Jaime Ruiz-Tagle and Francis Vella, "Borrowing Constraints and Credit Demand in a Developing Economy", Journal of Applied Econometrics, Vol. 31, No. 5, 2016, pp. 865-891. ::: DATA SOURCE ::: Chilean Survey of Consumer Finances 2007 of the Chilean Central Bank (Encuesta Financiera de Hogares 2007 del Banco Central de Chile). http://www.bcentral.cl/estadisticas-economicas/financiera-hogares/index.htm ::: DATA STRUCTURE ::: There are two files (rtv-data.txt; rtv-data.dta) which contain the same information on the the individual (and his corresponding household) included in the survey. rtv-data.dta is in Stata format, and rtv-data.txt is an ASCII file in DOS format. They are zipped in the files rtv-stata-data.zip and rtv-ascii-data.zip, respectively. Unix/Linux users should use "unzip -a" when unzipping rtv-ascii-data.zip. ::: NUMBER OF OBSERVATIONS ::: 3,817 (1 observation per line) ::: VARIABLE NAMES ::: (Same order as in the data file) N : Unconstrained =1 BA : Any Debt Holder =1 BM : Mortgage Debt Holder =1 BC : Consumer Debt Holder =1 AD : Any Debt (Total Debt) MD : Mortgage Debt CD : Consumer Debtln lnAD : ln(Any Debt) lnMD : ln(Mortgage debt) lnCD : ln(Consumer Debt) income : Annual Income assets : Total Assets realestate : Real Estate Assets nrassets : Non-Real Estate Assets age : Age educ : Years of Education gender : Gender (Male = 1) totper : Number of Persons in Household spouse : Spouse Present =1 totocup : Number of Employed Persons in Household unemp : Unemployed =1 employed: Employed =1 contract: Signed Job Contract=1 wearner : Wage Earner =1 selfemp : Self-Employed =1 areaincome : Area Income north : Northern Region =1 center : Center Region =1 south : Southern Region =1 metrop : Metropolitan Region =1 inhabbanks~g : Inhabitants over number of Banks by Region inhabbanks~n : Inhabitants over number of Banks by Municipality retail_reg : Number of Retail Stores by Region retail_mun : Number of Retail Stores by Municipality overpaying : Self Perception: Financial Service High =1 arrears1 : Had delayed payments in past 12 months arrears2 : Number of arrears in past 12 months arrears3 : Number of formal arrears in past 12 months arrears4 : Number of checks rejected to pay in past 12 months insurance : Number of insurances policies held by Household pensionfund : Amount of Pension Fund of Household Head currentacc : Current Account Owner =1 telebanking : Uses Telbanking = 1 dpension : Dummy Pension Fund (>0 =1) ::: VARIABLES STATS ::: Variable | Obs Mean Std. Dev. Min Max -------------+-------------------------------------------------------- N | 3817 .8289232 .3766254 0 1 BA | 3817 .6261462 .4838889 0 1 BM | 3817 .2085407 .4063185 0 1 BC | 3817 .5609117 .4963409 0 1 AD | 3817 5.532371 13.42713 0 151.8005 MD | 3817 3.579228 11.34323 0 145.3005 -------------+-------------------------------------------------------- CD | 3817 1.953144 5.75396 0 89.5 lnAD | 2390 .5612278 2.063282 -6.789972 5.022567 lnMD | 796 1.769238 2.015112 -6.907755 4.978804 lnCD | 2141 -.0726744 1.747034 -4.828314 4.494239 income | 3817 32.01829 55.99582 0 773.94 -------------+-------------------------------------------------------- assets | 3817 100.6724 243.6887 0 8224 realestate | 3817 85.06861 218.4473 0 8200 nrassets | 3817 15.60379 72.23377 0 1600 age | 3817 50.10715 15.21455 18 94 educ | 3817 12.07702 4.950683 0 24 -------------+-------------------------------------------------------- gender | 3817 .6159287 .4864386 0 1 totper | 3817 3.526854 1.693765 1 15 spouse | 3817 .6465811 .478094 0 1 totocup | 3817 1.559602 1.004796 0 6 unemp | 3817 .018863 .1360589 0 1 -------------+-------------------------------------------------------- employed | 3817 .7665706 .4230686 0 1 contract | 3817 .4676447 .4990174 0 1 wearner | 3817 .500393 .5000654 0 1 selfemp | 3817 .1789363 .3833492 0 1 areaincome | 3817 35.91852 22.86034 9.480461 94.84692 -------------+-------------------------------------------------------- north | 3817 .073618 .2611825 0 1 center | 3817 .2287136 .4200595 0 1 south | 3817 .0812156 .2732017 0 1 metrop | 3817 .6164527 .4863134 0 1 inhabbanks~g | 3817 2138.419 494.6809 1014.071 3227.909 -------------+-------------------------------------------------------- inhabbanks~n | 3817 3755.251 3222.873 263.7778 18940 retail_reg | 3817 86.80954 47.7543 6 124 retail_mun | 3817 5.214304 6.245642 0 32 overpaying | 3817 .2879225 .4528541 0 1 arrears1 | 3817 .1742206 .3793488 0 1 -------------+-------------------------------------------------------- arrears2 | 3817 .5234477 1.828478 0 15 arrears3 | 3817 .4493057 2.328411 0 99 arrears4 | 3817 .1359707 1.005544 0 20 insurance | 3817 .7521614 1.239161 0 7 pensionfund | 3817 15.74366 29.30285 0 198 -------------+-------------------------------------------------------- currentacc | 3817 .3591826 .4798237 0 1 telebanking | 3817 .2748232 .4464836 0 1 dpension | 3817 .5580299 .4966862 0 1