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Determinantes del acceso al crédito de los hogares colombianos

Author

Listed:
  • Andrés Murcia Pabón

Abstract

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.

Suggested Citation

  • 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.
    • Handle: RePEc:col:000107:004646
    DOI: 10.32468/Espe.5502
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    References listed on IDEAS

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    More about this item

    Keywords

    hogares; bancarización; acceso al crédito.;
    All these keywords.

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • C43 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Index Numbers and Aggregation
    • D19 - Microeconomics - - Household Behavior - - - Other
    • D59 - Microeconomics - - General Equilibrium and Disequilibrium - - - Other

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