La utilización de tarjetas de crédito como factor determinante del endeudamiento de los hogares en Tungurahua

The research carried out seeks to analyze the influence of the possession of credit cards on the indebtedness of households in Tungurahua, for which purpose it is also intended to estimate the presence of credit card use in the province and determine the indebtedness situation incurred by citizens. It is also about relating the use of credit cards and the indebtedness of households in the province, to establish causal relationships between the variables. The variables analyzed in the present investigation were: the age of the head of household, his condition of poverty, gender, number of household members, employment status, level of education of the head of household, household income, his level of expenditure and the tendency to own a credit card. A Logit Binomial regression analysis and a study of the proportion of correctly predicted cases of the model were carried out, with which its representativeness was estimated with respect to the total number of observations analyzed, which will give a notion of the level of adjustment presented by the specification. The existence of a relationship between the use of credit cards and the debt conditions of households in the province of Tungurahua was determined, thus confirming the research hypothesis