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La Oferta De Servicios Del Sector Financiero Formal En Bogotá

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  • Carlos Medina
  • Jairo Núñez

Abstract

Con base en la información utilizada para Bogotá a nivel de sector censal sobre el número de oficinas bancarias en cada uno de ellos, y después de controlar por diversas variables, se encuentra evidencia de que las entidades bancarias están sub-representadas en las áreas de la ciudad donde habitan los hogares de más bajos ingresos. En el caso de las entidades financieras cooperativas (EFC), una vez se controla por las variables mencionadas, no se puede rechazar la hipótesis de que sus sucursales se encuentran aleatoriamente distribuidas en relación a los ingresos de los hogares. Adicionalmente se encuentra que el número de sucursales bancarias por sector censal es creciente con la seguridad del sector, la infraestructura en salud y la presencia de centros religiosos y culturales, el porcentaje del sector ocupado por comercio o residencias. Por otro lado, es decreciente en el porcentaje del sector ocupado por la industria en el sector, la densidad de la población, y la tasa de desempleo. El estudio hace énfasis en el efecto multiplicador que tienen factores como la seguridad y la provisión de actividades y servicios básicos como la recreación y la salud. Estos resultados permiten priorizar acciones tendientes a incrementar los niveles de bancarización de los pobres en las principales ciudades Colombianas, y en ciudades similares de otros países de Latinoamérica y el Caribe.

Suggested Citation

  • Carlos Medina & Jairo Núñez, 2006. "La Oferta De Servicios Del Sector Financiero Formal En Bogotá," Documentos CEDE 3043, Universidad de los Andes, Facultad de Economía, CEDE.
    • Handle: RePEc:col:000089:003043
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    References listed on IDEAS

    as
    1. John P. Caskey, 1992. "Bank representation in low-income and minority urban communities," Research Working Paper 92-10, Federal Reserve Bank of Kansas City.
    2. Gourieroux,Christian, 2000. "Econometrics of Qualitative Dependent Variables," Cambridge Books, Cambridge University Press, number 9780521589857, January.
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    Cited by:

    1. Alejandro Gaviria & Carlos Medina & Leonardo Morales & Jairo Núñez, 2010. "The Cost of Avoiding Crime: The Case of Bogotá," NBER Chapters, in: The Economics of Crime: Lessons For and From Latin America, pages 101-132, National Bureau of Economic Research, Inc.
    2. Andrés Murcia Pabón, 2007. "Determinantes del acceso al crédito de los hogares colombianos," Revista ESPE - Ensayos Sobre Política Económica, Banco de la República, vol. 25(55), pages 40-83, December.
    3. Fernando Gaviria, 2017. "A new index of banking coverage created from georeferenced data, with an application for Argentina," Revista Ecos de Economía, Universidad EAFIT, vol. 21(45), pages 25-40, December.
    4. Fernando GARCIA & Alejandro D. JACOBO, 2019. "Factores De Influencia En La Localización Regional De La Infraestructura Bancaria Argentina: El Caso De La Provincia De Córdoba," Regional and Sectoral Economic Studies, Euro-American Association of Economic Development, vol. 19(1), pages 89-114.

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    More about this item

    Keywords

    Provisión de servicios financieros; bancos; pobreza;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • I30 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General
    • I39 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Other

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