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Alfabetismo Financiero, Endeudamiento y Morosidad de los Hogares en Chile

Author

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  • Roberto Álvarez
  • Jaime Ruiz-Tagle

Abstract

Este trabajo explora el impacto de la alfabetización financiera sobre el acceso a deuda, los niveles de endeudamiento y la morosidad de los hogares en Chile. Se encuentra que los niveles de alfabetización financiera son relativamente bajos en los hogares chilenos. Consistente con lo encontrado en estudios previos, los grados de alfabetización financiera tienden a ser menores en los jóvenes y adultos mayores, en las mujeres, en los individuos menos educados, y en los segmentos de menores ingresos. Los resultados econométricos revelan que mayor alfabetización financiera eleva la probabilidad de acceder a deuda, tanto bancaria como en casas comerciales. No obstante, no se encuentra que alfabetización financiera esté asociada significativamente a menores niveles de endeudamiento y morosidad de los hogares.

Suggested Citation

  • Roberto Álvarez & Jaime Ruiz-Tagle, 2016. "Alfabetismo Financiero, Endeudamiento y Morosidad de los Hogares en Chile," Working Papers wp424, University of Chile, Department of Economics.
    • Handle: RePEc:udc:wpaper:wp424
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    File URL: http://www.econ.uchile.cl/es/publicacion/alfabetismo-financiero-endeudamiento-y-morosidad-de-los-hogares-en-chile
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    Cited by:

    1. Roberto Alvarez & Alvaro Miranda & Jaime Ruiz-Tagle, 2023. "Whisper Words of Wisdom: How Financial Counseling can Reduce Delinquency in Consumer Loans," Working Papers wp552, University of Chile, Department of Economics.

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