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Redes sociales, confianza y hábitos financieros: un análisis empírico

  • Sonia Di Giannatale

    ()

    (Centro de Investigación y Docencia Económicas)

  • Alexander Elbittar

    ()

    (Centro de Investigación y Docencia Económicas)

  • Lucy Maya

    ()

    (Centro de Investigación y Docencia Económicas)

  • Alfredo Ramírez

    ()

    (Centro de Investigación y Docencia Económicas)

  • María José Roa

    ()

    (Centro de Estudios Monetarios Latinoamericanos)

Con el objetivo de estudiar la asociación entre las características y los recursos de una red social y los hábitos financieros de sus miembros, aplicamos una encuesta en una comunidad académica acotada en la Ciudad de México. En consonancia con la literatura de redes y desarrollo financiero, nuestros resultados predicen que el uso y acceso a instrumentos financieros formales podrían estar relacionados con una estructura abierta y heterogénea de las redes sociales a las cuales los individuos recurren frente a sus necesidades financieras y emergencias personales. Nuestros resultados muestran que el uso de instrumentos financieros formales parece estar parcialmente explicado por la diversidad de red de los individuos. En particular, obtenemos que a mayor diversidad de red, mayor uso de instrumentos financieros formales. Sin embargo, el coeficiente de la diversidad de red no resulta ser estadísticamente significativo para explicar el uso de instrumentos financieros informales.

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File URL: http://www.cemla.org/PDF/investigacion/inv-2012-01-03.pdf
File Function: 2012
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Paper provided by Centro de Estudios Monetarios Latinoamericanos, CEMLA in its series Documentos de Investigación - Research Papers with number 3.

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Length: 35
Date of creation: Dec 2012
Date of revision:
Handle: RePEc:cml:docinv:3
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