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Crédito formal e informal de los hogares en Colombia

In: Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe

Author

Listed:
  • Ana María Iregui-Bohórquez

    (Banco de la República de Colombia)

  • Ligia Alba Melo-Becerra

    (Banco de la República de Colombia)

  • María Teresa Ramírez-Giraldo

    (Banco de la República de Colombia)

  • Ana María Tribín-Uribe

    (Banco de la República de Colombia)

Abstract

Este documento proporciona evidencia empírica sobre los factores determinantes de la probabilidad de que un hogar tenga crédito, con el sector formal o informal, tanto en zonas urbanas como rurales en Colombia. También se analizan los posibles factores que afectan la probabilidad de que los hogares se encuentren atrasados en el pago de sus créditos. Los resultados indican que la probabilidad de que un hogar tenga crédito está relacionada positivamente con el estado civil del jefe del hogar (casado), su educación, el ingreso, el tamaño del hogar, la propiedad de la vivienda y la participación laboral. Las estimaciones indican que el ingreso y la educación tienen una correlación positiva con la probabilidad de tener crédito formal y negativa con la probabilidad de tener crédito informal. Finalmente, el ingreso, el destino de los créditos y algunos eventos explican la probabilidad de estar en mora.

Suggested Citation

  • Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2018. "Crédito formal e informal de los hogares en Colombia," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 5, pages 133-166, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
  • Handle: RePEc:cml:incocp:7sp-05
    Note: Programa de Investigación Conjunta de la Red de Investigadores de Bancos Centrales
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    References listed on IDEAS

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    More about this item

    Keywords

    deuda de los hogares; crédito formal; crédito informal; mora; Colombia.;
    All these keywords.

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • R22 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Other Demand

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