<?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>0186-1042</journal-id>
<journal-title><![CDATA[Contaduría y administración]]></journal-title>
<abbrev-journal-title><![CDATA[Contad. Adm]]></abbrev-journal-title>
<issn>0186-1042</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Facultad de Contaduría y Administración]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0186-10422024000400107</article-id>
<article-id pub-id-type="doi">10.22201/fca.24488410e.2024.5164</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Determinantes del uso de crédito de los hogares mexicanos: un análisis simultáneo por tipo de instrumento]]></article-title>
<article-title xml:lang="en"><![CDATA[Determinants of Mexican households&#8217; credit use; A simultaneous analysis by type of instrument]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vega Hernández]]></surname>
<given-names><![CDATA[José Ignacio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Moreno Treviño]]></surname>
<given-names><![CDATA[Jorge Omar]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Farfán-Pérez]]></surname>
<given-names><![CDATA[Lianet]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma de Nuevo León  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<volume>69</volume>
<numero>4</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0186-10422024000400107&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0186-10422024000400107&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0186-10422024000400107&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este artículo identifica los factores que explican el uso simultáneo de los instrumentos de deuda que utilizan los hogares mexicanos, considerando la distorsión provocada por la heterogeneidad en la distribución de ingresos y la potencial correlación en el uso de distintos instrumentos. Se emplea la Encuesta Nacional de Finanzas de los Hogares mediante un enfoque de ecuaciones simultáneas basadas en modelos Probit multivariados por tipo de crédito, siendo una metodología novedosa para la literatura y la contribución principal del trabajo. Los resultados muestran que hogares con mayor ingreso eligen el crédito formal, especialmente tarjetas de crédito. Además, quintiles de ingreso medio emplean tarjetas departamentales y crédito informal. Finalmente, los de ingresos bajos también optan por el crédito informal. En conclusión, este estudio es relevante para entender la correlación existente en la utilización del crédito de los hogares y así fomentar la inclusión financiera a través de instrumentos de deuda]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper identifies the factors that explain Mexican households' simultaneous use of debt instruments, considering the distortion caused by heterogeneity in income distribution and the potential correlation in using different instruments. The National Survey of Household Finances is used through a simultaneous equations system approach based on multivariate Probit models by type of credit, being a novel methodology for the literature and the research's main contribution. The results show that higher-income households choose formal credit, especially credit cards. In addition, middle-income quintiles use departmental cards and informal credit. Finally, low-income households also use informal credit. In conclusion, this study is relevant to understanding the existing correlation in the use of household credit and thus promotes the joint financial inclusion of debt instruments.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[portafolio de deuda de hogares]]></kwd>
<kwd lng="es"><![CDATA[determinantes]]></kwd>
<kwd lng="es"><![CDATA[sistemas de ecuaciones probit multivariado]]></kwd>
<kwd lng="es"><![CDATA[México]]></kwd>
<kwd lng="en"><![CDATA[household debt portfolio]]></kwd>
<kwd lng="en"><![CDATA[determinants]]></kwd>
<kwd lng="en"><![CDATA[multivariate probit]]></kwd>
<kwd lng="en"><![CDATA[Mexico]]></kwd>
</kwd-group>
</article-meta>
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