UN ESTUDIO EMPÍRICO SOBRE EL HÁBITO DE CONSUMO MEDIANTE EL USO DE TARJETA DE CRÉDITO EN JÓVENES UNIVERSITARIOS / AN EMPIRICAL STUDY ON THE HABIT OF CONSUMPTION THROUGH THE USE OF CREDIT CARD IN UNIVERSITY STUDENTS

Alejandra Contreras-Rodríguez, Arturo García-Santillán, Ileana Karen Juárez-Sosa, Elisama García-Vega

Abstract


El propósito del estudio se centra en conocer de qué manera están utilizando su tarjeta de crédito los jóvenes, esto a partir de una serie de recomendaciones que ha sugerido CONDUSEF. Además, se busca saber si cuentan con la información necesaria para utilizar de manera responsable sus créditos, debido a que la información recaudada en los trabajos realizados por  Solano et al. (2015), donde se identifican los “Determinantes del uso de tarjetas de crédito en México”, nos hace cuestionar el papel que tiene la educación financiera o la falta de ésta en la población joven de México. Así, para comprobar lo antes cuestionado se realizan pruebas reales, por medio de encuestas a la población joven de la Zona Conurbada Veracruz- Boca del Río.

The purpose of the study is to find out how young people are using their credit card, based on a series of recommendations suggested by CONDUSEF. In addition, it seeks to know if they have the necessary information to use their credits in a responsible way, because the information collected in the works carried out by Solano et al. (2015), where "Determinants of the use of credit cards in Mexico" are identified, makes us question the role of financial education or the lack of it in the young population of Mexico. Thus, in order to verify the previously questioned, real tests were carried out, through surveys to the young population of the Veracruz-Boca del Río Conurbation Zone.

 

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Keywords


hábito de consumo, tarjeta de crédito, jóvenes universitarios / habits of consumption, credit card, university students

References


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