文章基本信息

标题：Challenges of financial inclusion policies in Peru.
其他标题：Desafíos de las políticas de inclusión financiera en el Perú
本地全文：下载
作者：Guillermo Boitano ; Deyvi Franco Abanto Aranda
期刊名称：Revista Finanzas y Política Económica
印刷版ISSN：2248-6046
电子版ISSN：2011-7663
出版年度：2020
卷号：12
期号：1
页码：89-117
DOI：10.14718/revfinanzpolitecon.v12.n1.2020.3177
摘要：The purpose of the research is to identify the main determinants of financial inclusion in Peru at the department level (without Lima) from 2010 to 2017, aiming to analyze the challenges faced by financial inclusion policies. A two-stage GMM method was used to estimate a panel data model where the endogenous variable is Sarma’s financial inclusion index (2008). The results indicate that bank concentration is the main variable affecting financial inclusion. At the same time, although the effect of technology is positive, it is diminishing over time due to the inefficient deployment of such technology and, in many cases, a lack of knowledge on how to use it, especially in the remote areas of Peru.
其他摘要：The purpose of the research is to identify the main determinants of financial inclusion in Peru at the department level (without Lima) from 2010 to 2017, aiming to analyze the challenges faced by financial inclusion policies. A twostage GMM method was used to estimate a panel data model where the endogenous variable is Sarma’s financial inclusion index (2008). The results indicate that bank concentration is the main variable affecting financial inclusion. At the same time, although the effect of technology is positive, it is diminishing over time due to the inefficient deployment of such technology and, in many cases, a lack of knowledge on how to use it, especially in the remote areas of Peru.
关键词：inclusión financiera; pobreza; educación financiera; exclusión financiera; concentración bancaria
其他关键词：Financial inclusion; poverty; financial education; financial exclusion; bank concentration;