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Inclusión financiera en jóvenes universitarios en México, 2017-2018

Author

Listed:
  • Gustavo León Cuanalo

    (Benemérita Universidad Autónoma de Puebla, México)

  • Ariadna Hernández Rivera

    (Benemérita Universidad Autónoma de Puebla, México)

  • Gonzalo Haro Álvarez

    (Benemérita Universidad Autónoma de Puebla, México)

Abstract

En México existen programas para el acceso a Servicios y Productos Financieros en diferentes grupos poblacionales, sin embargo, los Jóvenes Universitarios de las áreas económico-administrativas tienen una Inclusión Financiera precaria, a pesar de que ellos cuentan con capacitación e instrucción en su formación académica para participar en el mercado financiero. La presente investigación pretende ser un nuevo aporte en el tema, ya que se analizó a los estudiantes de doce universidades, de las cinco zonas metropolitanas con mayor concentración poblacional de México, con el objetivo de estimar los niveles y factores que limitan o promueven la inclusión financiera. Utilizando el Modelo Scoring, basado en técnicas estadísticas y econométricas; obteniendo las desigualdades que existen entre Estados y Zonas. Se sugieren a las instituciones de educación superior, adaptar los planes de estudio a esquemas prácticos para el día con día; ya que una mayor inclusión implica una puerta de acceso a diferentes transacciones económicas. Entre las conclusiones a destacar: se encuentra que, los lugares con mayor desarrollo económico son más factibles a estar incluidos financieramente.

Suggested Citation

  • Gustavo León Cuanalo & Ariadna Hernández Rivera & Gonzalo Haro Álvarez, 2022. "Inclusión financiera en jóvenes universitarios en México, 2017-2018," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 17(1), pages 1-18, Enero - M.
    • Handle: RePEc:imx:journl:v:17:y:2022:i:1:a:10
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    References listed on IDEAS

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    1. Lecuona, Ramón, 2017. "Instrumentos para la inclusión financiera: el caso de México," Documentos de Proyectos 42504, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL).
    2. Owen Eli Ceballos-Mina & Luis Enrique Santiago-Ayala, 2019. "Efectos de las tarjetas de crédito en la estructura de consumo y la desigualdad de los hogares mexicanos," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 11(2), pages 299-320, November.
    3. Carmen Hoyo & Ximena Pena & David Tuesta, 2013. "Factores de demanda que influyen en la Inclusion Financiera en Mexico. Analisis de las barreras a partir de la ENIF," Working Papers 1336, BBVA Bank, Economic Research Department.
    4. Luis E. Arango & Lina Cardona-Sosa, 2019. "Tarjetas de crédito en personas de ingresos medios y bajos en Colombia: ¿qué determina su uso?," Borradores de Economia 1089, Banco de la Republica de Colombia.
    5. Lusardi, Annamaria & Mitchell, Olivia S., 2011. "Financial literacy around the world: an overview," Journal of Pension Economics and Finance, Cambridge University Press, vol. 10(4), pages 497-508, October.
    6. Ochoa P., Juan Camilo & Galeano M., Wilinton & Agudelo V., Luis Gabriel, 2010. "Construcción de un modelo de scoring para el otorgamiento de crédito en una entidad financiera," Perfil de Coyuntura Económica, Universidad de Antioquia, CIE, November.
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    More about this item

    Keywords

    Inclusión Financiera; Educación Financiera; Jóvenes Universitarios; Mercado Financiero; Servicios y Productos Financieros.;
    All these keywords.

    JEL classification:

    • A22 - General Economics and Teaching - - Economic Education and Teaching of Economics - - - Undergraduate
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G2 - Financial Economics - - Financial Institutions and Services
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I23 - Health, Education, and Welfare - - Education - - - Higher Education; Research Institutions

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