El programa de transferencias condicionadas en Colombia, Familias en Acción, inició en el año 2009 un plan de bancarización de sus beneficiarios. El propósito central consiste en abrir cuentas de ahorro de bajo monto para cada uno de los beneficiarios del programa, que no sólo permiten el...

This article aims to identify the most relevant variables that allow through a neural network model (RNA), with supervised learning, in a kind of error correction and feedforward perceptron multilayer architecture to achieve the best predictors of low risk, in the process of microcredit....

In adjustable interest loans the borrower assumes the risk of interest rate rising, which leads to the growth of loan annuities. Given the importance of this risk in both corporate and personal finance, it is a recurrent topic in economic and financial press. In this paper, we show that the...

This research shows the application and performance of three models for the classification of credit applicants: discriminant analysis, logistic regression and neural networks; techniques used by financial institutions for the calculation of credit scoring. The results show a better performance...

The article aims to analyze, if the decision to change the banks present significant differences between women and men.For the purpose, a general survey distributed to 209 people was used, inspired by the one conducted by the University of Michigan on the consumer confidence index. As...

This paper develops and estimates a dynamic structural model of participation in the risky financial asset markets using household level panel data. We specify a simple economic model in order to capture the portfolio choice over the life cycle. We solve the model using numerical techniques....

Este trabajo cuantifica el impacto de las restricciones financieras en la decisión de compra de vivienda de las familias españolas. Para ello se usa una variante de la metodología existente basada en el estudio de Linneman y Wachter (1989). En una primera etapa se estima el valor de la...