Instrumentos financieros claves para la inclusión financiera en América Latina

El objetivo del presente trabajo es analizar la inclusión financiera en siete países de América Latina. En específico, se pretende detectar los instrumentos financieros más utilizados y los principales determinantes que afectan su uso. Para ello, se examinan los microdatos de la base Global Findex d...

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Autores:: Martinez, Lisana Belen
Guercio, María Belén
Orazi, Sofía
Vigier, Hernán

Tipo de recurso:: Article of investigation

Fecha de publicación:: 2022

Institución:: Universidad Católica de Colombia

Repositorio:: RIUCaC - Repositorio U. Católica

Idioma:: spa

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dc.title.spa.fl_str_mv	Instrumentos financieros claves para la inclusión financiera en América Latina
dc.title.translated.eng.fl_str_mv	Key Financial Instruments for the Financial Inclusion in Latin America
title	Instrumentos financieros claves para la inclusión financiera en América Latina
spellingShingle	Instrumentos financieros claves para la inclusión financiera en América Latina financial inclusion Latin America financial instruments econometrics economic conditions financial resources money América Latina inclusión financiera instrumentos financieros análisis econométrico condiciones económicas recursos financieros dinero
title_short	Instrumentos financieros claves para la inclusión financiera en América Latina
title_full	Instrumentos financieros claves para la inclusión financiera en América Latina
title_fullStr	Instrumentos financieros claves para la inclusión financiera en América Latina
title_full_unstemmed	Instrumentos financieros claves para la inclusión financiera en América Latina
title_sort	Instrumentos financieros claves para la inclusión financiera en América Latina
dc.creator.fl_str_mv	Martinez, Lisana Belen Guercio, María Belén Orazi, Sofía Vigier, Hernán
dc.contributor.author.spa.fl_str_mv	Martinez, Lisana Belen Guercio, María Belén Orazi, Sofía Vigier, Hernán
dc.subject.eng.fl_str_mv	financial inclusion Latin America financial instruments econometrics economic conditions financial resources money
topic	financial inclusion Latin America financial instruments econometrics economic conditions financial resources money América Latina inclusión financiera instrumentos financieros análisis econométrico condiciones económicas recursos financieros dinero
dc.subject.spa.fl_str_mv	América Latina inclusión financiera instrumentos financieros análisis econométrico condiciones económicas recursos financieros dinero
description	El objetivo del presente trabajo es analizar la inclusión financiera en siete países de América Latina. En específico, se pretende detectar los instrumentos financieros más utilizados y los principales determinantes que afectan su uso. Para ello, se examinan los microdatos de la base Global Findex del año 2017 y se aplican modelos econométricos multivariantes. Los resultados confirman que el instrumento más usado por los individuos son las cuentas financieras en instituciones formales, especialmente en Brasil y Chile, seguido por el uso de las tarjetas de crédito en Uruguay y Venezuela. Entre las características socioeconómicas de los individuos, se encuentra que aquellas personas de género masculino, de mayor edad, con educación terciaria y mayores niveles de ingresos son quienes muestran mayores probabilidades de estar incluidos financieramente.
publishDate	2022
dc.date.accessioned.none.fl_str_mv	2022-02-26 00:00:00 2023-01-23T16:16:10Z
dc.date.available.none.fl_str_mv	2022-02-26 00:00:00 2023-01-23T16:16:10Z
dc.date.issued.none.fl_str_mv	2022-02-26
dc.type.spa.fl_str_mv	Artículo de revista
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dc.relation.citationedition.spa.fl_str_mv	Núm. 1 , Año 2022 : Vol. 14 Núm. 1 (2022)
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dc.relation.references.spa.fl_str_mv	Allen, F., Demirguc-Kunt, A., Klapper, L., y Martínez Peria, M. S. (2016). The foundations of financial inclusion: Understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1-30. https://doi.org/10.1016/j.jfi.2015.12.003 Anaya-Narváez, A. R. y Romero-Álvarez, Y. P. (2018). La inclusión financiera en Sincelejo (Colombia). Un modelo econométrico probit. Ecos de Economía, 22(46), 91-110. https://doi.org/10.17230/ecos.2018.46.4 Bekerman, M. y Rikap, C. (2012). Heterogeneidad estructural y microemprendimientos pobres en la Argentina. Problemas del Desarrollo, 43(169), 121-144. https://doi.org/10.22201/iiec.20078951e.2012.169.30762 Boitano, G. y Aranda, D. F. A. (2020). Challenges of financial inclusion policies in Peru. Revista Finanzas y Política Económica, 12(1), 89-117. https://doi.org/10.14718/revfinanzpolitecon.v12.n1.2020.3177 Bruhn M. y Love I. (2014). The Real Impact of Improved Access to Finance: Evidence from Mexico. The Journal of Finance, 69(3), 1347-1376. https://doi.org/10.1111/jofi.12091 Cabeza-García, L., Del Brio, E. B. y Oscanoa-Victorio, M. L. (2019). Female financial inclusion and its impacts on inclusive economic development. Women's Studies International Forum, 77, 102-300. https://doi.org/10.1016/j.wsif.2019.102300 Camara, N. y Tuesta, D. (2017). DiGiX: The Digitization Index. BBVA Research Working Paper 17/03. https://www.bbvaresearch.com/publicaciones/digix-the-digitization-index/ Čihák, M., Demirgüç-Kunt, A., Feyen, E. y Levine, R. (2012). Benchmarking Financial Systems around the World. World Bank Policy Research Working Paper, 6175, 1-56. https://doi.org/10.1596/1813-9450-6175 Collins, D., Morduch, J., Rutherford, S. y Ruthven, O. (2009). Portfolios of the Poor: How the World's Poor Live on $2 a Day. Princeton University Press. Cumming, D., Johan, S. y Zhang, M. (2014). The economic impact of entrepreneurship: comparing international datasets. Corporate Governance: An International Review, 22(2), 162-178. https://doi.org/10.1111/corg.12058 Dabla-Norris E., Deng Y., Ivanova A., Karpowicz I., Unsal F., Van Leemput E. y Wong J. (2015). Financial Inclusion: Zooming in on Latin America, IMF Working Paper WP/15/206. Fondo Monetario Internacional (FMI), 1-35. https://doi.org/10.5089/9781513568928.001 De Olloqui, F., Andrade, G. y Herrera, D. (2015). Inclusión financiera en América Latina y el Caribe. Coyuntura actual y desafíos para los próximos años. Banco Interamericano para el Desarrollo. https://doi.org/10.18235/0000030 Demirguc-Kunt, A., Klapper, L. y Singer, D. (2017). Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence. Policy Research Working Paper, 8040, 1-27. https://doi.org/10.1596/1813-9450-8040 Demirguc-Kunt, A., Klapper L., Singer D. y Van Oudheusden P. (2015). The Global Findex Database 2014: Measuring Financial Inclusion around the World. Policy Research Working Paper, n.o 7255, 1-97. https://doi.org/10.1596/1813-9450-7255 Demirgüc-Kunt, A. y Klapper, L. (2013). Measuring financial inclusion: Explaining variation in use of financial services across and within countries. Brookings Papers on Economic Activity, 279-340. https://doi.org/10.1353/eca.2013.0002 Dupas, P. y Robinson, J. (2013). Savings constraints and microenterprise development: Evidence from a field experiment in Kenya. American Economic Journal: Applied Economics, 5(1), 163-192. https://doi.org/10.1257/app.5.1.163 Fadi Hassan S. (2018). How individual's characteristics influence financial inclusion: evidence from MENAP. International Journal of Islamic and Middle Eastern Finance and Management, 11(4), 553-574. https://doi.org/10.1108/IMEFM-06-2017-0153 Fungáčová Z. y Weill L. (2015). Understanding financial inclusion in China. China Economic Review, 34, 196-206. https://doi.org/10.1016/j.chieco.2014.12.004 Ghosh S. y Vinod D. (2017). What Constrains Financial Inclusion for Women? Evidence from Indian Micro data. World Development, 92, 60-81. https://doi.org/10.1016/j.worlddev.2016.11.011 Gortsos, C. (2016). Financial Inclusion: Services of General Economic Interest in the Banking Sector and Citizen's Rights. European Review of Public Law, 28(1), 209-220. Han, R. y Melecky, M. (2013). Financial inclusion for financial stability: access to bank deposits and the growth of deposits in the global financial crisis. Policy Research Working Paper, 6577, World Bank, Washington, DC. https://doi.org/10.1596/1813-9450-6577 Jones, P.A. (2008). From tackling poverty to achieving financial inclusion-The changing role of British credit unions in low income communities. Journal of Socio-Economics, 37(6), 2141-2154. https://doi.org/10.1016/j.socec.2007.12.001 Kaboski J. P. y Townsend R. M. (2011). A Structural Evaluation of a Large‐Scale Quasi Experimental Microfinance Initiative. Econométrica, 79(5), 1357-1406. https://doi.org/10.3982/ECTA7079 Letenah Ejigu Wale D. M. (2017). Account ownership and use of financial services among individuals Evidence from selected Sub-Saharan African economies. African Journal of Economic and Management Studies, 8(1), 19-35. https://doi.org/10.1108/AJEMS-03-2017-146 Long, J.S. y Freese, J. (2001). Regression Models for Categorical Dependent Variables Using Stata, Texas, Stata Press Publication. Martínez Pería, M. S. (2014). Capítulo 2: Financial Inclusion in Latin America and the Caribbean. En Didier and Schmukler, Emerging Issues in Financial Development (pp. 91-127), Washington: The World Bank. https://doi.org/10.1596/978-0-8213-9828-9_ch2 Martinez, L. B., Scherger, V., Guercio, M. B. y Orazi, S. (2020). Evolution of financial inclusion in Latin America. Academia Revista Latinoamericana de Administración, 33(2), 261-276. https://doi.org/10.1108/ARLA-12-2018-0287 Neaime, S. y Gaysset, I. (2018). Financial inclusion and stability in MENA: Evidence from poverty and inequality. Finance Research Letters, 24, 230-237. https://doi.org/10.1016/j.frl.2017.09.007 Orazi, S., Martínez, L. B., Vigier, H. y Guercio, M. B. (2020) A regional Kohonen map of financial inclusion and related macroeconomic variables. Economic Computation & Economic Cybernetics Studies & Research, 54(3), 179-195. https://doi.org/10.24818/18423264/54.3.20.11 Park, C. Y. y Mercado, R. (2015). Financial inclusion, poverty, and income inequality in developing Asia. Asian Development Bank Economics Working Paper Series, 426. https://ssrn.com/abstract=2558936 Roa, M.J. (2013). Inclusión Financiera en América Latina y el Caribe: Acceso, uso y calidad, Boletín del CEMLA, 59(3), 121-149. https://www.cemla.org/PDF/boletin/PUB_BOL_LIX03.pdf Singh N. (2017). Financial Inclusion: Concepts, Issues and Policies for India. Synthesis paper of International Growth Center, reference number: I-35406-INC-1. https://doi.org/10.2139/ssrn.3039156 Vighneswara, S. (2014): Financial Inclusion, Gender Dimension, and Economic Impact on Poor Households. World Development, 56, 1-15. https://doi.org/10.1016/j.worlddev.2013.10.019 Wale, L. E. y Makina, D. (2017). Account ownership and use of financial services among individuals. African Journal of Economic and Management Studies. Management, 8(1), 19-35. https://doi.org/10.1108/AJEMS-03-2017-146 Wang X. y Guan J. (2017). Financial inclusion: measurement, spatial effects and influencing factors. Applied Economics, 49(18), 1751-1762. https://doi.org/10.1080/00036846.2016.1226488 World Bank Group, (2014). Global Financial Development Report 2014: Financial Inclusion. Washington: World Bank. https://doi.org/10.1596/9780821399859 Zins A. y Weill l. (2016). The determinants of financial inclusion in Africa. Review of Development Finance, 6, 46-57. https://doi.org/10.1016/j.rdf.2016.05.001
dc.rights.spa.fl_str_mv	Lisana Belen Martinez - 2022
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spelling	Martinez, Lisana Belene01c5f46-f3da-407d-ac89-e4681e19635e300Guercio, María Belén14d40ed8-7a5c-44b6-98fa-b6cbe7846325300Orazi, Sofíaa5365a2d-b00e-466a-acc6-888df297af30300Vigier, Hernán935031b0-6989-4551-9a58-e26a7ace7c863002022-02-26 00:00:002023-01-23T16:16:10Z2022-02-26 00:00:002023-01-23T16:16:10Z2022-02-26El objetivo del presente trabajo es analizar la inclusión financiera en siete países de América Latina. En específico, se pretende detectar los instrumentos financieros más utilizados y los principales determinantes que afectan su uso. Para ello, se examinan los microdatos de la base Global Findex del año 2017 y se aplican modelos econométricos multivariantes. Los resultados confirman que el instrumento más usado por los individuos son las cuentas financieras en instituciones formales, especialmente en Brasil y Chile, seguido por el uso de las tarjetas de crédito en Uruguay y Venezuela. Entre las características socioeconómicas de los individuos, se encuentra que aquellas personas de género masculino, de mayor edad, con educación terciaria y mayores niveles de ingresos son quienes muestran mayores probabilidades de estar incluidos financieramente. The objective of this paper is to analyze financial inclusion in seven Latin American countries. Specifically, it aims to detect the most used financial instruments and the main determinants that affect their use. For this purpose, we use micro data from the Global Findex for 2017 and apply multivariate econometric models. The results confirm that the instrument most used by individuals are financial accounts in formal institutions, especially in Brazil and Chile, followed by the use of credit cards in Uruguay and Venezuela. Among the socio-economic characteristics of individuals, we find that males persons, older, with tertiary education and higher income levels are more likely to be financially included. text/htmlapplication/pdftext/xml10.14718/revfinanzpolitecon.v14.n1.2022.22011-76632248-6046https://hdl.handle.net/10983/29452https://doi.org/10.14718/revfinanzpolitecon.v14.n1.2022.2spaUniversidad Católica de Colombiahttps://revfinypolecon.ucatolica.edu.co/article/download/3769/4216https://revfinypolecon.ucatolica.edu.co/article/download/3769/4051https://revfinypolecon.ucatolica.edu.co/article/download/3769/4228Núm. 1 , Año 2022 : Vol. 14 Núm. 1 (2022)4711714Revista Finanzas y Política EconómicaAllen, F., Demirguc-Kunt, A., Klapper, L., y Martínez Peria, M. S. (2016). The foundations of financial inclusion: Understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1-30. https://doi.org/10.1016/j.jfi.2015.12.003Anaya-Narváez, A. R. y Romero-Álvarez, Y. P. (2018). La inclusión financiera en Sincelejo (Colombia). Un modelo econométrico probit. Ecos de Economía, 22(46), 91-110. https://doi.org/10.17230/ecos.2018.46.4Bekerman, M. y Rikap, C. (2012). Heterogeneidad estructural y microemprendimientos pobres en la Argentina. Problemas del Desarrollo, 43(169), 121-144. https://doi.org/10.22201/iiec.20078951e.2012.169.30762Boitano, G. y Aranda, D. F. A. (2020). Challenges of financial inclusion policies in Peru. Revista Finanzas y Política Económica, 12(1), 89-117. https://doi.org/10.14718/revfinanzpolitecon.v12.n1.2020.3177Bruhn M. y Love I. (2014). The Real Impact of Improved Access to Finance: Evidence from Mexico. The Journal of Finance, 69(3), 1347-1376. https://doi.org/10.1111/jofi.12091Cabeza-García, L., Del Brio, E. B. y Oscanoa-Victorio, M. L. (2019). Female financial inclusion and its impacts on inclusive economic development. Women's Studies International Forum, 77, 102-300. https://doi.org/10.1016/j.wsif.2019.102300Camara, N. y Tuesta, D. (2017). DiGiX: The Digitization Index. BBVA Research Working Paper 17/03. https://www.bbvaresearch.com/publicaciones/digix-the-digitization-index/Čihák, M., Demirgüç-Kunt, A., Feyen, E. y Levine, R. (2012). Benchmarking Financial Systems around the World. World Bank Policy Research Working Paper, 6175, 1-56. https://doi.org/10.1596/1813-9450-6175Collins, D., Morduch, J., Rutherford, S. y Ruthven, O. (2009). Portfolios of the Poor: How the World's Poor Live on $2 a Day. Princeton University Press.Cumming, D., Johan, S. y Zhang, M. (2014). The economic impact of entrepreneurship: comparing international datasets. Corporate Governance: An International Review, 22(2), 162-178. https://doi.org/10.1111/corg.12058Dabla-Norris E., Deng Y., Ivanova A., Karpowicz I., Unsal F., Van Leemput E. y Wong J. (2015). Financial Inclusion: Zooming in on Latin America, IMF Working Paper WP/15/206. Fondo Monetario Internacional (FMI), 1-35. https://doi.org/10.5089/9781513568928.001De Olloqui, F., Andrade, G. y Herrera, D. (2015). Inclusión financiera en América Latina y el Caribe. Coyuntura actual y desafíos para los próximos años. Banco Interamericano para el Desarrollo. https://doi.org/10.18235/0000030Demirguc-Kunt, A., Klapper, L. y Singer, D. (2017). Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence. Policy Research Working Paper, 8040, 1-27. https://doi.org/10.1596/1813-9450-8040Demirguc-Kunt, A., Klapper L., Singer D. y Van Oudheusden P. (2015). The Global Findex Database 2014: Measuring Financial Inclusion around the World. Policy Research Working Paper, n.o 7255, 1-97. https://doi.org/10.1596/1813-9450-7255Demirgüc-Kunt, A. y Klapper, L. (2013). Measuring financial inclusion: Explaining variation in use of financial services across and within countries. Brookings Papers on Economic Activity, 279-340. https://doi.org/10.1353/eca.2013.0002Dupas, P. y Robinson, J. (2013). Savings constraints and microenterprise development: Evidence from a field experiment in Kenya. American Economic Journal: Applied Economics, 5(1), 163-192. https://doi.org/10.1257/app.5.1.163Fadi Hassan S. (2018). How individual's characteristics influence financial inclusion: evidence from MENAP. International Journal of Islamic and Middle Eastern Finance and Management, 11(4), 553-574. https://doi.org/10.1108/IMEFM-06-2017-0153Fungáčová Z. y Weill L. (2015). Understanding financial inclusion in China. China Economic Review, 34, 196-206. https://doi.org/10.1016/j.chieco.2014.12.004Ghosh S. y Vinod D. (2017). What Constrains Financial Inclusion for Women? Evidence from Indian Micro data. World Development, 92, 60-81. https://doi.org/10.1016/j.worlddev.2016.11.011Gortsos, C. (2016). Financial Inclusion: Services of General Economic Interest in the Banking Sector and Citizen's Rights. European Review of Public Law, 28(1), 209-220.Han, R. y Melecky, M. (2013). Financial inclusion for financial stability: access to bank deposits and the growth of deposits in the global financial crisis. Policy Research Working Paper, 6577, World Bank, Washington, DC. https://doi.org/10.1596/1813-9450-6577Jones, P.A. (2008). From tackling poverty to achieving financial inclusion-The changing role of British credit unions in low income communities. Journal of Socio-Economics, 37(6), 2141-2154. https://doi.org/10.1016/j.socec.2007.12.001Kaboski J. P. y Townsend R. M. (2011). A Structural Evaluation of a Large‐Scale Quasi Experimental Microfinance Initiative. Econométrica, 79(5), 1357-1406. https://doi.org/10.3982/ECTA7079Letenah Ejigu Wale D. M. (2017). Account ownership and use of financial services among individuals Evidence from selected Sub-Saharan African economies. African Journal of Economic and Management Studies, 8(1), 19-35. https://doi.org/10.1108/AJEMS-03-2017-146Long, J.S. y Freese, J. (2001). Regression Models for Categorical Dependent Variables Using Stata, Texas, Stata Press Publication.Martínez Pería, M. S. (2014). Capítulo 2: Financial Inclusion in Latin America and the Caribbean. En Didier and Schmukler, Emerging Issues in Financial Development (pp. 91-127), Washington: The World Bank. https://doi.org/10.1596/978-0-8213-9828-9_ch2Martinez, L. B., Scherger, V., Guercio, M. B. y Orazi, S. (2020). Evolution of financial inclusion in Latin America. Academia Revista Latinoamericana de Administración, 33(2), 261-276. https://doi.org/10.1108/ARLA-12-2018-0287Neaime, S. y Gaysset, I. (2018). Financial inclusion and stability in MENA: Evidence from poverty and inequality. Finance Research Letters, 24, 230-237. https://doi.org/10.1016/j.frl.2017.09.007Orazi, S., Martínez, L. B., Vigier, H. y Guercio, M. B. (2020) A regional Kohonen map of financial inclusion and related macroeconomic variables. Economic Computation & Economic Cybernetics Studies & Research, 54(3), 179-195. https://doi.org/10.24818/18423264/54.3.20.11Park, C. Y. y Mercado, R. (2015). Financial inclusion, poverty, and income inequality in developing Asia. Asian Development Bank Economics Working Paper Series, 426. https://ssrn.com/abstract=2558936Roa, M.J. (2013). Inclusión Financiera en América Latina y el Caribe: Acceso, uso y calidad, Boletín del CEMLA, 59(3), 121-149. https://www.cemla.org/PDF/boletin/PUB_BOL_LIX03.pdfSingh N. (2017). Financial Inclusion: Concepts, Issues and Policies for India. Synthesis paper of International Growth Center, reference number: I-35406-INC-1. https://doi.org/10.2139/ssrn.3039156Vighneswara, S. (2014): Financial Inclusion, Gender Dimension, and Economic Impact on Poor Households. World Development, 56, 1-15. https://doi.org/10.1016/j.worlddev.2013.10.019Wale, L. E. y Makina, D. (2017). Account ownership and use of financial services among individuals. African Journal of Economic and Management Studies. Management, 8(1), 19-35. https://doi.org/10.1108/AJEMS-03-2017-146Wang X. y Guan J. (2017). Financial inclusion: measurement, spatial effects and influencing factors. Applied Economics, 49(18), 1751-1762. https://doi.org/10.1080/00036846.2016.1226488World Bank Group, (2014). Global Financial Development Report 2014: Financial Inclusion. Washington: World Bank. https://doi.org/10.1596/9780821399859Zins A. y Weill l. (2016). The determinants of financial inclusion in Africa. Review of Development Finance, 6, 46-57. https://doi.org/10.1016/j.rdf.2016.05.001Lisana Belen Martinez - 2022info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial-CompartirIgual 4.0.https://creativecommons.org/licenses/by-nc-sa/4.0https://revfinypolecon.ucatolica.edu.co/article/view/3769financial inclusionLatin Americafinancial instrumentseconometricseconomic conditionsfinancial resourcesmoneyAmérica Latinainclusión financierainstrumentos financierosanálisis econométricocondiciones económicasrecursos financierosdineroInstrumentos financieros claves para la inclusión financiera en América LatinaKey Financial Instruments for the Financial Inclusion in Latin AmericaArtículo 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/xml2703https://repository.ucatolica.edu.co/bitstreams/82074b43-e656-4757-a4be-dd9344eadbdf/download3d973e2726ecf6683dd3317b67a5f3e1MD5110983/29452oai:repository.ucatolica.edu.co:10983/294522023-03-24 15:51:44.125https://creativecommons.org/licenses/by-nc-sa/4.0Lisana Belen Martinez - 2022https://repository.ucatolica.edu.coRepositorio Institucional Universidad Católica de Colombia - RIUCaCbdigital@metabiblioteca.com

Instrumentos financieros claves para la inclusión financiera en América Latina

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