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Un estudio sobre el endeudamiento del consumidor: el caso de los hogares vascos /A Study of the Consumers Indebtedness: The Case of the Basque Households

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    Factores como la aparición en el mercado de nuevas formas de financiación, los nuevos patrones de consumo y ahorro, o la estabilidad macroeconómica de los últimos años han impulsado el incremento del endeudamiento de los hogares. Sin embargo, la situación de endeudamiento de una familia puede derivar en una de ahogo financiero y de quiebra familiar en escenarios de inestabilidad en el nivel de renta o los tipos de interés. La gravedad de este hecho ha animado a llevar a cabo este estudio sobre la situación de endeudamiento y sobreendeudamiento de las familias vascas. El estudio ha identificado un incremento muy significativo de hogares al borde de la quiebra financiera. Según este estudio, el 5% de las familias vascas sufren esta extremada situación. New forms of financing, new patterns of consumption and saving, or macroeconomic stability of recent years have promoted the growth of household borrowing. However, the debt situation of a family may degenerate into a choking financial and family bankruptcy in scenarios of instability in the level of income or interest rates. The gravity of this fact has encouraged to carry out this study on the situation of indebtedness and overindebtedness of the Basque families. The study has identified a very significant growth of households on the brink of financial bankruptcy. The research shows that 5% of Basque families suffer this extreme situation.

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    Article provided by Estudios de Economía Aplicada in its journal Estudios de Economía Aplicada.

    Volume (Year): 27 (2009)
    Issue (Month): (Agosto)
    Pages: 463-500

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    Handle: RePEc:lrk:eeaart:27_2_8
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    Beatriz Rodríguez Prado. Facultad de CC.EE. y EE. Avda. Valle del Esgueva. Valladolid 47011 SPAIN

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    1. Hirschman, Elizabeth C, 1979. " Differences in Consumer Purchase Behavior by Credit Card Payment System," Journal of Consumer Research, Oxford University Press, vol. 6(1), pages 58-66, June.
    2. Lea, Stephen E. G. & Webley, Paul & Levine, R. Mark, 1993. "The economic psychology of consumer debt," Journal of Economic Psychology, Elsevier, vol. 14(1), pages 85-119, March.
    3. Lea, Stephen E. G. & Webley, Paul & Walker, Catherine M., 1995. "Psychological factors in consumer debt: Money management, economic socialization, and credit use," Journal of Economic Psychology, Elsevier, vol. 16(4), pages 681-701, December.
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