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La inclusión financiera en Sincelejo (Colombia). Un modelo econométrico probit

Author

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  • Alfredo R. Anaya Narváez
  • Yaneth Patricia Romero Álvarez

Abstract

En este trabajo se examina la relación entre la inclusión financiera y la pobreza monetaria de los hogares del municipio de Sincelejo, departamento de Sucre (Colombia), y se confirma la correlación entre las dos variables a través de un modelo econométrico probabilístico o de respuesta cualitativa, denominado Probit; utilizando, además, otras variables socioeconómicas que ayuden a explicar el fenómeno de la inclusión financiera. Para lograrlo se tomó información primaria mediante encuestas a 541 hogares sincelejanos sobre las variables involucradas en el análisis y, mediante el programa Eviews 7.1, se procesó la información para obtener la estimación del modelo econométrico. Los resultados confirman que este fenómeno se puede estudiar, adecuadamente, a través de un análisis de regresión binomial y que existe una relación inversa entre pobreza monetaria e inclusión financiera (medida a partir de hogares que han tenido algún tipo de servicio o producto en entidades financieras formales). Se confirma, igualmente, que el factor más relevante para incrementar las probabilidades de inclusión de los hogares son los mayores niveles de educación del jefe del hogar.

Suggested Citation

  • Alfredo R. Anaya Narváez & Yaneth Patricia Romero Álvarez, 2018. "La inclusión financiera en Sincelejo (Colombia). Un modelo econométrico probit," Revista Ecos de Economía, Universidad EAFIT, vol. 22(46), pages 91-110, June.
    • Handle: RePEc:col:000442:016366
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    References listed on IDEAS

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    More about this item

    Keywords

    inclusión; pobreza; variables socioeconómicas; Probit; Sincelejo;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G38 - Financial Economics - - Corporate Finance and Governance - - - Government Policy and Regulation
    • C11 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Bayesian Analysis: General

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