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Una propuesta de medición de la inclusión financiera en México

Author

Listed:
  • Jesús Antonio López Cabrera

    (CEPAL, Naciones Unidas, México)

  • Francisco Gabriel Villarreal

    (CEPAL, Naciones Unidas, Chile)

  • Diego Cardoso López

    (Corporación Financiera Colombiana, Colombia)

Abstract

En esta investigación se calcula un índice de inclusión financiera para México. Las dimensiones incluidas en el índice son acceso, uso y calidad. Se utiliza una metodología en tres etapas sobre la base del análisis de componentes principales. Los datos provienen de la Encuesta Nacional de Inclusión Financiera. Los resultados del índice nos muestran que existe un bajo nivel de inclusión financiera. La dimensión que más contribuye a la inclusión financiera es el acceso, mientras la más rezagada es la calidad. Se percibe una mayor inclusión financiera de los hombres, así como de los individuos de la Ciudad de México, el Noreste y el Noroeste, en las localidades de más de 100,000 habitantes, y los que trabajan. Esto nos indica que la diversificación impulsa los niveles de inclusión financiera, pero se necesita incentivar el uso, fortalecer capacidades, y mejorar el diseño. Existe un rezago en la información de productos y servicios financieros novedosos, lo que limita el estudio.

Suggested Citation

  • Jesús Antonio López Cabrera & Francisco Gabriel Villarreal & Diego Cardoso López, 2023. "Una propuesta de medición de la inclusión financiera 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. 18(3), pages 1-41, Julio - S.
    • Handle: RePEc:imx:journl:v:18:y:2023:i:3:p:3
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    References listed on IDEAS

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    More about this item

    Keywords

    Inclusión Financiera; Índice Multidimensional; México;
    All these keywords.

    JEL classification:

    • G19 - Financial Economics - - General Financial Markets - - - Other
    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • C19 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Other

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