Relación entre inclusión financiera y pobreza monetaria en Colombia
ilustraciones, diagramas
- Autores:
-
García Prieto, Álvaro Andrés
- Tipo de recurso:
- Fecha de publicación:
- 2024
- Institución:
- Universidad Nacional de Colombia
- Repositorio:
- Universidad Nacional de Colombia
- Idioma:
- spa
- OAI Identifier:
- oai:repositorio.unal.edu.co:unal/86124
- Palabra clave:
- 330 - Economía::332 - Economía financiera
D14 Household Saving • Personal Finance
D18 Consumer Protection
G28 Government Policy and Regulation
I32 Measurement and Analysis of Poverty
Alivio de la pobreza
Exclusión social
Problema social
Poverty alleviation
Social exclusion
Social problems
- Rights
- openAccess
- License
- Atribución-NoComercial 4.0 Internacional
| id |
UNACIONAL2_d420087ac7333e0311dd224deafe6c1b |
|---|---|
| oai_identifier_str |
oai:repositorio.unal.edu.co:unal/86124 |
| network_acronym_str |
UNACIONAL2 |
| network_name_str |
Universidad Nacional de Colombia |
| repository_id_str |
|
| dc.title.spa.fl_str_mv |
Relación entre inclusión financiera y pobreza monetaria en Colombia |
| dc.title.translated.eng.fl_str_mv |
Relationship between financial inclusion and monetary poverty in Colombia |
| title |
Relación entre inclusión financiera y pobreza monetaria en Colombia |
| spellingShingle |
Relación entre inclusión financiera y pobreza monetaria en Colombia 330 - Economía::332 - Economía financiera D14 Household Saving • Personal Finance D18 Consumer Protection G28 Government Policy and Regulation I32 Measurement and Analysis of Poverty Alivio de la pobreza Exclusión social Problema social Poverty alleviation Social exclusion Social problems |
| title_short |
Relación entre inclusión financiera y pobreza monetaria en Colombia |
| title_full |
Relación entre inclusión financiera y pobreza monetaria en Colombia |
| title_fullStr |
Relación entre inclusión financiera y pobreza monetaria en Colombia |
| title_full_unstemmed |
Relación entre inclusión financiera y pobreza monetaria en Colombia |
| title_sort |
Relación entre inclusión financiera y pobreza monetaria en Colombia |
| dc.creator.fl_str_mv |
García Prieto, Álvaro Andrés |
| dc.contributor.advisor.spa.fl_str_mv |
Ruiz Martinez, Carlos Alberto |
| dc.contributor.author.spa.fl_str_mv |
García Prieto, Álvaro Andrés |
| dc.subject.ddc.spa.fl_str_mv |
330 - Economía::332 - Economía financiera |
| topic |
330 - Economía::332 - Economía financiera D14 Household Saving • Personal Finance D18 Consumer Protection G28 Government Policy and Regulation I32 Measurement and Analysis of Poverty Alivio de la pobreza Exclusión social Problema social Poverty alleviation Social exclusion Social problems |
| dc.subject.proposal.eng.fl_str_mv |
D14 Household Saving • Personal Finance D18 Consumer Protection G28 Government Policy and Regulation I32 Measurement and Analysis of Poverty |
| dc.subject.unesco.spa.fl_str_mv |
Alivio de la pobreza Exclusión social Problema social |
| dc.subject.unesco.eng.fl_str_mv |
Poverty alleviation Social exclusion Social problems |
| description |
ilustraciones, diagramas |
| publishDate |
2024 |
| dc.date.accessioned.none.fl_str_mv |
2024-05-20T19:18:07Z |
| dc.date.available.none.fl_str_mv |
2024-05-20T19:18:07Z |
| dc.date.issued.none.fl_str_mv |
2024-04-26 |
| dc.type.spa.fl_str_mv |
Trabajo de grado - Maestría |
| dc.type.driver.spa.fl_str_mv |
info:eu-repo/semantics/masterThesis |
| dc.type.version.spa.fl_str_mv |
info:eu-repo/semantics/acceptedVersion |
| dc.type.content.spa.fl_str_mv |
Text |
| dc.type.redcol.spa.fl_str_mv |
http://purl.org/redcol/resource_type/TM |
| status_str |
acceptedVersion |
| dc.identifier.uri.none.fl_str_mv |
https://repositorio.unal.edu.co/handle/unal/86124 |
| dc.identifier.instname.spa.fl_str_mv |
Universidad Nacional de Colombia |
| dc.identifier.reponame.spa.fl_str_mv |
Repositorio Institucional Universidad Nacional de Colombia |
| dc.identifier.repourl.spa.fl_str_mv |
https://repositorio.unal.edu.co/ |
| url |
https://repositorio.unal.edu.co/handle/unal/86124 https://repositorio.unal.edu.co/ |
| identifier_str_mv |
Universidad Nacional de Colombia Repositorio Institucional Universidad Nacional de Colombia |
| dc.language.iso.spa.fl_str_mv |
spa |
| language |
spa |
| dc.relation.references.spa.fl_str_mv |
Asobancaria. (2019). Dinámica reciente de los corresponsales bancarios en Colombia [PDF]. https://www.asobancaria.com/wp-content/uploads/1197.pdf Anaya, A., Buelvas, J., & Romero, Y. (2020). Pobreza e inclusión financiera en el municipio de Montería, Colombia. Revista De Ciencias Sociales, 26(1), 144-160. https://doi.org/10.31876/rcs.v26i1.31315 Asuming, P. O., Osei-Agyei, L. G., & Mohammed, J. I. (2019). Financial inclusion in sub-Saharan Africa: Recent trends and determinants. Journal of African Business, 20(1), 112–134. Avellaneda, S. (2017). Inclusión financiera como mecanismo para la reducción de la pobreza en Colombia. https://repositorio.uniandes.edu.co/server/api/core/bitstreams/48f38b8e-7b16-42dd-a1e7-f311a78cabfa/content Baltagi, B., and P. X. Wu. (1999). Unequally spaced panel data regressions with AR(1) disturbances. Econometric Theory 15: 814–823. Baltagi, B. (2005) Econometric Analysis of Panel Data. 3rd Edition, John Wiley & Sons Inc., Nueva York, Estados Unidos Banco Mundial. (2023, 12 de julio). Inclusión financiera [sitio web]. https://www.bancomundial.org/es/topic/financialinclusion/overview Banerjee, A. V., & Duflo, E. (2007). The Economic Lives of the Poor. The Journal of Economic Perspectives, 21(1), 141–168. http://www.jstor.org/stable/30033705 Beck, T., Demirguc-Kunt, A., & Levine, R. (2004). Finance, inequality, and poverty: Cross-country evidence. Chibba, M. (2009). Financial Inclusion, Poverty Reduction, and the Millennium Development Goals. Chu Khanh, Lan, Determinants of Financial Inclusions: Comparing High, Middle, and Low-Income Countries (March 10, 2019). Available at SSRN: https://ssrn.com/abstract=3349933 or http://dx.doi.org/10.2139/ssrn.3349933 DANE. (2022). Presentación de la Gran Encuesta Integrada de Hogares 2022 [PDF]. https://www.dane.gov.co/files/operaciones/PM/pres-PM-2022.pdf Demirguc-Kunt, Asli; Klapper, Leora; Singer, Dorothe; Singer, Dorothe. 2017. Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence. Policy Research Working Paper;No. 8040. © World Bank, Washington, DC. http://hdl.handle.net/10986/26479 Diliuvienė, Laura & Tamasauskiene, Zita. (2021). Impact of Financialization on Income Inequality in Aspect of Welfare. Socialiniai tyrimai. 44. 170-187. 10.15388/Soctyr.44.2.11. Driss Tsouli, 2022. "Financial Inclusion, Poverty, and Income Inequality: Evidence from High, Middle, and Low-income Countries," Scientific Annals of Economics and Business (continues Analele Stiintifice), Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 69(1), pages 69-98, March. European Journal of Development Research, 21, 213-230. Ghosh, Saibal & Vinod, D., 2017. "What Constrains Financial Inclusion for Women? Evidence from Indian Micro data," World Development, Elsevier, vol. 92(C), pages 60-81. Levine, R. (1997). Financial Development and Economic Growth: Views and Agenda. Journal of Economic Literature, 35(2), 688–726. http://www.jstor.org/stable/2729790 Md Abdullah Omar & Kazuo Inaba, 2020. "Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis," Journal of Economic Structures, Springer;Pan-Pacific Association of Input-Output Studies (PAPAIOS), vol. 9(1), pages 1-25, December. Mona, D., Restrepo, J. (2021). Impacto de la inclusión financiera en los indicadores de pobreza y desiguadad de ingresos en los departamentos de Colombia. http://hdl.handle.net/10784/29994 Neaime, Simon & Gaysset, Isabelle, 2018. "Financial inclusion and stability in MENA: Evidence from poverty and inequality," Finance Research Letters, Elsevier, vol. 24(C), pages 230-237. Omar, M.A., Inaba, K. Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis. Economic Structures 9, 37 (2020). https://doi.org/10.1186/s40008-020-00214-4 Panagariya, A. (2006). Bank Branch Expansion and Poverty Reduction: A Comment. Park, Cyn-Young & Mercado, Jr, Rogelio. (2015). Financial Inclusion, Poverty, and Income Inequality in Developing Asia. SSRN Electronic Journal. 10.2139/ssrn.2558936. Pérez, E., & Titelman, D. (2018). La inclusión financiera para la inserción productiva y el papel de la banca de desarrollo. Santiago: Naciones Unidad. Ratnawati, Kusuma. (2020). The Impact of Financial Inclusion on Economic Growth, Poverty, Income Inequality, and Financial Stability in Asia. The Journal of Asian Finance, Economics and Business. 7. 73-85. 10.13106/jafeb.2020.vol7.no10.073. Roldán, L. (2018). Análisis de incidencia de la inclusión financiera en la pobreza monetaria de las personas residentes en los hogares de la zona urbana de Bogotá, DC - Colombia, período comprendido entre 2010 y 2016 (Tesis de maestría). Universidad de Antioquia, Medellín, Colombia. Saha, S., & Qin, J. (2023). Financial inclusion and poverty alleviation: an empirical examination. Economic Change and Restructuring, Springer, vol. 56(1), pages 409-440, February. DOI: 10.1007/s10644-022-09428-x Sen, A. (1999). Development as freedom. Oxford: Oxford University Press. Introduction Tuesta, David & Cámara, Noelia & Urbiola, Pablo. (2015). Extending access to the formal financial system: The banking correspondent business model. BBVA Research Working Paper. Zins, A., & Weill, L. (2016). The Determinants of Financial Inclusion in Africa. Review of Development Finance. 6. 10.1016/j.rdf.2016.05.001. |
| dc.rights.coar.fl_str_mv |
http://purl.org/coar/access_right/c_abf2 |
| dc.rights.license.spa.fl_str_mv |
Atribución-NoComercial 4.0 Internacional |
| dc.rights.uri.spa.fl_str_mv |
http://creativecommons.org/licenses/by-nc/4.0/ |
| dc.rights.accessrights.spa.fl_str_mv |
info:eu-repo/semantics/openAccess |
| rights_invalid_str_mv |
Atribución-NoComercial 4.0 Internacional http://creativecommons.org/licenses/by-nc/4.0/ http://purl.org/coar/access_right/c_abf2 |
| eu_rights_str_mv |
openAccess |
| dc.format.extent.spa.fl_str_mv |
x, 43 páginas |
| dc.format.mimetype.spa.fl_str_mv |
application/pdf |
| dc.coverage.temporal.none.fl_str_mv |
http://vocab.getty.edu/page/tgn/1000050 |
| dc.coverage.country.spa.fl_str_mv |
Colombia |
| dc.publisher.spa.fl_str_mv |
Universidad Nacional de Colombia |
| dc.publisher.program.spa.fl_str_mv |
Bogotá - Ciencias Económicas - Maestría en Ciencias Económicas |
| dc.publisher.faculty.spa.fl_str_mv |
Facultad de Ciencias Económicas |
| dc.publisher.place.spa.fl_str_mv |
Bogotá, Colombia |
| dc.publisher.branch.spa.fl_str_mv |
Universidad Nacional de Colombia - Sede Bogotá |
| institution |
Universidad Nacional de Colombia |
| bitstream.url.fl_str_mv |
https://repositorio.unal.edu.co/bitstream/unal/86124/1/license.txt https://repositorio.unal.edu.co/bitstream/unal/86124/2/1072705678.2024.pdf https://repositorio.unal.edu.co/bitstream/unal/86124/3/1072705678.2024.pdf.jpg |
| bitstream.checksum.fl_str_mv |
eb34b1cf90b7e1103fc9dfd26be24b4a 2e3d5c45a19fb25a031ce7b7521cf539 c79f14429413d4698e198f086a05fd03 |
| bitstream.checksumAlgorithm.fl_str_mv |
MD5 MD5 MD5 |
| repository.name.fl_str_mv |
Repositorio Institucional Universidad Nacional de Colombia |
| repository.mail.fl_str_mv |
repositorio_nal@unal.edu.co |
| _version_ |
1814089794393735168 |
| spelling |
Atribución-NoComercial 4.0 Internacionalhttp://creativecommons.org/licenses/by-nc/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Ruiz Martinez, Carlos Alberto912dfdcaa40e6f7d94226ed8596f1b26García Prieto, Álvaro Andrés2a4df5605fa83fa7984a3ad7ef569583http://vocab.getty.edu/page/tgn/1000050Colombia2024-05-20T19:18:07Z2024-05-20T19:18:07Z2024-04-26https://repositorio.unal.edu.co/handle/unal/86124Universidad Nacional de ColombiaRepositorio Institucional Universidad Nacional de Colombiahttps://repositorio.unal.edu.co/ilustraciones, diagramasLa intersección entre inclusión financiera y pobreza monetaria constituye un tema crucial en la agenda socioeconómica y de políticas públicas de los países. Este estudio se centra en la relación entre inclusión financiera y pobreza en Colombia, reconociendo la diversidad regional del país. La investigación adopta un enfoque innovador, incorporando la cantidad de corresponsales bancarios como medida de accesibilidad. El análisis detallado a nivel departamental destaca las particularidades socioeconómicas únicas de cada región. Los resultados derivados de las estimaciones principales revelan una asociación negativa entre la inclusión financiera y la pobreza monetaria a nivel nacional. Ya sea a través del lado del pasivo bancario, representado por las cuentas de ahorro totales, del lado del activo bancario, mediante la profundización financiera de la cartera de consumo y microcrédito, o por la cobertura de canales bancarios, utilizando corresponsales bancarios como proxy, se ha demostrado que un mayor acceso a servicios y canales financieros está estadísticamente vinculado a una disminución en la incidencia de la pobreza monetaria. El análisis a nivel departamental ha añadido una capa adicional de complejidad, revelando tendencias regionales únicas. Departamentos como Cauca, La Guajira, Quindío y Sucre destacan al mostrar una asociación negativa significativa entre todos los tipos de inclusión financiera considerados en este estudio y la incidencia de la pobreza monetaria. Estos casos particulares resaltan la importancia de adaptar las estrategias de inclusión financiera a las características únicas de cada región. (Texto tomado de la fuente).The intersection between financial inclusion and monetary poverty is a crucial topic in the socio-economic and public policy agendas of countries. This study focuses on the relationship between financial inclusion and poverty in Colombia, acknowledging the country's regional diversity. The research adopts an innovative approach by incorporating the quantity of bank correspondents as a measure of accessibility. The detailed analysis at the departmental level highlights the unique socio-economic characteristics of each region. The results from the main estimations reveal a negative association between financial inclusion and monetary poverty at the national level. Whether through the banking liability side, represented by total savings accounts, the asset side, through the financial deepening of the consumption and microcredit portfolio, or through bank channel coverage using bank correspondents as a proxy, it has been demonstrated that increased access to financial services and channels is statistically linked to a decrease in the incidence of monetary poverty. The departmental-level analysis adds an additional layer of complexity, revealing unique regional trends. Departments such as Cauca, La Guajira, Quindío, and Sucre stand out by showing a significant negative association between all types of financial inclusion considered in this study and the incidence of monetary poverty. These specific cases underscore the importance of adapting financial inclusion strategies to the unique characteristics of each region.MaestríaMagíster en Ciencias EconómicasPolíticas públicasx, 43 páginasapplication/pdfspaUniversidad Nacional de ColombiaBogotá - Ciencias Económicas - Maestría en Ciencias EconómicasFacultad de Ciencias EconómicasBogotá, ColombiaUniversidad Nacional de Colombia - Sede Bogotá330 - Economía::332 - Economía financieraD14 Household Saving • Personal FinanceD18 Consumer ProtectionG28 Government Policy and RegulationI32 Measurement and Analysis of PovertyAlivio de la pobrezaExclusión socialProblema socialPoverty alleviationSocial exclusionSocial problemsRelación entre inclusión financiera y pobreza monetaria en ColombiaRelationship between financial inclusion and monetary poverty in ColombiaTrabajo de grado - Maestríainfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/acceptedVersionTexthttp://purl.org/redcol/resource_type/TMAsobancaria. (2019). Dinámica reciente de los corresponsales bancarios en Colombia [PDF]. https://www.asobancaria.com/wp-content/uploads/1197.pdfAnaya, A., Buelvas, J., & Romero, Y. (2020). Pobreza e inclusión financiera en el municipio de Montería, Colombia. Revista De Ciencias Sociales, 26(1), 144-160. https://doi.org/10.31876/rcs.v26i1.31315Asuming, P. O., Osei-Agyei, L. G., & Mohammed, J. I. (2019). Financial inclusion in sub-Saharan Africa: Recent trends and determinants. Journal of African Business, 20(1), 112–134.Avellaneda, S. (2017). Inclusión financiera como mecanismo para la reducción de la pobreza en Colombia. https://repositorio.uniandes.edu.co/server/api/core/bitstreams/48f38b8e-7b16-42dd-a1e7-f311a78cabfa/contentBaltagi, B., and P. X. Wu. (1999). Unequally spaced panel data regressions with AR(1) disturbances. Econometric Theory 15: 814–823.Baltagi, B. (2005) Econometric Analysis of Panel Data. 3rd Edition, John Wiley & Sons Inc., Nueva York, Estados UnidosBanco Mundial. (2023, 12 de julio). Inclusión financiera [sitio web]. https://www.bancomundial.org/es/topic/financialinclusion/overviewBanerjee, A. V., & Duflo, E. (2007). The Economic Lives of the Poor. The Journal of Economic Perspectives, 21(1), 141–168. http://www.jstor.org/stable/30033705Beck, T., Demirguc-Kunt, A., & Levine, R. (2004). Finance, inequality, and poverty: Cross-country evidence.Chibba, M. (2009). Financial Inclusion, Poverty Reduction, and the Millennium Development Goals.Chu Khanh, Lan, Determinants of Financial Inclusions: Comparing High, Middle, and Low-Income Countries (March 10, 2019). Available at SSRN: https://ssrn.com/abstract=3349933 or http://dx.doi.org/10.2139/ssrn.3349933DANE. (2022). Presentación de la Gran Encuesta Integrada de Hogares 2022 [PDF]. https://www.dane.gov.co/files/operaciones/PM/pres-PM-2022.pdfDemirguc-Kunt, Asli; Klapper, Leora; Singer, Dorothe; Singer, Dorothe. 2017. Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence. Policy Research Working Paper;No. 8040. © World Bank, Washington, DC. http://hdl.handle.net/10986/26479Diliuvienė, Laura & Tamasauskiene, Zita. (2021). Impact of Financialization on Income Inequality in Aspect of Welfare. Socialiniai tyrimai. 44. 170-187. 10.15388/Soctyr.44.2.11.Driss Tsouli, 2022. "Financial Inclusion, Poverty, and Income Inequality: Evidence from High, Middle, and Low-income Countries," Scientific Annals of Economics and Business (continues Analele Stiintifice), Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 69(1), pages 69-98, March. European Journal of Development Research, 21, 213-230.Ghosh, Saibal & Vinod, D., 2017. "What Constrains Financial Inclusion for Women? Evidence from Indian Micro data," World Development, Elsevier, vol. 92(C), pages 60-81.Levine, R. (1997). Financial Development and Economic Growth: Views and Agenda. Journal of Economic Literature, 35(2), 688–726. http://www.jstor.org/stable/2729790Md Abdullah Omar & Kazuo Inaba, 2020. "Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis," Journal of Economic Structures, Springer;Pan-Pacific Association of Input-Output Studies (PAPAIOS), vol. 9(1), pages 1-25, December.Mona, D., Restrepo, J. (2021). Impacto de la inclusión financiera en los indicadores de pobreza y desiguadad de ingresos en los departamentos de Colombia. http://hdl.handle.net/10784/29994Neaime, Simon & Gaysset, Isabelle, 2018. "Financial inclusion and stability in MENA: Evidence from poverty and inequality," Finance Research Letters, Elsevier, vol. 24(C), pages 230-237.Omar, M.A., Inaba, K. Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis. Economic Structures 9, 37 (2020). https://doi.org/10.1186/s40008-020-00214-4Panagariya, A. (2006). Bank Branch Expansion and Poverty Reduction: A Comment.Park, Cyn-Young & Mercado, Jr, Rogelio. (2015). Financial Inclusion, Poverty, and Income Inequality in Developing Asia. SSRN Electronic Journal. 10.2139/ssrn.2558936.Pérez, E., & Titelman, D. (2018). La inclusión financiera para la inserción productiva y el papel de la banca de desarrollo. Santiago: Naciones Unidad.Ratnawati, Kusuma. (2020). The Impact of Financial Inclusion on Economic Growth, Poverty, Income Inequality, and Financial Stability in Asia. The Journal of Asian Finance, Economics and Business. 7. 73-85. 10.13106/jafeb.2020.vol7.no10.073.Roldán, L. (2018). Análisis de incidencia de la inclusión financiera en la pobreza monetaria de las personas residentes en los hogares de la zona urbana de Bogotá, DC - Colombia, período comprendido entre 2010 y 2016 (Tesis de maestría). Universidad de Antioquia, Medellín, Colombia.Saha, S., & Qin, J. (2023). Financial inclusion and poverty alleviation: an empirical examination. Economic Change and Restructuring, Springer, vol. 56(1), pages 409-440, February. DOI: 10.1007/s10644-022-09428-xSen, A. (1999). Development as freedom. Oxford: Oxford University Press. IntroductionTuesta, David & Cámara, Noelia & Urbiola, Pablo. (2015). Extending access to the formal financial system: The banking correspondent business model. BBVA Research Working Paper.Zins, A., & Weill, L. (2016). The Determinants of Financial Inclusion in Africa. Review of Development Finance. 6. 10.1016/j.rdf.2016.05.001.EstudiantesInvestigadoresPúblico generalLICENSElicense.txtlicense.txttext/plain; charset=utf-85879https://repositorio.unal.edu.co/bitstream/unal/86124/1/license.txteb34b1cf90b7e1103fc9dfd26be24b4aMD51ORIGINAL1072705678.2024.pdf1072705678.2024.pdfTesis de Maestría en Ciencias Económicasapplication/pdf927236https://repositorio.unal.edu.co/bitstream/unal/86124/2/1072705678.2024.pdf2e3d5c45a19fb25a031ce7b7521cf539MD52THUMBNAIL1072705678.2024.pdf.jpg1072705678.2024.pdf.jpgGenerated Thumbnailimage/jpeg4554https://repositorio.unal.edu.co/bitstream/unal/86124/3/1072705678.2024.pdf.jpgc79f14429413d4698e198f086a05fd03MD53unal/86124oai:repositorio.unal.edu.co:unal/861242024-05-20 23:04:55.273Repositorio Institucional Universidad Nacional de Colombiarepositorio_nal@unal.edu.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 |