Resumo

CRUZ LEON, Adriana Helena; TREJO GARCIA, José Carlos  e  RIOS BOLIVAR, Humberto. Development of A Logit Model to Examine the Behavior of Savings in the Central Region of Mexico, According to the Profile of Households. Rev. mex. econ. finanz [online]. 2019, vol.14, n.1, pp.57-77. ISSN 2448-6795.  https://doi.org/10.21919/remef.v14i1.359.

The objective of this research is to examine the behavior of savings in households in the Central Region of Mexico (SEDATU, 2015) considering their socioeconomic profile. Household profiles are proposed (Cruz, 2017) using decision trees and the probability of saving is calculated (ENIGH, 2014) with a logit model. In the results of the model, it was found that the variables are significant and the probability of the saving level of the households is determined. Unlike the LCH (Modigliani, 1963), it is recommended to identify income and expenditure profiles with a segmentation of the population beyond the age groups of the head of the family. In certain age groups, it can be seen that those with less education have a higher proportion of households with the possibility of saving; this behavior is limited to a subsequent investigation to study the effect of other variables. The framing of the regional environment contributes to analyzing with a higher level of specificity the saving behavior, according to the household profile. Finally, it is shown that, with the proposed variables, the probability of saving at home increases.

Palavras-chave : Saving; Behavior; Decision; Personal Finance; E21; D1; C44; D14.