Coronavirus (Covid-19) Information

Sergio Castellanos-Gamboa



Candidate for the Ph.D. in Banking and Finance at Bangor University, UK. M.Sc. in Economics of the University of the Andes, Bogota, Colombia. B.Sc. in Economics with complementary studies in Finance of the University of the Andes, Bogota, Colombia. Experience as a research assistant and teacher assistant in Macroeconomics, Economic History, Microeconomics and Financial Econometrics. Interest to actively participate in investigations in consumer finance, economic history and macroeconomics.

Research Interests

Consumer Finance, Economic History, Financial Macroeconomics

Current Research

The aim of the project is to study the origins, development and effects of consumer credit on British households and the British economy. The analysis begins with the events that lead to the promulgation of the Consumer Credit Act of 1974. Additionally, I will use data from the British Household Panel Survey to analyse the effects of consumer credit on household welfare. I will address the question of how the increase of over-indebtedness and the reduction of saving rates affected UK households’ welfare during the financial crisis. Finally the project aims to research the response of the British authorities to the financial crisis, focusing especially on the issue of how consumer credit was handled. Specifically I will analyse to what extent the outstanding level of household consumer debt has conditioned the response to the financial crisis by the policy makers.


Spanish and English


Professor Bernardo Bátiz-Lázo
Professor Santiago Carbó-Valverde

Academic Qualifications

  • MSc Economics – University of the Andes, Bogota, Colombia
  • BSc Economics – University of the Andes, Bogota, Colombia