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Modelando la propensión al endeudamiento: ¿son determinantes los factores comportamentales y socioeconómicos?

Author

Listed:
  • Ani Caroline Grigion Potrich
  • Kelmara Mendes Vieira
  • Daniel Arruda Coronel
  • Reisoli Bender Filho

Abstract

El presente estudio analiza la influencia que tiene los factores comportamentales y las variables socioeconómicas y demográficas sobre la propensión al endeudamiento. Para tal fin se realizó una investigación a partir de 2.391 encuestas. Con base en las respuestas se utilizó el análisis factorial para validar los factores de materialismo y compras compulsivas. Con la estimación de un modelo Logit Multinomial se analizó la influencia de estos factores y de las variables socioeconómicas y demográficas en la propensión al endeudamiento. Los principales resultados sugieren que, cuanto peor sea el comportamiento materialista y de compras compulsivas del individuo, mayor será la propensión a endeudarse. Así como que los que poseen dependientes, no poseen una ocupación, tienen menores niveles de edad, escolaridad y renta familiar son los que presentan mayor propensión al endeudamiento. Entre las variables significativas se destaca el factor de compras compulsivas, demostrando que cuanto mayor el control del comportamiento de compras compulsivas del individuo, menor será su propensión a endeudarse- ****** This study analyzes the influence of behavioral factors and socioeconomic and demographic variables on the tendency to debt. For this purpose an investigation was conducted from 2,391 surveys. Based on the answers factor analysis was used to validate the factors of materialism and compulsive buying. With the estimation of a multinomial logit model the influence of these factors and socioeconomic and demographic in the propensity to debt variables was analyzed. The main results suggest that the poorer materialistic and compulsive shopping behavior of the individual, the greater the propensity to debt. And those with dependents, do not have an occupation, have lower levels of age, education and family income are those with greater propensity to debt. Among the significant variables a Compulsive shopping factor is highlighted, showing that the greater the control of the compulsive shopping behavior of the individual, the lower their propensity to debt

Suggested Citation

  • Ani Caroline Grigion Potrich & Kelmara Mendes Vieira & Daniel Arruda Coronel & Reisoli Bender Filho, 2016. "Modelando la propensión al endeudamiento: ¿son determinantes los factores comportamentales y socioeconómicos?," Revista Facultad de Ciencias Económicas, Universidad Militar Nueva Granada, vol. 24(2), pages 85-110, October.
    • Handle: RePEc:col:000180:015146
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    File URL: http://revistas.unimilitar.edu.co/index.php/rfce/article/view/2214/2038
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