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Incentivando la Cotizacion Voluntaria de los Trabajadores Independientes. Una Aproximacion a Partir del Caso de Chile

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  • Eduardo Fuentes
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    Abstract

    El presente estudio tiene como objetivo plantear estadisticamente la probabilidad de que los trabajadores que no se encuentran cotizando a los sistemas de pensiones, tengan los incentivos para hacerlo. Para ello, se tomo a Chile como caso de estudio, contando primero con una revision de los esquemas de ahorros voluntarios y comparandolos con esquemas similares en la Region. Tomando en cuenta esto, se hace un analisis de las encuestas, particularmente la de Proteccion Social, a fin de observar la aproximacion a los sistemas por parte del grupo de trabajadores no cotizantes, considerando sus diferentes perfiles socioeconomicos y a partir de estos determinando bajo que condiciones podrian tener incentivos para ahorrar. Para esto, se establece un modelo probit de eleccion binaria, que nos permita obtener las probabilidades de ahorrar de las diferentes cohortes. Con los resultados, se puede concluir que los trabajadores tendrian mayores incentivos a ahorrar si ello les permitiera obtener acceder a educacion (en un sentido amplio), servicios de salud y vivienda. Por tanto, estos resultados deberian plantear como reto para los principales actores de la industria (Gobiernos y companías de pensiones) explorar el diseno de nuevos productos pensionarios asociados con los beneficios sobre los que los trabajadores tienen preferencia, y a partir de ello ampliar la cobertura de los sistemas de pensiones.

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    Bibliographic Info

    Paper provided by BBVA Bank, Economic Research Department in its series Working Papers with number 1011.

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    Length: 62 pages
    Date of creation: May 2010
    Date of revision:
    Handle: RePEc:bbv:wpaper:1011

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