Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia
Taking advantage of the largest financial inclusion program in Colombia, we estimate how increasing the access to such services for the poor impacts money laundering indicators in the country. We find that eventhough, on average, government's indicators of money laundering activities in Colombi...
- Autores:
-
Bayona Rodríguez, Hernando
Rodríguez Orgales, Catherine
Melo, J. Sebastián
- Tipo de recurso:
- Work document
- Fecha de publicación:
- 2017
- Institución:
- Universidad de los Andes
- Repositorio:
- Séneca: repositorio Uniandes
- Idioma:
- spa
- OAI Identifier:
- oai:repositorio.uniandes.edu.co:1992/8677
- Acceso en línea:
- http://hdl.handle.net/1992/8677
- Palabra clave:
- Money laundering
Bancarization
Souspicios Transaction Report
STR
IIF
Lavado de dinero - Colombia
Delitos económicos - Colombia
Servicios bancarios - Colombia
K42, C81, H56
- Rights
- openAccess
- License
- http://creativecommons.org/licenses/by-nc-nd/4.0/
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Al consultar y hacer uso de este recurso, está aceptando las condiciones de uso establecidas por los autores.http://creativecommons.org/licenses/by-nc-nd/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Bayona Rodríguez, Hernando11131600Rodríguez Orgales, Catherine10235600Melo, J. Sebastián9e9b0184-c450-43e3-bef7-215c89c5e71b5002018-09-27T16:55:46Z2018-09-27T16:55:46Z20171657-5334http://hdl.handle.net/1992/86771657-719110.57784/1992/8677instname:Universidad de los Andesreponame:Repositorio Institucional Sénecarepourl:https://repositorio.uniandes.edu.co/Taking advantage of the largest financial inclusion program in Colombia, we estimate how increasing the access to such services for the poor impacts money laundering indicators in the country. We find that eventhough, on average, government's indicators of money laundering activities in Colombia decreased, complex and heterogeneous impacts across the country and in time are observed. While money laundering indicators decreased in areas with high historic values of this crime, indicators in areas with medium historic levels increased. The evidence suggests that after the banalization process a fragmentation and expansion of money laundering indicators across municipalities in Colombia took place, diminishing the accuracy of the alerts that the financial institutions provide to the government in order to fight this crime.El presente trabajo analiza el efecto de un incremento en la inclusión financiera sobre los indicadores de lavado de activos en Colombia, a partir de la asignación aleatoria del programa de bancarización más grande que se ha implementado en el país. Los resultados sugieren que, a pesar de que los indicadores de lavado de activos disminuyen en promedio, hay impactos heterogéneos y acciones complejas de los individuos involucrados a través de los municipios del país. Mientras que los indicadores disminuyen en zonas caracterizadas históricamente por altos niveles de lavado de activos, éstos se incrementan en zonas con niveles medios de esta actividad ilícita. La evidencia sugiere que después de la bancarización, se desarrollaron procesos de fragmentación y expansión de los indicadores de lavado de activos que afectaron negativamente la precisión de las alertas que proveen las instituciones financieras.34 páginasapplication/pdfspaUniversidad de los Andes, Facultad de Economía, CEDEDocumentos CEDE No. 26 Marzo de 2017https://ideas.repec.org/p/col/000089/015600.htmlFinancial inclusion of the poor and money laundering indicators: empirical evidence for ColombiaLa inclusión financiera de los hogares pobres y los indicadores de lavado de activos: evidencia empírica para ColombiaDocumento de trabajoinfo:eu-repo/semantics/workingPaperhttp://purl.org/coar/resource_type/c_8042http://purl.org/coar/version/c_970fb48d4fbd8a85Texthttps://purl.org/redcol/resource_type/WPMoney launderingBancarizationSouspicios Transaction ReportSTRIIFLavado de dinero - ColombiaDelitos económicos - ColombiaServicios bancarios - ColombiaK42, C81, H56Facultad de EconomíaPublicationTHUMBNAILdcede2017-26.pdf.jpgdcede2017-26.pdf.jpgIM Thumbnailimage/jpeg12369https://repositorio.uniandes.edu.co/bitstreams/3e49a04f-393a-4d9a-84d0-2e7d0a281b72/download29141ff5fcb2a2035104f379c08a460eMD55ORIGINALdcede2017-26.pdfdcede2017-26.pdfapplication/pdf908591https://repositorio.uniandes.edu.co/bitstreams/2b2d0d81-55bc-4e88-9978-dbaa5c566e14/downloadd5d222ec594a4af6d5965e33278b68ceMD51TEXTdcede2017-26.pdf.txtdcede2017-26.pdf.txtExtracted texttext/plain81827https://repositorio.uniandes.edu.co/bitstreams/d8feace5-778f-4f59-b077-7af826d87e4d/download2e6b8a9a9d4b8d52b0a91455f68c7050MD541992/8677oai:repositorio.uniandes.edu.co:1992/86772024-06-04 15:11:42.625http://creativecommons.org/licenses/by-nc-nd/4.0/open.accesshttps://repositorio.uniandes.edu.coRepositorio institucional Sénecaadminrepositorio@uniandes.edu.co |
| dc.title.none.fl_str_mv |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia |
| dc.title.alternative.none.fl_str_mv |
La inclusión financiera de los hogares pobres y los indicadores de lavado de activos: evidencia empírica para Colombia |
| title |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia |
| spellingShingle |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia Money laundering Bancarization Souspicios Transaction Report STR IIF Lavado de dinero - Colombia Delitos económicos - Colombia Servicios bancarios - Colombia K42, C81, H56 |
| title_short |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia |
| title_full |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia |
| title_fullStr |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia |
| title_full_unstemmed |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia |
| title_sort |
Financial inclusion of the poor and money laundering indicators: empirical evidence for Colombia |
| dc.creator.fl_str_mv |
Bayona Rodríguez, Hernando Rodríguez Orgales, Catherine Melo, J. Sebastián |
| dc.contributor.author.none.fl_str_mv |
Bayona Rodríguez, Hernando Rodríguez Orgales, Catherine Melo, J. Sebastián |
| dc.subject.keyword.none.fl_str_mv |
Money laundering Bancarization Souspicios Transaction Report STR IIF |
| topic |
Money laundering Bancarization Souspicios Transaction Report STR IIF Lavado de dinero - Colombia Delitos económicos - Colombia Servicios bancarios - Colombia K42, C81, H56 |
| dc.subject.armarc.none.fl_str_mv |
Lavado de dinero - Colombia Delitos económicos - Colombia Servicios bancarios - Colombia |
| dc.subject.jel.none.fl_str_mv |
K42, C81, H56 |
| description |
Taking advantage of the largest financial inclusion program in Colombia, we estimate how increasing the access to such services for the poor impacts money laundering indicators in the country. We find that eventhough, on average, government's indicators of money laundering activities in Colombia decreased, complex and heterogeneous impacts across the country and in time are observed. While money laundering indicators decreased in areas with high historic values of this crime, indicators in areas with medium historic levels increased. The evidence suggests that after the banalization process a fragmentation and expansion of money laundering indicators across municipalities in Colombia took place, diminishing the accuracy of the alerts that the financial institutions provide to the government in order to fight this crime. |
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2017 |
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2017 |
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2018-09-27T16:55:46Z |
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2018-09-27T16:55:46Z |
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Documento de trabajo |
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http://purl.org/coar/version/c_970fb48d4fbd8a85 |
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info:eu-repo/semantics/workingPaper |
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Text |
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https://purl.org/redcol/resource_type/WP |
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1657-5334 |
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http://hdl.handle.net/1992/8677 |
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10.57784/1992/8677 |
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spa |
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spa |
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Documentos CEDE No. 26 Marzo de 2017 |
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34 páginas |
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Universidad de los Andes, Facultad de Economía, CEDE |
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