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Acceso a servicios financieros de los hogares en el Perú

Author

Listed:
  • Alfageme, Augusta

    (Banco Central de Reserva del Perú)

  • Ramírez-Rondán, Nelson

    (Banco Central de Reserva del Perú)

Abstract

Un sistema financiero sólido es beneficioso para el crecimiento de los países; al permitir a los hogares contar con instrumentos financieros y desarrollar sus capacidades financieras, se logra un mayor bienestar económico y se incentiva el desarrollo de los mercados financieros, contribuyendo a reducir la pobreza y desigualdad. En tal sentido, este trabajo propone una metodología que ayude a conocer la evolución del acceso a servicios financieros utilizando las Encuestas Nacionales de Hogares sobre Condiciones de Vida y Pobreza (ENAHO) realizadas por el Instituto Nacional de Estadística e Informática del Perú (INEI) entre 2004-2014. Luego, también con la base de datos de ENAHO, se analizan los determinantes del acceso a los servicios financieros; donde se encuentra una relación positiva entre ingreso, educación, y edad en el nivel de bancarización, y una relación negativa entre quienes viven en el área rural y están en pobreza extrema.

Suggested Citation

  • Alfageme, Augusta & Ramírez-Rondán, Nelson, 2016. "Acceso a servicios financieros de los hogares en el Perú," Working Papers 2016-015, Banco Central de Reserva del Perú.
    • Handle: RePEc:rbp:wpaper:2016-015
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    File URL: https://www.bcrp.gob.pe/docs/Publicaciones/Documentos-de-Trabajo/2016/documento-de-trabajo-15-2016.pdf
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    Keywords

    inclusión financiera; hogares; Perú;
    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
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid

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