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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

Author

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  • MUJIKA ALBERDI, ALAZNE

    () (UNIVERSIDAD DEDEUSTO-CAMPUS DE SAN SEBASTIÁN)

  • GIBAJA MARTÍNS, JUAN JOSÉ

    () (UNIVERSIDAD DEDEUSTO-CAMPUS DE SAN SEBASTIÁN)

  • GARCÍA ARRIZABALAGA, IÑAKI

    () (UNIVERSIDAD DEDEUSTO-CAMPUS DE SAN SEBASTIÁN)

Abstract

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.

Suggested Citation

  • Mujika Alberdi, Alazne & Gibaja Martíns, Juan José & García Arrizabalaga, Iñaki, 2009. "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," Estudios de Economía Aplicada, Estudios de Economía Aplicada, vol. 27, pages 463-500, Agosto.
  • Handle: RePEc:lrk:eeaart:27_2_8
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    References listed on IDEAS

    as
    1. 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.
    2. 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.
    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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    More about this item

    Keywords

    Endeudamiento; sobreendeudamiento ; Indebtedness; Over-indebtedness.;

    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

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