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Inclusión financiera de los receptores de remesas en México

Author

Listed:
  • Martha Alicia Rios Obregón

    (El Colegio de la Frontera Norte, México)

  • Blanca Delia Vázquez Delgado

    (El Colegio de la Frontera Norte, México)

Abstract

El objetivo del artículo es conocer el impacto de las cuatro dimensiones financieras sobre la probabilidad de inclusión financiera de los receptores de remesas. Un modelo Probit ayuda a reflejar esa asociación, se estima sus efectos marginales usando los datos disponibles del módulo sobre remesas internacionales de la Encuesta ENIF 2015. Los resultados reflejan la importancia del "uso" de instrumentos financieros para la IF de los receptores, mucho más que contar con ingresos elevados; en tanto el acceso y conocimiento financiero tiene efecto variante. Una recomendación derivada del análisis es que en el horizonte post-Covid se puede acelerar la marcha para aumentar la bancarización de los receptores de remesas. La limitación para este tipo de análisis es la disponibilidad de datos, en tanto la última versión de la ENIF eliminó la sección de remesas internacionales; sin embargo, la originalidad del estudio está en analizar a los receptores y su proximidad al sistema financiero. Recibir remesas no implica necesariamente participar del sistema, los receptores están condicionados en distinto grado al uso y acceso financiero, y sobre ello se debe poner atención.

Suggested Citation

  • Martha Alicia Rios Obregón & Blanca Delia Vázquez Delgado, 2022. "Inclusión financiera de los receptores de remesas en México," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 17(3), pages 1-24, Julio - S.
    • Handle: RePEc:imx:journl:v:17:y:2022:i:3:a:4
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/712
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    References listed on IDEAS

    as
    1. Pedro Orraca-Romano, 2015. "Does access to free health insurance crowd-out private transfers? Evidence from Mexico’s Seguro Popular," Latin American Economic Review, Springer;Centro de Investigaciòn y Docencia Económica (CIDE), vol. 24(1), pages 1-34, December.
    2. David Tuesta & Gloria Sorensen & Adriana Haring & Noelia Camara, 2015. "Inclusion financiera y sus determinantes: el caso argentino," Working Papers 1504, BBVA Bank, Economic Research Department.
    3. Jorge Mora-Rivera & Francisco Javier Morales Gutiérrez, 2018. "Remesas y pobreza: una revisión teórica y empírica," Economía: teoría y práctica, Universidad Autónoma Metropolitana, México, vol. 48(1), pages 197-230, Enero-Jun.
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    Cited by:

    1. Daniela Fernanda Diaz & Sonia Di Giannatale & Irvin Rojas, 2023. "Financial Vulnerability and Financial Instruments: Evidence from Mexico," Sobre México. Revista de Economía, Sobre México. Temas en economía, vol. 1(8), pages 94-134.

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    More about this item

    Keywords

    América Latina; Inversión de impacto social; Regulación; Análisis institucional; Intervención gubernamental; Política pública; Marco comparativo;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • P34 - Political Economy and Comparative Economic Systems - - Socialist Institutions and Their Transitions - - - Finance
    • F24 - International Economics - - International Factor Movements and International Business - - - Remittances
    • F22 - International Economics - - International Factor Movements and International Business - - - International Migration

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