Life Cycle-Permanent Income Hypothesis

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Determinants of consumer credit within a debt constrained framework. Evidence from microdata
Publicación | Thursday the 5th of November, 2015
Determinants of consumer credit are estimated by using information from a Credit Union located in Medellín-Colombia. To the best of our knowledge, this is the first investigation using this kind of data in Colombia. We find that life cycle-permanent income hypothesis (LC-PIH) related variables…