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Impacto del crédito en el bienestar


  • Víctor Gerardo Carreón Rodríguez

    () (Division of Economics, CIDE)

  • Malena Svarch Pérez


There exists an ongoing debate about the economic impact induced by credit programs, mainly in developing countries. However, it has been less discussed the impact on welfare derived from the ownership of informal or formal credit. In this paper it is studied the impact of credit on the individual’s welfare. We define welfare as the expenditure increase in goods related to education or health. We use the Mexican Family Live Survey (MxFLS), since it has data about individual’s and household’s consumption and credit patterns. We find that individuals with credit reduce their food expenditures and increase their consumption of durable goods, such as health, human capital and house appliances.

Suggested Citation

  • Víctor Gerardo Carreón Rodríguez & Malena Svarch Pérez, 2007. "Impacto del crédito en el bienestar," Working papers DTE 406, CIDE, División de Economía.
  • Handle: RePEc:emc:wpaper:dte406

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    More about this item


    credit programs; developing countries; impact on welfare; informal credit; formal credit;

    JEL classification:

    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • P46 - Economic Systems - - Other Economic Systems - - - Consumer Economics; Health; Education and Training; Welfare, Income, Wealth, and Poverty


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