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Factores que afectan la tenencia de productos financieros en Colombia

Author

Listed:
  • Daisy Johana Pacheco

    (Banco de la República)

  • Ana María Yaruro

    (Banco de la República)

Abstract

En este trabajo se indaga sobre las variables que determinan que, pese a conocer de la existencia de los productos financieros, las personas decidan no incluirlos en su portafolio de productos y servicios. Con base en los resultados para Colombia de la Encuesta de medición de capacidades financieras en los países andinos de la CAF se estima la dependencia entre la condición de conocimiento y tenencia de productos financieros y las variables relacionadas con las características sociodemográficas del encuestado, las aptitudes financieras de los hogares, entre otras y adicionalmente medir el nivel o la fuerza de asociación entre las mismas. La metodología propuesta es la de tablas de contingencia de dos factores, complementada con modelos de regresión log-lineal, siguiendo lo propuesto por Agresti (2007). Los resultados muestran que no poseer un producto financiero, a pesar de que sabe de su existencia, está relacionado con un nivel bajo de educación, ingresos y con la carencia de un presupuesto, entre otras.

Suggested Citation

  • Daisy Johana Pacheco & Ana María Yaruro, 2016. "Factores que afectan la tenencia de productos financieros en Colombia," Borradores de Economia 978, Banco de la Republica de Colombia.
    • Handle: RePEc:bdr:borrec:978
    DOI: 10.32468/be.978
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    References listed on IDEAS

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    Cited by:

    1. Carlos A. Arango-Arango & Héctor M. Zárate-Solano & Nicolás F. Suárez-Ariza, 2017. "Determinantes del Acceso, Uso y Aceptación de Pagos Electrónicos en Colombia," Borradores de Economia 999, Banco de la Republica de Colombia.
    2. Daisy J. Pacheco-Bernal & Santiago D. Segovia-Baquero & Ana M. Yaruro-Jaime, 2017. "Vulnerabilidades financieras de los hogares en Colombia," Borradores de Economia 1026, Banco de la Republica de Colombia.

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    More about this item

    Keywords

    Inclusión financiera; estabilidad financiera; conocimiento y tenencia de productos financieros.;
    All these keywords.

    JEL classification:

    • D10 - Microeconomics - - Household Behavior - - - General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • O10 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - General

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