Economic Inequality, Springer;Society for the Study of Economic Inequality, vol. 15(1), pages 75-92, March.
    5. Freddy CASTRO & Daniela LONDOÑO & Álvaro José PARGA CRUZ & Camilo PEÑA GÓMEZ, 2021. "Factores que inciden en la decisión de ahorro de los microempresarios," Archivos de Economía 19338, Departamento Nacional de Planeación.
    6. Montoya Ramírez, Jaime Horacio, 2019. "Determinantes del ahorro interno en Colombia: un acercamiento desde las Cuentas Nacionales Trimestrales para el período 1994-2017," Borradores Departamento de Economía 17521, Universidad de Antioquia, CIE.
    7. Leonardo Villar & David Forero & Carmen Elisa Flórez & Nadia Puerta & Erika Enríquez & Natalia Valencia-López & Juan Pablo Alzate, 2015. "Ahorro e inversión para la vejez," Informes de Investigación 13897, Fedesarrollo.
    8. Jorge Tovar & Miguel Urrutia, 2017. "The Impact of Social Safety Net Programs on Household Savings in Colombia," The Developing Economies, Institute of Developing Economies, vol. 55(1), pages 23-37, March.
    9. Néstor Gandelman, 2017. "Do the rich save more in Latin America?," The Journal of Economic Inequality, Springer;Society for the Study of Economic Inequality, vol. 15(1), pages 75-92, March.

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    More about this item

    Keywords

    Ahorro de los hogares; Hipótesis de ciclo de vida; Consumo;
    All these keywords.

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D19 - Microeconomics - - Household Behavior - - - Other
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

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