{"title":"CAPITAL SOCIAL Y MERCADOS FINANCIEROS CREDITICIOS: DEMANDA DE CRÉDITO EN MÉXICO, 2010","authors":"Ernesto Zepeda, Juan Antonio Leos, Félix Carvallo","doi":"10.1016/j.rpd.2016.01.004","DOIUrl":null,"url":null,"abstract":"<div><p>In the presence of market failures, people need to find acceptable mechanisms to reduce uncertainty and maximize potential benefits. Because the principal failure is the asymmetry of information available, people resort to channels that transmit information to compensate for these drawbacks. These channels are networks of social relationships. This phenomenon is referred to as Social Capital, the network of people that an individual possesses, and whose use could bring about benefits. In the case of the financial market (especially the credit market), people make use of Social Capital when making decisions within the market. Through a series of linear models, drawing on data from wvs-2010 and <span>enigh</span>-2010, it was found that credit demand responds to a few variables that indicate individuals’ perceptions of their environment (information).</p></div>","PeriodicalId":35889,"journal":{"name":"Problemas del Desarrollo","volume":"47 184","pages":"Pages 61-85"},"PeriodicalIF":0.0000,"publicationDate":"2016-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1016/j.rpd.2016.01.004","citationCount":"2","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Problemas del Desarrollo","FirstCategoryId":"1085","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S0301703616000055","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"Social Sciences","Score":null,"Total":0}
引用次数: 2
Abstract
In the presence of market failures, people need to find acceptable mechanisms to reduce uncertainty and maximize potential benefits. Because the principal failure is the asymmetry of information available, people resort to channels that transmit information to compensate for these drawbacks. These channels are networks of social relationships. This phenomenon is referred to as Social Capital, the network of people that an individual possesses, and whose use could bring about benefits. In the case of the financial market (especially the credit market), people make use of Social Capital when making decisions within the market. Through a series of linear models, drawing on data from wvs-2010 and enigh-2010, it was found that credit demand responds to a few variables that indicate individuals’ perceptions of their environment (information).
期刊介绍：
roblemas del Desarrollo. Revista Latinoamericana de Economía, publicación trimestral, es el órgano oficial de divulgación del Instituto de Investigaciones Económicas de la Universidad Nacional Autónoma de México (UNAM), el que atento a la propuesta de sus fundadores, recibe todas las interpretaciones teóricas que con rigor científico, pretendan analizar las diferentes dificultades planteadas por el desarrollo económico, a fin de generar crítica, refutación y reconocer desacuerdos entre predicciones como cualquier teoría científica es capaz de hacerlo.
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