Maestría en Economía Aplicada (tesis)

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Impacto de los choques de ingreso y tasas de interés en el uso de tarjetas de crédito en Colombia
(Universidad EAFIT, 2017) Álvarez Gallardo, Laura María; López Ciro, John Freddy; Torres García, Alejandro
This research has as main objective to evaluate the behavior of the consumers against the use of credit cards in Colombia as mechanism of consumption and financing in response to economic shocks of income and interest rates -- For this, a cointegration model was used in order to evaluate this credit alternative and to determine the relationships that it has in the long term with other macroeconomic variables that help explain the behavior of economic agents in relation to this type of credit -- For the investigation, the information on the behavior of credit card consumption and other variables between the years 2009-2016 was obtained -- It is concluded that consumption through credit cards has a positive relation with income and negative one with unemployment, however, contrary to what could be thought, the interest rate does not explain the decisions of consumers against the use of this alternative financing -- It is considered important to carry out the present investigation, since, in reviewing the Colombian case, very little literature on this subject is found