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Determinantes del acceso a los productos financieros en los hogares colombianos

Author

Listed:
  • Santiago Rodríguez-Raga
  • Fe?lix Francisco Riaño Rodri?guez

Abstract

Existe evidencia que establece una asociación positiva entre el acceso a productos financieros, la riqueza y calidad de vida de los hogares, en especial de los hogares pobres. En este ámbito, este estudio busca entender los determinantes del acceso a los diferentes productos financieros en los hogares de Colombia, utilizando un modelo econométrico con base en la información contenida en la Encuesta Longitudinal Colombiana (ELCA) de la Universidad de los Andes. Como conclusión se encuentra que los principales determinantes del acceso a productos financieros son el nivel de ingreso o riqueza, la educación y la estabilidad en términos laborales.

Suggested Citation

  • Santiago Rodríguez-Raga & Fe?lix Francisco Riaño Rodri?guez, 2016. "Determinantes del acceso a los productos financieros en los hogares colombianos," Estudios Gerenciales, Universidad Icesi, vol. 32(138), pages 14-24, February.
    • Handle: RePEc:col:000129:014376
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    File URL: http://www.icesi.edu.co/revistas/index.php/estudios_gerenciales/article/view/2188
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    Cited by:

    1. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2016. "Ahorro de los hogares de ingresos medios y bajos de las zonas urbana y rural en Colombia," Borradores de Economia 960, Banco de la Republica de Colombia.

    More about this item

    Keywords

    Productos financieros; Acceso; Inclusión financiera;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R51 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Finance in Urban and Rural Economies

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