M. Teresa Sanchez Martinez

M. Teresa Sanchez Martinez
University of Granada | UGR · Departamento de Economía Aplicada

PhD Economics

About

36
Publications
6,959
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201
Citations
Citations since 2017
3 Research Items
123 Citations
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2017201820192020202120222023051015202530
2017201820192020202120222023051015202530

Publications

Publications (36)
Article
Spain has traditionally shown one of the lowest levels of participation in the rented market within the housing system in Europe. Several authors have argued that housing policies oriented toward facilitating housing access have not paid enough attention to the development of the sector, except for decreasing its regulation. During the last decade,...
Article
Full-text available
The global economic and financial crisis has hit the Spanish economy hard, creating an unstable framework for employment and growth. Since 2007, housing markets have been deeply affected by the crisis. The private rented market has exhibited two specific consequences: on the one hand, the bursting of the real estate bubble has inhibited profit gain...
Article
Full-text available
Since the 1950s Spain has developed a set of policies aimed at stimulating ownership through subsidies, mainly in the form of interest rates or mortgage quotas to developers and households, while neglecting other forms of housing provision, such as social rental housing. That system provided a one-off benefit to the developer and/or the purchaser a...
Article
El mercado inmobiliario español se caracteriza por tener un sistema desequilibrado de tenencia a favor de la propiedad, en detrimento del mercado de alquiler, y en especial del alquiler social, totalmente descuidado y residualizado. La crisis económica y financiera mundial ha afectado muy negativamente a la economía española, creando un marco inest...
Article
Full-text available
Purpose This paper aims to study the financial vulnerability of the Spanish households derived from their primary residence mortgage debt payments. This paper shown as the economic and financial crisis triggered after the burst of the housing bubble brought an unemployment shock and a fall in the disposable family income, which alarmingly aggravate...
Article
The direct effect that an exogenous shock like the global financial crisis (GFC) had on the border between one form of tenure and another is particularly interesting in countries were owner-occupancy predominates. Right before the GFC, Spain was experiencing a major housing price bubble, allowing great expectations on housing equity gains together...
Article
This paper proposes the Ramsey pricing methodology as a useful tool for water managers. As a case study, first we propose an alternative calculation of the annual depreciation charge for the investment in water infrastructure to that currently made by public administration, and then we apply the Ramsey contribution to the calculation of the price o...
Chapter
A new focus on private renting has been brought into sharp relief by the global financial crisis, with its profound impact on mortgage finance, housing markets and government budgets. Written by specially commissioned international experts and structured around common themes, this timely book explores the nature and role of private renting in eight...
Article
This paper uses a simple model of third-degree price discrimination assuming two independent linear demands and discusses the effects of price discrimination on monopoly profit, consumer surplus, and social welfare.
Article
Full-text available
At the beginning of the 20th century, Spain introduced a pioneering system of water management by river basins, which was later endorsed by the EU Water Framework Directive. Recently, for a variety of political and administrative reasons, a number of fierce territorial disputes and debates have arisen that challenge the validity of this system. Cha...
Chapter
La igualdad en el acceso a una vivienda digna es uno de los derechos contemplados en prácticamente todas las constituciones de los países desarrollados. El incumplimiento de este derecho implica un problema de desigualdad social que afecta de forma especial a todos aquellos colectivos más vulnerables de la sociedad. En España el problema de la vivi...
Article
The trajectory of the Spanish housing policy has shaped the current housing system and it shows its non-neutrality in its effects on tenure or on the redistribution of wealth. In Spain, the usual scheme of housing intervention is far from those policies implemented by its European neighbours, possibly due to a different conceptualization regarding...
Article
The participation of Spain in the European Higher Education Area (EHEA) involves a number of important challenges for academics. Adapting to an educational model characterized by competence-based teaching is a difficult task, yet it is of paramount importance in the context of current reforms. In an educational system in which the traditional lectu...
Article
Full-text available
RESUMEN: España instauró un modelo de gestión de agua por cuencas hidrográficas a principios del siglo XX. Esta experiencia, pionera en el mundo, fue reafirmada por la Directiva marco del agua (DMA). Actualmente, por motivos político-administrativos, se están produciendo fuertes tensiones y debates territoriales que cuestionan este modelo. Asimis...
Article
Full-text available
Expansionist policies in irrigation in Andalusia have led to an intensive use of water, which has depleted rivers and aquifers and led to high added costs in terms of hidden subsidies for irrigation farming. Water scarcity has become an increasing social and economic worry for those responsible for regulating water policies and has created problems...
Chapter
The aim of this chapter is two-fold: first, it will provide a broad picture of the situation in Europe, covering not only structural facts of the market but also typologies of regulation and, secondly, using this as a framework, it will go in depth in the peculiarities of the Spanish case. Regulations on the rented sector in Spain have proved to co...
Chapter
The aim of this chapter is to describe the transformation of Spanish society in the recent past, with a focus on the increase in social inequality, the changing role of women, and the shift in housing policies from ‘bricks and mortar’ general subsidies to more focused and targeted help for certain groups. Simultaneously, we will describe lines of p...
Article
Full-text available
Finance linked to construction and the housing industry has been the most dynamic element of credits and loans granted by Spanish financial institutions. In fact, 60 per cent of the credit granted to the private sector residents is related to the activity in the real estate sector. The rise in the interest rate during the last two years, the over-v...
Article
Full-text available
La escasez creciente del agua, no debida exclusivamente a causas cli-máticas, exige que este recurso sea gestionado con criterios socioe-conómicos cuando es utilizado en actividades de este carácter. En esta circunstancia se inscribe una actividad económica de gran tradi-ción en Andalucía, como es el regadío, un sector estratégico para su desarroll...
Chapter
El aumento desorbitado de los precios de suelo en las grandes ciudades y la escasez de suelo residencial, ha obligado a los demandantes de viviendas a alejarse de estos principales núcleos urbanos en busca de mayor cantidad de metros y mejor precio hacía localidades circundantes, siendo el factor distancia–centro en términos de tiempo la única limi...
Article
Full-text available
Mutuals are institutions belonging to the Social Economy sector. They are private associations that form part of Complementary Social Welfare Systems, and they are well established in the European Community. In Spain, since they were included in the Law on Private Insurance of 1984, they no longer have a special status and are now considered insura...
Book
Raíces históricas del Mutualismo, Europa y España : un proceso paralelo -- Mutualidades de previsión social : entidades propias de la economía social -- Las mutualidades de previsión social en el sistema europeo de la previsión social complementaria -- Previsión social complementaria y mutualismo en España -- Participación de las mutualidades en el...
Article
Full-text available
The housing market in Spain has been subject to substantial upheavals over the past two decades. House prices have risen sharply, making it extremely difficult for large sectors of the population to have access to housing. This study has been carried out from the standpoint of the objective of equity that all housing policy should pursue in order t...
Article
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This paper analyses the evolution of the leading market social economy organisations in Spain since the Constitution of 1978. The first part concerns a study of co-operatives and workers societies; the second refers to mutual societies. An analysis of the institutional framework, this sector's quantitative evolution, the responses to changes in the...
Book
Este estudio se centrará, dentro de los objetivos sociales que debe perseguir la política de vivienda, en la componente redistributiva, tratando de establecer, si a partir de la intervención sobre la vivienda se produce una compensación de las desigualdades, en términos de renta disponible.
Article
El artículo analiza la evolución de los créditos con garantía hipotecaria en los últimos veinte años de funcionamiento del mercado hipotecario, período en el que ha pasado de ser un mercado estrecho y poco flexible a ser un mercado de oferta muy competitivo y con un potente ritmo de expansión, sobre todo desde mediados de los noventa, en los que la...
Article
Full-text available
El estudio realizado se enmarca dentro del objetivo de equidad que debe perseguir la política de vivienda. Se analizará si la intervención sobre el mercado de la vivienda, a través de las distintas partidas presupuestarias destinadas produce una compensación de las desigualdades, en términos de renta disponible. Se tratará de analizar si el gasto s...

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