<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0301-7036</journal-id>
<journal-title><![CDATA[Problemas del desarrollo]]></journal-title>
<abbrev-journal-title><![CDATA[Prob. Des]]></abbrev-journal-title>
<issn>0301-7036</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Instituto de Investigaciones Económicas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0301-70362019000400115</article-id>
<article-id pub-id-type="doi">10.22201/iiec.20078951e.2019.199.67463</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Determinantes del endeudamiento de los hogares en México: un análisis con redes neuronales]]></article-title>
<article-title xml:lang="en"><![CDATA[Determinants of debt in Mexican households: a neural network analysis]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Díaz Rodríguez]]></surname>
<given-names><![CDATA[Héctor Eduardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Sosa Castro]]></surname>
<given-names><![CDATA[Miriam]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cabello Rosales]]></surname>
<given-names><![CDATA[Alejandra]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional Autónoma de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma Metropolitana  ]]></institution>
<addr-line><![CDATA[Iztapalapa ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2019</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2019</year>
</pub-date>
<volume>50</volume>
<numero>199</numero>
<fpage>115</fpage>
<lpage>140</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0301-70362019000400115&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0301-70362019000400115&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0301-70362019000400115&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En años recientes el crédito al consumo en México creció de manera importante. Las tarjetas de crédito, que representan 52% de los créditos en el país, crecieron 19% de 2011 a 2018; mientras que el endeudamiento promedio por tarjeta creció 62%. Dicho crecimiento genera problemas de sobreendeudamiento de los hogares mexicanos. Empleando microdatos de la Encuesta Nacional de Ingresos y Gastos en los Hogares (ENIGH), la presente investigación busca encontrar los factores del sobreendeudamiento en los hogares, y aportar una explicación del mismo para ello, se utilizó la metodología de redes neuronales. El principal determinante de sobreendeudamiento de los hogares mexicanos es la existencia de un crédito bancario, hecho que indica una transferencia de largo plazo del ingreso familiar hacia este sector financiero.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract In recent years, consumer credit in Mexico has grown in significant ways. Credit cards, which represent 52% of credit in the country, grew by 19% from 2011 to 2018, while the average debt per card increased by 62%. This increase generates problems of over-indebtedness in Mexican households. Using microdata from the National Income and Expenditure Survey (NIES), this research seeks to identify the factors that affect over-indebtedness in households, and to offer an explanation of said phenomenon using a neural network methodology. The principal determinant of over-indebtedness in Mexican households is the existence of bank credit, given that this indicates a long-term transfer of family income to the financial sector.]]></p></abstract>
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<kwd lng="es"><![CDATA[endeudamiento financiero]]></kwd>
<kwd lng="es"><![CDATA[crédito al consumo]]></kwd>
<kwd lng="es"><![CDATA[poder adquisitivo]]></kwd>
<kwd lng="es"><![CDATA[banca comercial]]></kwd>
<kwd lng="es"><![CDATA[redes neuronales artificiales]]></kwd>
<kwd lng="en"><![CDATA[financial debt]]></kwd>
<kwd lng="en"><![CDATA[consumer credit]]></kwd>
<kwd lng="en"><![CDATA[acquiring power]]></kwd>
<kwd lng="en"><![CDATA[commercial banking]]></kwd>
<kwd lng="en"><![CDATA[artificial neural networks]]></kwd>
</kwd-group>
</article-meta>
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