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Género e inclusión financiera en Colombia

Author

Listed:
  • Daniel Elifonso Cardona Ruiz
  • María Camila Hoyos Alzate
  • Fabiola Saavedra-Caballero

Abstract

El acceso al sistema financiero formal permite a las personas organizarse financieramente, ahorrar y planear para el futuro; sin embargo, todavía es alto el porcentaje de la población colombiana que se encuentra fuera de dicho sistema, en especial las mujeres. El objetivo del presente trabajo es medir, a través de un modelo econométrico alimentado con datos de 2014, del Global Findex Database del Banco Mundial, las diferencias de género en términos de inclusión financiera en Colombia en ese ano. Para esto, se tienen en cuenta tres categorías que miden a) el acceso a servicios de una institución financiera formal, b) su uso activo, y c) el uso activo de servicios financieros informales. Esta última categoría cobra relevancia, ya que tiene en cuenta aquel segmento de la población que se encuentra marginado de los servicios formales del sector financiero. En términos generales, se evidencia que ser mujer tiene un impacto negativo para una persona al momento de ser incluido en el sistema financiero formal, entendiendo “inclusión financiera” como el acceso y uso efectivo de servicios financieros formales.

Suggested Citation

  • Daniel Elifonso Cardona Ruiz & María Camila Hoyos Alzate & Fabiola Saavedra-Caballero, 2018. "Género e inclusión financiera en Colombia," Revista Ecos de Economía, Universidad EAFIT, vol. 22(46), pages 60-90, June.
    • Handle: RePEc:col:000442:016365
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    References listed on IDEAS

    as
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    2. Kim, Dai-Won & Yu, Jung-Suk & Hassan, M. Kabir, 2018. "Financial inclusion and economic growth in OIC countries," Research in International Business and Finance, Elsevier, vol. 43(C), pages 1-14.
    3. Ghosh, Saibal & Vinod, D., 2017. "What Constrains Financial Inclusion for Women? Evidence from Indian Micro data," World Development, Elsevier, vol. 92(C), pages 60-81.
    4. Meldina Kokorovic Jukan & Amra Softic, 2016. "Comparative Analysis Of Financial Inclusion In Developing Regions Around The World," Economic Review: Journal of Economics and Business, University of Tuzla, Faculty of Economics, vol. 14(2), pages 56-65, November.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Inclusión financiera; Género; Colombia; Global Findex Database.;
    All these keywords.

    JEL classification:

    • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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