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Acceso y participación de los sectores populares mexicanos en el mercado formal de crédito

Author

Listed:
  • Cotler, Pablo

    (Universidad Iberoamericana)

  • Rodríguez-Oreggia, Eduardo

    (Instituto Tecnológico y de Estudios Superiores de Monterrey, ITESM. Campus Estado de México)

Abstract

There is a growing interest for designing polices that may help increase the use of formal financial products by poor people. We use a panel database of families with access to these financial products and analyze why some use these products and others not. To verify the robustness of our results, we also analyze what factors are responsible in the change of these decisions overtime. Among the multiple determinants we find family wealth, local shocks, labor position and whether the family receives government transfers.// Existe un creciente interés por elaborar políticas públicas que aumentan la participación de la población de escasos recursos en los mercados crediticios formales. Tomando en consideración la diferencia que existe entre el acceso y el uso, utilizamos una base de panel de datos para examinar qué factores determinan que los sectores populares – que cuentan con acceso a servicios crediticios institucionales- hagan uso de dichos productos financieros. Para verificar la solidez d el los resultados se analiza además qué factores determinan la movilidad o inmovilidad de la decisión de participar a lo largo del tiempo. Entre los múltiples determinantes destacan un índice de riqueza familiar, la existencia de perturbaciones en la localidad, la posición en el trabajo y la recepción de transferencias provenientes de Estado.

Suggested Citation

  • Cotler, Pablo & Rodríguez-Oreggia, Eduardo, 2009. "Acceso y participación de los sectores populares mexicanos en el mercado formal de crédito," El Trimestre Económico, Fondo de Cultura Económica, vol. 0(303), pages 671-693, julio-sep.
  • Handle: RePEc:elt:journl:v:76:y:2009:i:303:p:671-693
    DOI: http://dx.doi.org/10.20430/ete.v76i303.493
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    File URL: http://www.eltrimestreeconomico.com.mx/index.php/te/article/view/493/531
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    Cited by:

    1. Alfredo R. Anaya Narváez & Yaneth Patricia Romero Álvarez, 2018. "La inclusión financiera en Sincelejo (Colombia). Un modelo econométrico probit," Revista Ecos de Economía, Universidad EAFIT, vol. 22(46), pages 91-110, June.

    More about this item

    Keywords

    acceso y participación; crédito formal; panel de datos;

    JEL classification:

    • C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data; Spatio-temporal Models
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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