RT Journal Article T1 An analysis of the most significant factors in the contracting of different financial products by families in Spain A1 Llorent Jurado, Julián A1 Ordaz Sanz, José Antonio A1 Melgar Hiraldo, Mª Carmen A1 Guerrero Casas, Flor María K1 Financial entities K1 Collective Investment K1 Discriminant Analysis K1 Logistic regression AB In December 2017, the savings of Spanish families in financial assets amounted to 262,847 million in investment funds, 111,076 million euros in pension funds and 4,199 million euros in life insurance premiums. The relevance of these data suggests approaching the study of the most determining factors that affect the decision by family units in Spain when contracting these financial products. Some multivariate analysis techniques can be very useful in this regard, together with data from the Bank of Spain’s Household Financial Survey. PB Atena Editora YR 2023 FD 2023 LK https://hdl.handle.net/10433/24359 UL https://hdl.handle.net/10433/24359 LA en NO Scientific Journal of Applied Social and Clinical Science, vol 3, n. 26, 2023 NO Departamento de Economía, Métodos Cuantitativos e Historia Económica DS RIO RD May 24, 2026