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Determinantes Del Acceso Al Crédito De Los Hogares Colombianos

  • ANDRÉS MURCIA PABÓN

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En este documento se busca identifi car los determi-nantes de acceso al crédito de los hogares colombia-nos; así, se encuentra que características tales como el ingreso, la riqueza, la posición geográfi ca, el ac-ceso a la seguridad social, el nivel de educación y la edad infl uyen sobre la probabilidad de ser usuario de los servicios fi nancieros acá analizados (tarjeta de crédito y crédito hipotecario). Adicionalmente, se encontró que una porción importante de población cuenta con unas condiciones fi nancieras favorables (representados en unas altas tasas de ahorro) y no cuentan con acceso a servicios fi nancieros, lo cual sugiere que podría haber posibilidades de expandir la oferta de crédito a ciertos segmentos.

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Article provided by BANCO DE LA REPÚBLICA - ESPE in its journal ENSAYOS SOBRE POLÍTICA ECONÓMICA.

Volume (Year): (2007)
Issue (Month): ()
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Handle: RePEc:col:000107:004646
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  1. Ligia Melo & Héctor Zárate & Juana Tellez, 2006. "El ahorro de los hogares en Colombia," BORRADORES DE ECONOMIA 002454, BANCO DE LA REPÚBLICA.
  2. Villar Gómez Leonardo & David M. Salamanca Rojas & Andrés Murcia Pabón, 2005. "Crédito, represión financiera y flujos de capitales en Colombia: 1974-2003," REVISTA DESARROLLO Y SOCIEDAD, UNIVERSIDAD DE LOS ANDES-CEDE.
  3. de la Torre, Augusto & Gozzi, Juan Carlos & Schmukler, Sergio L., 2007. "Innovative experiences in access to finance : market friendly roles for the visible hand ?," Policy Research Working Paper Series 4326, The World Bank.
  4. Carlos Medina & Jairo Núñez, 2006. "La Oferta De Servicios Del Sector Financiero Formal En Bogotá," DOCUMENTOS CEDE 003043, UNIVERSIDAD DE LOS ANDES-CEDE.
  5. Diagne, Aliou & Zeller, Manfred & Sharma, Manohar, 2000. "Empirical measurements of households' access to credit and credit constraints in developing countries," FCND briefs 90, International Food Policy Research Institute (IFPRI).
  6. Jorge Baca-Campodónico & Luiz de Mello & Andrei Kirilenko, 2006. "The Rates and Revenue of Bank Transaction Taxes," OECD Economics Department Working Papers 494, OECD Publishing.
  7. Zeller, Manfred, 1994. "Determinants of credit rationing," FCND discussion papers 2, International Food Policy Research Institute (IFPRI).
  8. Beck, Thorsten & de la Torre, Augusto, 2006. "The basic analytics of access to financial services," Policy Research Working Paper Series 4026, The World Bank.
  9. Stijn Claessens, 2006. "Access to Financial Services: A Review of the Issues and Public Policy Objectives," World Bank Research Observer, World Bank Group, vol. 21(2), pages 207-240.
  10. Fumio Hayashi, 1982. "The Effect of Liquidity Constraints on Consumption: A Cross-Sectional Analysis," NBER Working Papers 0882, National Bureau of Economic Research, Inc.
  11. Dairo Estrada & Sandra Rozo, 2006. "Multimarket spatial competition in the Colombian deposit market," BORRADORES DE ECONOMIA 003264, BANCO DE LA REPÚBLICA.
  12. Bester, Helmut, 1985. "Screening vs. Rationing in Credit Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 75(4), pages 850-55, September.
  13. Adolfo Barajas & Roberto Steiner, 2002. "Credit Stagnation in Latin America," IMF Working Papers 02/53, International Monetary Fund.
  14. Ross Levine, 2004. "Finance and Growth: Theory and Evidence," NBER Working Papers 10766, National Bureau of Economic Research, Inc.
  15. Torsten Schmidt & Hiltrud Nehls, 2003. "Credit Crunch in Germany?," RWI Discussion Papers 0006, Rheinisch-Westfälisches Institut für Wirtschaftsforschung.
  16. Hall, Robert E, 1978. "Stochastic Implications of the Life Cycle-Permanent Income Hypothesis: Theory and Evidence," Journal of Political Economy, University of Chicago Press, vol. 86(6), pages 971-87, December.
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