Search

This article is an empirical analysis of determinants of bank accounts and credit cards possession. Traditional measures of determinants have identified only correlations between use of financial services and socio-economic variables, while this work also estimates the impact of wealth and human capital on bank account or credit card households possession, using characteristics household their parents as instrumental variables. It also shows that there is an important persistence effect of bank accounts and credit cards possession by parental household on the possession of such services by the next generation. [ABSTRACT FROM AUTHOR]

Micro-finances is one of the most dynamics fields in terms of the use of analytical tools, however the usage of agent-based models (ABM) has increased poorly during the last years. The study of household's financial services is an important area from the perspective of micro-finances, development economics or public economics, nonetheless, ABM have not been used widely while studying this field of study. This essay is a survey on ABM, it explores its advantages and why it's use is adequate while studying household's financial services. [ABSTRACT FROM AUTHOR]

This article is an empirical analysis of determinants of bank accounts and credit cards possession. Traditional measures of determinants have identified only correlations between use of financial services and socio-economic variables, while this work also estimates the impact of wealth and human capital on bank account or credit card households possession, using characteristics household their parents as instrumental variables. It also shows that there is an important persistence effect of bank accounts and credit cards possession by parental household on the possession of such services by the next generation. [ABSTRACT FROM AUTHOR]