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DETERMINANTS OF CREDIT ACCESS FOR COLOMBIAN HOUSEHOLDS

Keywords: households, banking services, credit access.

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Abstract:

this paper identifi es the main determinants of credit access for colombian households. it finds that income, wealth, geographical position, access to social security, the education level and age affect the probability of credit use (mortgage loans and credit cards). moreover, a large part of the population has a favorable financial condition (represented by high savings rates) and do not have access to credit. this suggests the existence of a potential segment in that market.

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