<?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>2448-8402</journal-id>
<journal-title><![CDATA[Ensayos. Revista de economía]]></journal-title>
<abbrev-journal-title><![CDATA[Ens. Rev. econ.]]></abbrev-journal-title>
<issn>2448-8402</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma de Nuevo León, a través de la Facultad de Economía con la colaboración del Centro de Investigaciones Económicas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-84022021000100001</article-id>
<article-id pub-id-type="doi">10.29105/ensayos40.1-1</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[El impacto del crédito bancario sobre el desarrollo humano en México: un análisis de datos panel a nivel estatal, 2004-2016]]></article-title>
<article-title xml:lang="en"><![CDATA[The Impact of Bank Credit on Human Development in Mexico: A Data Analysis Panel at State Level, 2004-2016]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Méndez-Heras]]></surname>
<given-names><![CDATA[Lizethe Berenice]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Venegas-Martínez]]></surname>
<given-names><![CDATA[Francisco]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Linthon-Delgado]]></surname>
<given-names><![CDATA[Diego Emilio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma Metropolitana-Iztapalapa  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad de Guayaquil  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2021</year>
</pub-date>
<volume>40</volume>
<numero>1</numero>
<fpage>1</fpage>
<lpage>28</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-84022021000100001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-84022021000100001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-84022021000100001&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen  Objetivo:  Esta investigación examina la relación entre el crédito de la banca comercial y el desarrollo humano en México por Estado.  Metodología:  La metodología consiste en: 1) la construcción del Índice de Desarrollo Humano (IDH) en el nivel estatal de 2004 a 2016 (cada dos años); 2) la estimación de un modelo de variables instrumentales, utilizando MCO en dos etapas de datos panel; y 3) la estimación de un modelo dinámico de datos panel.  Resultados:  Ambos modelos sugieren que existe una relación estadísticamente significativa y positiva entre el crédito de la banca comercial y el IDH estatal en México.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract  Objective:  This research examines the relationship between commercial bank credit and human development in Mexico at the State level.  Methodology:  The methodology consists of 1) the construction of the Human Development Index (HDI) at the State level from 2004 to 2016 (every two years); 2) the estimation of a model of instrumental variables using OLS in two stages of panel data, and 3) the estimation of a dynamic panel data model.  Results:  Both models suggest a statistically significant and positive relationship between the credit of commercial banks and the States&#8217; HDI in Mexico.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Sistema financiero]]></kwd>
<kwd lng="es"><![CDATA[bancos]]></kwd>
<kwd lng="es"><![CDATA[desarrollo humano]]></kwd>
<kwd lng="es"><![CDATA[datos panel]]></kwd>
<kwd lng="es"><![CDATA[D53]]></kwd>
<kwd lng="es"><![CDATA[G10]]></kwd>
<kwd lng="es"><![CDATA[G21]]></kwd>
<kwd lng="es"><![CDATA[O15]]></kwd>
<kwd lng="es"><![CDATA[C23]]></kwd>
<kwd lng="en"><![CDATA[Financial system]]></kwd>
<kwd lng="en"><![CDATA[banks]]></kwd>
<kwd lng="en"><![CDATA[human development]]></kwd>
<kwd lng="en"><![CDATA[panel data]]></kwd>
<kwd lng="en"><![CDATA[D53]]></kwd>
<kwd lng="en"><![CDATA[G10]]></kwd>
<kwd lng="en"><![CDATA[G21]]></kwd>
<kwd lng="en"><![CDATA[O15]]></kwd>
<kwd lng="en"><![CDATA[C23]]></kwd>
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</article-meta>
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