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Determinants Of Financial And Digital Inclusion In Households: A Probit Model Applied To Bahia Blanca (Argentina)

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  • Sofia ORAZI
  • Lisana B. MARTINEZ
  • Hernan P. VIGIER

Abstract

The objective of this study is to provide a description of the main financial and digital instruments that the population under analysis has and uses. A set of characteristics of the head of house are considered and traditional financial instruments. Furthermore, it examines the possession of bank and non-bank credit instruments, distinguishing between vulnerable and non-vulnerable neighborhoods in the city of study, and then delves into the socioeconomic determinants of the possession and use of these financial and digital instruments. The methodology applied is descriptive and explanatory using probit models. The results highlight the need to facilitate access to formal financial instruments, harness the reach being generated by digital services, and emphasize the importance of promoting financing programs to meet the credit demands of the lower-income population.

Suggested Citation

  • Sofia ORAZI & Lisana B. MARTINEZ & Hernan P. VIGIER, 2024. "Determinants Of Financial And Digital Inclusion In Households: A Probit Model Applied To Bahia Blanca (Argentina)," Regional and Sectoral Economic Studies, Euro-American Association of Economic Development, vol. 24(2), pages 1-20.
    • Handle: RePEc:eaa:eerese:v:24:y2024:i:2_1
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    File URL: http://www.usc.es/~economet/reviews/eers2421.pdf
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    Keywords

    Financial inclusion – Digital finance – Households;

    JEL classification:

    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • C19 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Other

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