Desafíos de las políticas de inclusión financiera en el Perú

El objetivo de la investigación es identificar los principales determinantes de la inclusión financiera en el Perú a nivel departamental (sin Lima) de 2010 a 2017, con el fin de analizar los desafíos que enfrentan las políticas de inclusión financiera. Se usó un método GMM de dos etapas para estimar...

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Autores:
Boitano, Guillermo
Abanto-Aranda, Deyvi Franco
Tipo de recurso:
Article of investigation
Fecha de publicación:
2020
Institución:
Universidad Católica de Colombia
Repositorio:
RIUCaC - Repositorio U. Católica
Idioma:
eng
OAI Identifier:
oai:repository.ucatolica.edu.co:10983/29430
Acceso en línea:
https://hdl.handle.net/10983/29430
https://doi.org/10.14718/revfinanzpolitecon.v12.n1.2020.3177
Palabra clave:
Financial inclusion
Poverty
Financial education
Financial exclusion
Bank concentration
Inclusión financiera
Pobreza
Educación financiera
Exclusión financiera
Concentración bancaria
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openAccess
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dc.title.spa.fl_str_mv Desafíos de las políticas de inclusión financiera en el Perú
dc.title.translated.eng.fl_str_mv Challenges of financial inclusion policies in Peru
title Desafíos de las políticas de inclusión financiera en el Perú
spellingShingle Desafíos de las políticas de inclusión financiera en el Perú
Financial inclusion
Poverty
Financial education
Financial exclusion
Bank concentration
Inclusión financiera
Pobreza
Educación financiera
Exclusión financiera
Concentración bancaria
title_short Desafíos de las políticas de inclusión financiera en el Perú
title_full Desafíos de las políticas de inclusión financiera en el Perú
title_fullStr Desafíos de las políticas de inclusión financiera en el Perú
title_full_unstemmed Desafíos de las políticas de inclusión financiera en el Perú
title_sort Desafíos de las políticas de inclusión financiera en el Perú
dc.creator.fl_str_mv Boitano, Guillermo
Abanto-Aranda, Deyvi Franco
dc.contributor.author.spa.fl_str_mv Boitano, Guillermo
Abanto-Aranda, Deyvi Franco
dc.subject.eng.fl_str_mv Financial inclusion
Poverty
Financial education
Financial exclusion
Bank concentration
topic Financial inclusion
Poverty
Financial education
Financial exclusion
Bank concentration
Inclusión financiera
Pobreza
Educación financiera
Exclusión financiera
Concentración bancaria
dc.subject.spa.fl_str_mv Inclusión financiera
Pobreza
Educación financiera
Exclusión financiera
Concentración bancaria
description El objetivo de la investigación es identificar los principales determinantes de la inclusión financiera en el Perú a nivel departamental (sin Lima) de 2010 a 2017, con el fin de analizar los desafíos que enfrentan las políticas de inclusión financiera. Se usó un método GMM de dos etapas para estimar un modelo de datos de panel, donde la variable endógena es el índice de inclusión financiera de Sarma (2008). Los resultados indican que la concentración bancaria es la principal variable que afecta la inclusión financiera. Al mismo tiempo, aunque el efecto de la tecnología es positivo, está disminuyendo con el tiempo debido al despliegue ineficiente de dicha tecnología y, en muchos casos, a una falta de conocimiento de cómo usarla, especialmente en las zonas remotas del Perú.
publishDate 2020
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2023-01-23T16:15:52Z
dc.date.available.none.fl_str_mv 2020-01-01 00:00:00
2023-01-23T16:15:52Z
dc.date.issued.none.fl_str_mv 2020-01-01
dc.type.spa.fl_str_mv Artículo de revista
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dc.relation.references.eng.fl_str_mv Aduda, J., & Kalunda, E. (2012). Financial Inclusion and Financial Sector Stability with Reference to Kenya: A Review of Literature. Journal of Applied Finance & Banking, 2(6), 95-120.
Agarwal, A. (2010). Financial Deepening, Financial Inclusion: Challenges and Opportunities. The 23rd Skoch Summit.
Akileng, G., Lawino, G. M., & Nzibonera, E. (2018). Evaluation of determinants of financial inclusion in Uganda. Journal of Applied Finance and Banking, 8(4), 47-66. http://www.scienpress.com/Upload/JAFB%2FVol%208_4_4.pdf
Alfageme, A., & Ramírez-Rondán, N. (2016). Acceso a servicios financieros de los hogares en el Perú. Working Papers 2016-015. Lima: Banco Central de Reserva del Perú.
Allen, F., Demirguc-Kunt, A., Klapper, L., & Martinez, M. (2016). The foundations of financial inclusion: understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1-30.
Anzoategui, D., Demirgüç-Kunt, A., & Martínez, M. (2014). Remittances and Financial Inclusion: Evidence from El Salvador. World Development, 54(C), 338-349. https://doi.org/10.1016/j.worlddev.2013.10.006
Aparicio, C., & Huayta, K., (2015). Using electronic money through the mobile phone as the key instrument to improve financial inclusion in Peru: A set of recommendations to generate the desired outputs. DT/02, Lima: SBS.
Aparicio, C., Huayta, K., & Bohórquez, D. (2016). Access to Financial Services through Retail Agents and Household Expenditures: Evidence from Peru. Journal of Financial Issues SBS, 12(1), 1-26.
Ardic, O. P., Heimann, M., & Mylenko, N. (2011). Access to financial services and the financial inclusion agenda around the world: a cross-country analysis with a new data set. Policy Research working paper, WPS 5537. Washington, DC: World Bank.
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spelling Boitano, Guillermoa223c69c-aaef-478f-8a25-7fb4171c4eb0300Abanto-Aranda, Deyvi Franco222f899f-48d8-4bab-8203-b60f78fd67ee2020-01-01 00:00:002023-01-23T16:15:52Z2020-01-01 00:00:002023-01-23T16:15:52Z2020-01-01El objetivo de la investigación es identificar los principales determinantes de la inclusión financiera en el Perú a nivel departamental (sin Lima) de 2010 a 2017, con el fin de analizar los desafíos que enfrentan las políticas de inclusión financiera. Se usó un método GMM de dos etapas para estimar un modelo de datos de panel, donde la variable endógena es el índice de inclusión financiera de Sarma (2008). Los resultados indican que la concentración bancaria es la principal variable que afecta la inclusión financiera. Al mismo tiempo, aunque el efecto de la tecnología es positivo, está disminuyendo con el tiempo debido al despliegue ineficiente de dicha tecnología y, en muchos casos, a una falta de conocimiento de cómo usarla, especialmente en las zonas remotas del Perú.The purpose of the research is to identify the main determinants of financial inclusion in Peru at the department level (without Lima) from 2010 to 2017, aiming to analyze the challenges faced by financial inclusion policies. A twostage GMM method was used to estimate a panel data model where the endogenous variable is Sarma’s financial inclusion index (2008). The results indicate that bank concentration is the main variable affecting financial inclusion. At the same time, although the effect of technology is positive, it is diminishing over time due to the inefficient deployment of such technology and, in many cases, a lack of knowledge on how to use it, especially in the remote areas of Peru.application/pdftext/htmltext/xml10.14718/revfinanzpolitecon.v12.n1.2020.31772011-76632248-6046https://hdl.handle.net/10983/29430https://doi.org/10.14718/revfinanzpolitecon.v12.n1.2020.3177engUniversidad Católica de Colombiahttps://revfinypolecon.ucatolica.edu.co/article/download/3177/3416https://revfinypolecon.ucatolica.edu.co/article/download/3177/3510https://revfinypolecon.ucatolica.edu.co/article/download/3177/3552Núm. 1 , Año 202011718912Revista Finanzas y Política EconómicaAduda, J., & Kalunda, E. (2012). Financial Inclusion and Financial Sector Stability with Reference to Kenya: A Review of Literature. Journal of Applied Finance & Banking, 2(6), 95-120.Agarwal, A. (2010). Financial Deepening, Financial Inclusion: Challenges and Opportunities. The 23rd Skoch Summit.Akileng, G., Lawino, G. M., & Nzibonera, E. (2018). Evaluation of determinants of financial inclusion in Uganda. Journal of Applied Finance and Banking, 8(4), 47-66. http://www.scienpress.com/Upload/JAFB%2FVol%208_4_4.pdfAlfageme, A., & Ramírez-Rondán, N. (2016). Acceso a servicios financieros de los hogares en el Perú. Working Papers 2016-015. Lima: Banco Central de Reserva del Perú.Allen, F., Demirguc-Kunt, A., Klapper, L., & Martinez, M. (2016). The foundations of financial inclusion: understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1-30.Anzoategui, D., Demirgüç-Kunt, A., & Martínez, M. (2014). Remittances and Financial Inclusion: Evidence from El Salvador. World Development, 54(C), 338-349. https://doi.org/10.1016/j.worlddev.2013.10.006Aparicio, C., & Huayta, K., (2015). Using electronic money through the mobile phone as the key instrument to improve financial inclusion in Peru: A set of recommendations to generate the desired outputs. DT/02, Lima: SBS.Aparicio, C., Huayta, K., & Bohórquez, D. (2016). Access to Financial Services through Retail Agents and Household Expenditures: Evidence from Peru. Journal of Financial Issues SBS, 12(1), 1-26.Ardic, O. P., Heimann, M., & Mylenko, N. (2011). Access to financial services and the financial inclusion agenda around the world: a cross-country analysis with a new data set. Policy Research working paper, WPS 5537. Washington, DC: World Bank.Banco de Crédito del Perú (BCP). (2014). Reporte anual 2014. BCP: Lima. https://ww3.viabcp.com/Connect/ViaBCP%202017/Personas/Relaciones%20con%20Inversionistas/Informaci%C3%B3n%20financiera/Memoria%20BCP%202014.pdfBanerjee, A., & Newman, A. (1993). Occupational Choice and the Process of Development. 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(2016). An investigation into factors impacting financial exclusion at the bottom of the pyramid in South Africa. Development Southern Africa, 33(2), 1-12.World Bank. (2000). World Development Report 2000/2001: Attacking Poverty. Washington: Oxford University Press.World Bank. (2019). Financial Inclusion on the Rise, But Gaps Remain, Global Findex Database Shows. World Bank: Washington D. C. https://www.bancomundial.org/es/news/press-release/2018/04/19/financial-inclusion-on-the-rise-but-gaps-remain-global-findex-database-shows.info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2https://creativecommons.org/licenses/by-nc-sa/4.0/https://revfinypolecon.ucatolica.edu.co/article/view/3177Financial inclusionPovertyFinancial educationFinancial exclusionBank concentrationInclusión financieraPobrezaEducación financieraExclusión financieraConcentración bancariaDesafíos de las políticas de inclusión financiera en el PerúChallenges of financial inclusion policies in PeruArtículo de revistahttp://purl.org/coar/resource_type/c_2df8fbb1http://purl.org/coar/version/c_970fb48d4fbd8a85Textinfo:eu-repo/semantics/articleJournal articlehttp://purl.org/redcol/resource_type/ARTinfo:eu-repo/semantics/publishedVersionPublicationOREORE.xmltext/xml2580https://repository.ucatolica.edu.co/bitstreams/f0dc1f11-f2c2-458d-af60-e1dba8cbd3ea/downloadc3e2ecc913300cf43e67bbcf51f4db4bMD5110983/29430oai:repository.ucatolica.edu.co:10983/294302023-03-24 17:46:30.266https://creativecommons.org/licenses/by-nc-sa/4.0/https://repository.ucatolica.edu.coRepositorio Institucional Universidad Católica de Colombia - RIUCaCbdigital@metabiblioteca.com

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