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Acceso y uso de los mercados financieros para el pago de los gastos de la educación básica

Author

Listed:
  • Kristiano Raccanello

    (El Colegio de Tlaxcala A.C.)

  • Laura Elena Carrillo Cubillas

    (Galilei A.C., Puebla, México)

  • Mariana Guzmán Yerena

    (Deloitte, Ciudad de México)

Abstract

A raíz de la crisis financiera del 2008, el ajuste macroeconómico ha afectado a los hogares mexicanos a través de un mayor desempleo y una caída del poder adquisitivo. También, las familias tenían que seguir financiando los gastos en educación, a veces endeudándose en el mercado financiero formal o informal. La hipótesis de este artículo propone que el acceso y el uso de los productos financieros formales e informales permiten reducir los problemas financieros asociados con los gastos escolares en los niveles de educación básica. El modelo probit se estima con una muestra constituida por cuatrocientos hogares que residen en el municipio de San Pedro Cholula (estado de Puebla). Los resultados indican que un empeoramiento de las condiciones laborales y la pérdida del empleo se asocian con una mayor probabilidad de enfrentar dificultades financieras. Asimismo, el acceso al mercado financiero formal permite reducir la probabilidad de enfrentar estas dificultades, mientras que para el informal los resultados están en función de las características de cada intermediario financiero.

Suggested Citation

  • Kristiano Raccanello & Laura Elena Carrillo Cubillas & Mariana Guzmán Yerena, 2017. "Acceso y uso de los mercados financieros para el pago de los gastos de la educación básica," Contaduría y Administración, Accounting and Management, vol. 62(3), pages 843-860, Julio-Sep.
    • Handle: RePEc:nax:conyad:v:62:y:2017:i:3:p:843-860
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    References listed on IDEAS

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    More about this item

    Keywords

    Financiamiento de la educación; Gasto privado; Mercados financieros; México;
    All these keywords.

    JEL classification:

    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid

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