Participación en el mercado de crédito formal versus el informal en México
Article Sidebar
Publicado
mar 31, 2020
##plugins.pubIds.doi.readerDisplayName##
https://doi.org/10.30878/ces.v27n2a2
Main Article Content
Isaí Guízar
http://orcid.org/0000-0001-8616-8848
; Daniel Gonzalez Olivares
http://orcid.org/0000-0002-9052-2763
; Fatima Ezzahra Housni
http://orcid.org/0000-0003-0660-609X
http://orcid.org/0000-0001-8616-8848
; Daniel Gonzalez Olivares
http://orcid.org/0000-0002-9052-2763
; Fatima Ezzahra Housni
http://orcid.org/0000-0003-0660-609X
Resumen
Se identifican factores que influyen en la decisión de tomar un crédito formal versus uno informal en México. Empleando información de la Encuesta Nacional de Inclusión Financiera, los resultados econométricos distinguen un conjunto de variables que tienen una relación positiva en las elecciones de fuentes formales, pero negativa en las informales (ingreso, educación, estado civil, género y acceso a seguros), otra que sólo influye en las elecciones formales (posesión de garantías, tamaño del hogar, ahorro financiero y posesión de teléfono celular) y otra en las elecciones de mecanismos informales (edad). El ejercicio ayuda a comprender por qué la participación de los mexicanos en el mercado de crédito formal es substancialmente menor que en el mercado informal.
Article Details
Como citar
GUÍZAR, Isaí; GONZALEZ OLIVARES, ; Daniel; HOUSNI, ; Fatima Ezzahra.
Participación en el mercado de crédito formal versus el informal en México.
CIENCIA ergo-sum, [S.l.], v. 27, n. 2, mar. 2020.
ISSN 2395-8782.
Disponible en: <https://cienciaergosum.uaemex.mx/article/view/10893>. Fecha de acceso: 18 ago. 2026
doi: https://doi.org/10.30878/ces.v27n2a2.
Sección
Ciencias sociales
Citas
Banco Mundial. (2018a). Inclusión Financiera Global. World Bank Group. Disponible en https://globalfindex.worldbank.org/#data_sec_focus
Banco Mundial. (2018b). Indicadores de Desarrollo Mundial. World Bank Group. Disponible en https://data.worldbank.org/products/wdi
Banerjee, A., Duflo, E., Glennerster. R., & Kinnan, C. (2015). The Miracle of microfinance? Evidence from a Randomized Evaluation. American Economic Journal: Applied Economics, 7(1), 22-53.
Besley, T. (1994). How do market failures justify interventions in rural credit markets? The World Bank Research Observer, 9(1), 27-48.
Conning, J., & Udry, C. (2007). Rural financial markets in developing countries. In Robert Evenson & Prabhu Pingali (eds.), Handbook of Agricultural Economics (Vol. 3, pp. 2857-2908).
Demigüç-Kunt, A., Beck, T., & Honohan, P. (2008). Finance for All? Policies and Pitfalls in Expanding Access. A World Bank Policy Research Report. The World Bank.
Diagne, A. (1999). Determinants of household access to and participation in formal and informal credit markets in Malawi. FCND Discussion Paper 67. International Food Policy Research Institute.
ENIF (Encuesta Nacional de Inclusión Financiera). (2015). Instituto Nacional de Estadística y Geografía (INEGI). Base de datos en línea. Disponible en http://www.beta.inegi.org.mx/proyectos/enchogares/especiales/enif/2015/
Giné, X. (2011). Access to capital in rural thailand: An estimated model of formal vs. Informa3 Credit. Journal of Development Economics, 96(1), 16 -29.
Guirkinger C. (2008). Understanding the coexistence of formal and informal credit markets in Piura, Perú. World Development, 36(8), 1436-1452.
Gonzalez-Vega, C. (2003). Deepening rural financial markets: Macroeconomic, policy and political dimensions. International Conference on Paving the Way Forward for Rural Finance. Washington, D. C.: WOCCU & USAID.
Jaffee, D., & Stiglitz, J. E. (1990). Credit rationing. In Bejamin M. Friedman & Frank H. Hahn (eds.), Handbook of Monetary Economics (Vol. 2, pp. 838-888).
Levine, R. (1997). Financial development and economic growth: Views and agenda. Journal of Economic Literature, 35(2), 688-726.
Levine, R. (2005). Finance and growth: Theory and evidence. In Philippe Aghion y Steven N. Durlauf (eds.), Handbook of Economic Growth (Chap. 12., Vol. 1, pp. 865-934).
Levine, R., Loaiza, N., & Beck, T. (2000). Financial intermediation and growth: Casualty and Causes. Journal of Monetary Economics, 46, 31-77.
Lloyd-Ellis, H., & Berhardt, D. (2000). Enterprise, Inequality and Economic Development, Review of Economic Studies, 67(1), 147-168.
Maldonado, J. H., & Gonzalez-Vega C. (2008). Impact of microfinance on schooling: Evidence from poor rural households in Bolivia. World Development, 36(11), 2440-2455.
McKenzie, D. J., & Woodruff, C. (2008). Experimental evidence on returns to capital and access to finance in Mexico. The World Bank Economic Review, 22(3), 457-482.
Mohieldin, M. S., & Wright P. W. (2000). Formal and informal credit markets in Egypt. Economic Development and Cultural Change, 48(3), 657-670.
Banco Mundial. (2018b). Indicadores de Desarrollo Mundial. World Bank Group. Disponible en https://data.worldbank.org/products/wdi
Banerjee, A., Duflo, E., Glennerster. R., & Kinnan, C. (2015). The Miracle of microfinance? Evidence from a Randomized Evaluation. American Economic Journal: Applied Economics, 7(1), 22-53.
Besley, T. (1994). How do market failures justify interventions in rural credit markets? The World Bank Research Observer, 9(1), 27-48.
Conning, J., & Udry, C. (2007). Rural financial markets in developing countries. In Robert Evenson & Prabhu Pingali (eds.), Handbook of Agricultural Economics (Vol. 3, pp. 2857-2908).
Demigüç-Kunt, A., Beck, T., & Honohan, P. (2008). Finance for All? Policies and Pitfalls in Expanding Access. A World Bank Policy Research Report. The World Bank.
Diagne, A. (1999). Determinants of household access to and participation in formal and informal credit markets in Malawi. FCND Discussion Paper 67. International Food Policy Research Institute.
ENIF (Encuesta Nacional de Inclusión Financiera). (2015). Instituto Nacional de Estadística y Geografía (INEGI). Base de datos en línea. Disponible en http://www.beta.inegi.org.mx/proyectos/enchogares/especiales/enif/2015/
Giné, X. (2011). Access to capital in rural thailand: An estimated model of formal vs. Informa3 Credit. Journal of Development Economics, 96(1), 16 -29.
Guirkinger C. (2008). Understanding the coexistence of formal and informal credit markets in Piura, Perú. World Development, 36(8), 1436-1452.
Gonzalez-Vega, C. (2003). Deepening rural financial markets: Macroeconomic, policy and political dimensions. International Conference on Paving the Way Forward for Rural Finance. Washington, D. C.: WOCCU & USAID.
Jaffee, D., & Stiglitz, J. E. (1990). Credit rationing. In Bejamin M. Friedman & Frank H. Hahn (eds.), Handbook of Monetary Economics (Vol. 2, pp. 838-888).
Levine, R. (1997). Financial development and economic growth: Views and agenda. Journal of Economic Literature, 35(2), 688-726.
Levine, R. (2005). Finance and growth: Theory and evidence. In Philippe Aghion y Steven N. Durlauf (eds.), Handbook of Economic Growth (Chap. 12., Vol. 1, pp. 865-934).
Levine, R., Loaiza, N., & Beck, T. (2000). Financial intermediation and growth: Casualty and Causes. Journal of Monetary Economics, 46, 31-77.
Lloyd-Ellis, H., & Berhardt, D. (2000). Enterprise, Inequality and Economic Development, Review of Economic Studies, 67(1), 147-168.
Maldonado, J. H., & Gonzalez-Vega C. (2008). Impact of microfinance on schooling: Evidence from poor rural households in Bolivia. World Development, 36(11), 2440-2455.
McKenzie, D. J., & Woodruff, C. (2008). Experimental evidence on returns to capital and access to finance in Mexico. The World Bank Economic Review, 22(3), 457-482.
Mohieldin, M. S., & Wright P. W. (2000). Formal and informal credit markets in Egypt. Economic Development and Cultural Change, 48(3), 657-670.