Factors that matter for financial inclusionevidence from Peru

  1. Noelia Cámara Izquierdo
  2. David Tuesta
Revista:
Aestimatio: The IEB International Journal of Finance

ISSN: 2173-0164

Año de publicación: 2015

Número: 10

Páginas: 10-31

Tipo: Artículo

DOI: 10.5605/IEB.10.1 DIALNET GOOGLE SCHOLAR lock_openDialnet editor

Otras publicaciones en: Aestimatio: The IEB International Journal of Finance

Resumen

Este estudio analiza, con un enfoque cuantitativo, los factores que determinan la inclusión financiera en Perú a partir de microdatos de encuestas. Se utilizan correlaciones significativas para identificar aquellos factores socioeconómicos que pueden afectar a la inclusión financiera (o exclusión) de los hogares y las empresas. Se divide la información en cuatro niveles: individuos, hogares, municipios y regiones. Los resultados muestran que los grupos tradicionalmente más vulnerables (mujeres, individuos que viven en zonas rurales y los jóvenes) son menos propensos a utilizar el sistema financiero formal. Los préstamos y las hipotecas parecen impulsar más la inclusión financiera que los productos de ahorro. Para las empresas, la formalidad y la educación sobresalen como factores significativos para la inclusión financiera. El acceso al sistema financiero formal parece ser un problema para las familias, pero no para las empresas. Además, los hogares se ven más afectados por diferencias regionales

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