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Sobre la relación entre la inclusión financiera y la movilidad social de las personas

Author

Listed:
  • Gustavo A. Del Angel

    (Department of Economics, CIDE)

Abstract

Este artículo argumenta que las funciones del sistema financiero, y por extensión la inclusión financiera, son elementos relevantes en los procesos de movilidad social, principalmente movilidad social intergeneracional, ya sea movilidad ascendente o prevenir movilidad descendente. El argumento central de este artículo es que el sistema financiero puede contribuir de forma concreta a la movilidad social ascendente a través de dos canales. El primero, permite generar inversión en capital humano a través de ahorro, acumulación de activos y formación de un patrimonio. El segundo, es un ingrediente necesario para el emprendimiento, principalmente a través de financiamiento y de la formación de un patrimonio para realizar inversiones productivas. Este análisis permite vincular distintas áreas de investigación, la movilidad social, cuyos antecedentes provienen de la sociología y en el que la economía ha incursionado, y los estudios recientes de inclusión financiera. Esto nos permite crear un puente entre campos y disciplinas. Este trabajo provee evidencia empírica cuantitativa con un ejercicio descriptivo. Utilizando la encuesta ESRU EMOVI de México, se presenta evidencia para ese país de una relación positiva entre uso de servicios financieros y mayor movilidad social intergeneracional. Esto es, hijos de padres con acceso a los servicios financieros, tuvieron mayor movilidad social ascendente.

Suggested Citation

  • Gustavo A. Del Angel, 2024. "Sobre la relación entre la inclusión financiera y la movilidad social de las personas," Working Papers DTE 643, CIDE, División de Economía.
    • Handle: RePEc:emc:wpaper:dte643
    as

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    Keywords

    financial inclusion; social mobility; development; financial system;
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