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Impacto de la informalidad laboral sobre el acceso a crédito formal

Author

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  • Francisco Fernández López

Abstract

En este trabajo se estudia la relación entre las decisiones de los hogares sobre informalidad laboral y la formalidad crediticia. Para evaluar si existe un vínculo entre éstas, se estima el impacto de la informalidad laboral sobre la probabilidad de tener un crédito formal, utilizando como variable instrumental la reforma a los impuestos a la nómina de 2012. El modelo se estima usando la Encuesta Longitudinal Colombiana de la Universidad de los Andes. Los resultados indican que un trabajador informal tiene una probabilidad 10 puntos porcentuales menor de tener un crédito formal respecto a un trabajador formal. Las decisiones sobre formalidad laboral y crediticia pueden estar interconectadas por diversos canales, entre ellos, las preferencias de los hogares por la formalidad o la aversión a reportar ingresos para evitar a las autoridades tributarias.

Suggested Citation

  • 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.
    • Handle: RePEc:col:000438:016615
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    More about this item

    Keywords

    Informalidad Laboral; Crédito Informal; ELCA;
    All these keywords.

    JEL classification:

    • J49 - Labor and Demographic Economics - - Particular Labor Markets - - - Other
    • J70 - Labor and Demographic Economics - - Labor Discrimination - - - General
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • J78 - Labor and Demographic Economics - - Labor Discrimination - - - Public Policy (including comparable worth)

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