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Determinantes de la inclusion financiera en Mexico a partir de la ENIF 2012

Author

Listed:
  • Ximena Pena
  • Carmen Hoyo
  • David Tuesta
Abstract
A pesar de que el 97% de la poblacion en Mexico cuenta con al menos un punto de acceso al sistema financiero, solo el 38% tiene algun producto de ahorro o de cedito en instituciones financieras formales. Dichos resultados evidencian la falta de uso del sistema financiero formal y resaltan la importancia de analizar con mayor profundidad cuales son los factores determinantes de la inclusion financiera en Mexico. El presente trabajo explora los factores que determinan la inclusion financiera en Mexico desde el lado de la demanda, con base en la informacion de la Encuesta Nacional de Inclusion Financiera 2012 (ENIF). Para identificar los factores relevantes, se construyen indicadores de inclusion financiera mediante el metodo de analisis de correspondencias multiples, tomando en cuenta la tenencia de productos de crrdito y de ahorro, tanto de manera conjunta (Indicador Agregado) como de forma individual (Indicador de Ahorro e Indicador de Credito). De tal forma, a traves de un analisis de regresion no lineal se pretende explicar los factores que influyen en la inclusion financiera, considerando no solamente la bancarizacion, sino la tenencia conjunta de productos financieros formales. Adicionalmente, se realiza el mismo analisis para el subgrupo de poblacion que pertenece al mercado laboral informal, sector de la poblacion que generalmente sufre mas exclusion financiera. Los resultados obtenidos para los diferentes tipos de indicadores de inclusión financiera , tanto en la poblacion total como en los trabajadores informales, muestran la necesidad de realizar analisis detallados para fomentar una mayor participacion en el sistema financiero formal, disenando politicas publicas especificas para cada grupo de poblacion acorde con sus caracteristicas socioeconomicas y de ubicacion geografica.

Suggested Citation

  • Ximena Pena & Carmen Hoyo & David Tuesta, 2014. "Determinantes de la inclusion financiera en Mexico a partir de la ENIF 2012," Working Papers 1414, BBVA Bank, Economic Research Department.
    • Handle: RePEc:bbv:wpaper:1414
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    References listed on IDEAS

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    Cited by:

    1. Sanderson Abel & Learnmore Mutandwa & Pierre Le Roux, 2018. "A Review of Determinants of Financial Inclusion," International Journal of Economics and Financial Issues, Econjournals, vol. 8(3), pages 1-8.
    2. Angel De la Fuente, 2015. "Series enlazadas de Contabilidad Regional para España, 1980-2014," Working Papers 1527, BBVA Bank, Economic Research Department.
    3. Ángel de la Fuente, 2014. "La evolución de la financiación de las comunidades autónomas de régimen común, 2002-2012," Studies on the Spanish Economy eee2014-07, FEDEA.
    4. Carolina Rodríguez Zamora, 2018. "Bank Account Ownership by Microentrepreneurs in Mexico," 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 13, pages 429-461, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    5. de la Fuente, Ángel & Doménech, Rafael, 2016. "El nivel educativo de la población en España y sus regiones: 1960-2011," INVESTIGACIONES REGIONALES - Journal of REGIONAL RESEARCH, Asociación Española de Ciencia Regional, issue 34, pages 73-94.
    6. David Tuesta & Gloria Sorensen & Adriana Haring & Noelia Camara, 2015. "Financial inclusion and its determinants: the case of Argentina," Working Papers 1503, BBVA Bank, Economic Research Department.
    7. Angel De la Fuente, 2015. "Series Contabilidad Regional (II): Asalariados, rentas del trabajo y salarios medios," Working Papers 1531, BBVA Bank, Economic Research Department.
    8. Leonardo Villar & David Forero, 2014. "Escenarios de vulnerabilidad fiscal para la economia colombiana," Working Papers 1421, BBVA Bank, Economic Research Department.
    9. Jaime Zurita, 2014. "Analisis de la concentracion y competencia en el sector bancario," Working Papers 1423, BBVA Bank, Economic Research Department.
    10. Thereza Balliester Reis, 2021. "What is financial inclusion? A critical review," Working Papers 246, Department of Economics, SOAS University of London, UK.
    11. David Tuesta, 2014. "La economia informal y las restricciones que impone sobre las cotizaciones al regimen de pensiones en America Latina," Working Papers 1420, BBVA Bank, Economic Research Department.
    12. Angel De la Fuente, 2014. "La financiacion de las comunidades autonomas de regimen comun en 2012," Working Papers 1422, BBVA Bank, Economic Research Department.
    13. Javier Alonso & Alfonso Arellano, 2015. "Heterogeneidad y difusion de la economia digital: el caso español," Working Papers 1528, BBVA Bank, Economic Research Department.
    14. Angel De la Fuente, 2014. "Las finanzas autonomicas en 2013 y entre 2003 y 2013," Working Papers 1417, BBVA Bank, Economic Research Department.
    15. Jose Felix Izquierdo & Santiago Fernandez de Lis & Ana Rubio, 2015. "Determinantes del tipo de interes del credito a empresas en la Eurozona," Working Papers 1509, BBVA Bank, Economic Research Department.

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    More about this item

    Keywords

    Inclusion financiera; Instituciones financieras; Finanzas personales;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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