Determinants of consumer credit within a debt constrained framework : evidence from microdata

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Borradores de Economía; No. 912
Date published
2015-11-05
Date of last update
2020-02-07
Author
Arango-Thomas, Luis Eduardo
Cardona-Sosa, Lina Marcela
Document language
spa
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Las opiniones contenidas en el presente documento son responsabilidad exclusiva de los autores y no comprometen al Banco de la República ni a su Junta Directiva.
Abstract
Determinants of consumer credit are estimated by using information from a Credit Union located in Medellín-Colombia. To the best of our knowledge, this is the first investigation using this kind of data in Colombia. We find that life cycle-permanent incom
JEL Codes
G21 - Banks; Depository Institutions; Micro Finance Institutions; MortgagesD12 - Consumer Economics: Empirical Analysis
Keywords
Consumer credit ; Life cycle-permanent income hypothesis ; Credit constraints ; Score ;
URI
https://repositorio.banrep.gov.co/handle/20.500.12134/6223
https://hdl.handle.net/20.500.12134/6223
https://doi.org/10.32468/be.912
https://ideas.repec.org/p/bdr/borrec/912.html
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This work is licensed under a Creative Commons Reconocimiento-NoComercial 4.0.This document has been deposited by the author (s) under the following certificate of deposit