Determinantes del ahorro privado en el Perú, período 2004 – 2020
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Date
2023
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Publisher
Universidad Nacional de Trujillo
Abstract
La presente investigación tiene como objetivo identificar los principales determinantes del ahorro privado en el Perú durante el período 2004 – 2020. De esta manera, tomando como base la revisión teórica y sus antecedentes; se postula como hipótesis de investigación que el ahorro privado en el Perú se explica, principalmente, por el ingreso disponible, la tasa de interés pasiva, los impuestos, la tasa de dependencia, el acceso a crédito y la inflación. Para su desarrollo, se utilizó información trimestral extraída desde el Banco Central de Reserva del Perú (BCRP) y la Encuesta Nacional de Hogares (ENAHO). Posteriormente, se realizó una estimación econométrica lineal por mínimos cuadrados, en donde los resultados indicaron que el ingreso disponible, el acceso a crédito y la tasa de interés pasiva influyen positivamente; por otro lado, la tasa de dependencia, la inflación y los impuestos influyen negativamente en el ahorro privado. Como conclusiones del estudio, se revela que existe evidencia a favor de la hipótesis planteada y se corrobora que los determinantes considerados son relevantes para explicar el ahorro privado en el Perú.
ABSTRACT: The objective of this research is to identify the main determinants of private savings in Peru, during the period 2004 – 2020. In this way, based on the theorical review and its antecedents, the research hypothesis is that private savings in Peru is mainly explained by disposable income, interest rate, taxes, dependency ratio, access to credit and inflation. For its development, it used quarterly data extracted from the Central Reserve Bank of Peru (BCRP) and the National Household Survey (ENAHO). Then, it was estimated a linear econometric estimation by least squares, where the results indicated that disposable income, access to credit and the passive interest rate have a positive influence; on the other hand, the dependency ratio, inflation and taxes have a negative influence on private savings. As conclusions of the study, it is revealed that there is evidence in favor of the hypothesis, corroborating that the determinants considered are relevant to explain private savings in Peru.
ABSTRACT: The objective of this research is to identify the main determinants of private savings in Peru, during the period 2004 – 2020. In this way, based on the theorical review and its antecedents, the research hypothesis is that private savings in Peru is mainly explained by disposable income, interest rate, taxes, dependency ratio, access to credit and inflation. For its development, it used quarterly data extracted from the Central Reserve Bank of Peru (BCRP) and the National Household Survey (ENAHO). Then, it was estimated a linear econometric estimation by least squares, where the results indicated that disposable income, access to credit and the passive interest rate have a positive influence; on the other hand, the dependency ratio, inflation and taxes have a negative influence on private savings. As conclusions of the study, it is revealed that there is evidence in favor of the hypothesis, corroborating that the determinants considered are relevant to explain private savings in Peru.
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Keywords
Ahorro privado, Ingreso disponible, Determinantes