Analysis of credit card use among the population under 30 years of age in Cúcuta
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Credit Card, Payments, Interest
Problem: Credit cards are a means of payment that allows purchases, which can be paid later (a week, a month later, a year later, etc.) are called “credit” because when you pay any merchandise with it, The granting bank is granting the loan, which must be paid according to the price chosen according to the terms negotiated with the entity. The problem lies mainly in the use that is
developed in this type of mechanisms by the under 30s in the city of Cúcuta. Objective: To analyze the use of credit cards in the population under 30 years of age in the city of Cúcuta. Methodology: The approach is quantitative according to Tamayo (2007), consists of the contrast of existing
theories from a series of hypotheses arising from it, being necessary to obtain a sample, either in a random or discriminated, But representative of a population or phenomenon under study. Conclusion: Regarding the advantages and disadvantages of the use of credit cards, it is pertinent to note that, as favorable consequences, the solution to a problema that can be presented in any situation of daily life, where in some cases the cash and you can turn to the credit card for an early solution.
Arbeláez, M. (2006). Mercado De Tarjetas En Colombia Y El Debate Sobre La Tarifa De Intercambio. Recuperado De: Http://Www.Urf.Gov.Co/Portal/ Page/Portal/Urf/Publicaciones/2006/8_ Tarjetas%2bdocumento% 2bfinal%2bjunio%2b1%2b2006.Pdf. Ausubel, L.
(1991). El Fracaso De La Competencia En El Mercado De Tarjetas De Crédito. The American Economic Review, 1, 50-81. Banca Fácil.
(2016). ¿Qué Tipos De Créditos Existen? Recuperado De: Http://Www.Bancafacil.Cl/Bancafacil/ Servlet/Contenido?Indice=1.2&Idpublicacion= 3000000000000029&Idcategoria=5 Banco De Occidente.
(2016). Crédito Hipotecario. Recuperado De: Https://Www.Bancode Occidente. Com.Co/Wps/Portal/Banco-Occidente/Web/Financiacion- Vivienda/Credito Hipotecario/Caracteristicas-Beneficios Brito, D. Y Hartley, P.
(1995). Racionalidad Del Consumidor Y Tarjetas De Crédito. Journal Of Political Economy, 2, 400-433. Grafica 2: Uso de Tarjeta de Crédito. Sí No Grafica 3: Tasa de Interés Mensual. Sí No 109 Castro Puche, L. Y Diz Garcés, V.
(2014). Determinantes Del Mercado De Tarjetas De Crédito En Colombia (2002 – 2012). Recuperado De: Http://190.242.62.234:8080/Jspui/Bitstream/11227/813/1/Determinantes%20del%20mercado% 20de%20tarjetas%20de%20cr%C3%A9dito.Pdf Colpatria, B. (S.F.).
Maneja Tus Finanzas. Recuperado De: Http://Www.Manejatusfinanzas.Com/Elcr%C3%A9dito/Tarjetasdecr%C3%89dito/C%C3%93mofuncionaunatarjetadecr%C3%89dito/ Tabid/155/Language/Es-Co/Default.Aspx Concepto. De.
(2016). Crédito Bancario. Recuperado De: Http://Concepto.De/Credito-Bancario/# Ixzz4mihazun2 Davis, E.
(1995). La Fragilidad Financiera De La Deuda Y El Riesgo Sistémico. Oxford: Clarendon Press. Dcc
(2015). Artículos Sobre Crédito. Recuperado De: Www.Debtcounselingcorp.Org/Espanol/Articulos.Html. González, M. Y León, J.
(2007). Análisis Del Endeudamiento De Los Hogares Colombianos. Recuperado De: Http://Www.Banrep.Gov.Co/Docum/ Ftp/Borra452.Pdf grupo Bancolombia.
(2016). Tipos De Créditos. Recuperado De: Http://Www.Grupobancolombia. Com/Wps/Portal/Personas/Aprender-Es-Facil/Como- Manejar-Dinero/Endeudamiento Responsable/ Tipos-Credito/ Mester, L. Y Paul, C.
(1995). El Comportamiento Del Consumidor Y De La Viscosidad De Las Tasas De Interés D Tarjetas De Crédito. The American Economic Review, 5, 1327-1336.
Problem: Credit cards are a means of payment that allows purchases, which can be paid later (a week, a month later, a year later, etc.) are called “credit” because when you pay any merchandise with it, The granting bank is granting the loan, which must be paid according to the price chosen according to the terms negotiated with the entity. The problem lies mainly in the use that is
developed in this type of mechanisms by the under 30s in the city of Cúcuta. Objective: To analyze the use of credit cards in the population under 30 years of age in the city of Cúcuta. Methodology: The approach is quantitative according to Tamayo (2007), consists of the contrast of existing
theories from a series of hypotheses arising from it, being necessary to obtain a sample, either in a random or discriminated, But representative of a population or phenomenon under study. Conclusion: Regarding the advantages and disadvantages of the use of credit cards, it is pertinent to note that, as favorable consequences, the solution to a problema that can be presented in any situation of daily life, where in some cases the cash and you can turn to the credit card for an early solution.
Arbeláez, M. (2006). Mercado De Tarjetas En Colombia Y El Debate Sobre La Tarifa De Intercambio. Recuperado De: Http://Www.Urf.Gov.Co/Portal/ Page/Portal/Urf/Publicaciones/2006/8_ Tarjetas%2bdocumento% 2bfinal%2bjunio%2b1%2b2006.Pdf. Ausubel, L.
(1991). El Fracaso De La Competencia En El Mercado De Tarjetas De Crédito. The American Economic Review, 1, 50-81. Banca Fácil.
(2016). ¿Qué Tipos De Créditos Existen? Recuperado De: Http://Www.Bancafacil.Cl/Bancafacil/ Servlet/Contenido?Indice=1.2&Idpublicacion= 3000000000000029&Idcategoria=5 Banco De Occidente.
(2016). Crédito Hipotecario. Recuperado De: Https://Www.Bancode Occidente. Com.Co/Wps/Portal/Banco-Occidente/Web/Financiacion- Vivienda/Credito Hipotecario/Caracteristicas-Beneficios Brito, D. Y Hartley, P.
(1995). Racionalidad Del Consumidor Y Tarjetas De Crédito. Journal Of Political Economy, 2, 400-433. Grafica 2: Uso de Tarjeta de Crédito. Sí No Grafica 3: Tasa de Interés Mensual. Sí No 109 Castro Puche, L. Y Diz Garcés, V.
(2014). Determinantes Del Mercado De Tarjetas De Crédito En Colombia (2002 – 2012). Recuperado De: Http://190.242.62.234:8080/Jspui/Bitstream/11227/813/1/Determinantes%20del%20mercado% 20de%20tarjetas%20de%20cr%C3%A9dito.Pdf Colpatria, B. (S.F.).
Maneja Tus Finanzas. Recuperado De: Http://Www.Manejatusfinanzas.Com/Elcr%C3%A9dito/Tarjetasdecr%C3%89dito/C%C3%93mofuncionaunatarjetadecr%C3%89dito/ Tabid/155/Language/Es-Co/Default.Aspx Concepto. De.
(2016). Crédito Bancario. Recuperado De: Http://Concepto.De/Credito-Bancario/# Ixzz4mihazun2 Davis, E.
(1995). La Fragilidad Financiera De La Deuda Y El Riesgo Sistémico. Oxford: Clarendon Press. Dcc
(2015). Artículos Sobre Crédito. Recuperado De: Www.Debtcounselingcorp.Org/Espanol/Articulos.Html. González, M. Y León, J.
(2007). Análisis Del Endeudamiento De Los Hogares Colombianos. Recuperado De: Http://Www.Banrep.Gov.Co/Docum/ Ftp/Borra452.Pdf grupo Bancolombia.
(2016). Tipos De Créditos. Recuperado De: Http://Www.Grupobancolombia. Com/Wps/Portal/Personas/Aprender-Es-Facil/Como- Manejar-Dinero/Endeudamiento Responsable/ Tipos-Credito/ Mester, L. Y Paul, C.
(1995). El Comportamiento Del Consumidor Y De La Viscosidad De Las Tasas De Interés D Tarjetas De Crédito. The American Economic Review, 5, 1327-1336.
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