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Inclusion financiera y sus determinantes: el caso argentino

Author

Listed:
  • David Tuesta
  • Gloria Sorensen
  • Adriana Haring
  • Noelia Camara

Abstract

El presente estudio pretende analizar, desde un punto de vista microeconomico, las tres dimensiones que determinan la inclusion financiera para el caso de Argentina. Desde el lado de la oferta se tiene que el acceso a los servicios financieros formales se basa en los canales tradicionales: sucursales y ATMs y la regulacion para la inclusion financiera es todavia incipiente, a diferencia de lo que ocurre en paises vecinos. En lo que respecta al uso, el nivel educativo, el ingreso y la edad son variables importantes que determinan la tenencia de diferentes productos financieros como cuentas, tarjetas de credito y debito, credito formal o pagos electronicos. Finalmente, los factores que afectan a la percepcion de diferentes barreras de exclusion involuntaria son el nivel de ingreso y la edad.

Suggested Citation

  • David Tuesta & Gloria Sorensen & Adriana Haring & Noelia Camara, 2015. "Inclusion financiera y sus determinantes: el caso argentino," Working Papers 1504, BBVA Bank, Economic Research Department.
    • Handle: RePEc:bbv:wpaper:1504
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    Citations

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    Cited by:

    1. Daisy Johana Pacheco & Ana María Yaruro, 2018. "Factors Affecting Ownership of Financial Products in Colombia," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 6, pages 157-192, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    2. Daisy Johana Pacheco & Ana María Yaruro, 2016. "Factores que afectan la tenencia de productos financieros en Colombia," Borradores de Economia 978, Banco de la Republica de Colombia.
    3. Martha Alicia Rios Obregón & Blanca Delia Vázquez Delgado, 2022. "Inclusión financiera de los receptores de remesas en México," 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(3), pages 1-24, Julio - S.
    4. Angel De la Fuente, 2016. "La liquidacion de 2014 del sistema de financiacion autonomica," Working Papers 16/13, BBVA Bank, Economic Research Department.

    More about this item

    Keywords

    Argentina; Documento de Trabajo; Latam; inclusion financiera; investigacion;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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