<?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>2448-6655</journal-id>
<journal-title><![CDATA[Análisis económico]]></journal-title>
<abbrev-journal-title><![CDATA[Anál. econ.]]></abbrev-journal-title>
<issn>2448-6655</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, Unidad Azcapotzalco, División de Ciencias Sociales y Humanidades]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-66552022000100043</article-id>
<article-id pub-id-type="doi">10.24275/uam/azc/dcsh/ae/2022v37n94/ceballos</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Fuentes de crédito y financiamiento del consumo de los hogares mexicanos en 2020]]></article-title>
<article-title xml:lang="en"><![CDATA[Credit services to finance the consumption of Mexican households 2020]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ceballos Mina]]></surname>
<given-names><![CDATA[Owen Eli]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma Metropolitana Departamento de Economía ]]></institution>
<addr-line><![CDATA[Azcapotzalco ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2022</year>
</pub-date>
<volume>37</volume>
<numero>94</numero>
<fpage>43</fpage>
<lpage>62</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-66552022000100043&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-66552022000100043&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-66552022000100043&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La literatura sobre el desarrollo financiero regularmente sugiere que el acceso a servicios de crédito incrementa el bienestar de los más necesitados. Este artículo analiza los efectos del acceso a crédito sobre la estructura de consumo de los hogares mexicanos. Se usa información de la encuesta de ingresos y gastos (ENIGH) 2020, para estimar modelos de la tenencia de tarjetas de crédito y préstamos bancarios en la explicación de cinco rubros de consumo; se validan los resultados usando Propensity Score Matching. Se encuentran efectos diferenciados de las dos fuentes de crédito sobre la estructura de consumo: las tarjetas de crédito impulsan el consumo agregado por medio del gasto en salud, en bienes durables y en otros bienes no durables; los préstamos, que son un instrumento recurrido por hogares con menor nivel socioeconómico, poseen pocos efectos positivos. El análisis evidencia que estas fuentes de crédito suavizan el consumo, pero no contribuyen a la reducción de brechas entre los hogares del país.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Financial development claims that credit services represent an opportunity to improve the welfare of the poor. We analyze the effects of credit access on household consumption structure using data from the income and expenditure survey ENIGH-2020. We estimate five expenditure items models by instrumental variables of credit cards and bank loans to explain consumption. The effects are validated using Propensity Score Matching models. Results show that there are differentiated effects of the two sources of credit on the structure of consumption. Credit cards drive the increase on aggregate consumption through spending on health, durable goods, and other non-durable goods. Loans used by households with a lower socioeconomic level have few positive effects on expenditure items. Credit services smooth consumption, but do not contribute to the reduction of gaps in Mexico.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[crédito]]></kwd>
<kwd lng="es"><![CDATA[consumo]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[hogares]]></kwd>
<kwd lng="es"><![CDATA[C21]]></kwd>
<kwd lng="es"><![CDATA[D12]]></kwd>
<kwd lng="es"><![CDATA[D14]]></kwd>
<kwd lng="es"><![CDATA[G20]]></kwd>
<kwd lng="en"><![CDATA[Credit]]></kwd>
<kwd lng="en"><![CDATA[Consumption]]></kwd>
<kwd lng="en"><![CDATA[Financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[Households]]></kwd>
<kwd lng="en"><![CDATA[C21]]></kwd>
<kwd lng="en"><![CDATA[D12]]></kwd>
<kwd lng="en"><![CDATA[D14]]></kwd>
<kwd lng="en"><![CDATA[G20]]></kwd>
</kwd-group>
</article-meta>
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