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Un analisis numerico de inclusion financiera y pobreza

Author

Listed:
  • Isai Guizar

    () (Instituto Tecnologico y de Estudios Superiores de Monterrey.)

  • Claudio Gonzalez - Vega
  • Mario J. Miranda

Abstract

La inclusion financiera per se no es capaz de aliviar la pobreza, pero servicios financieros (credito y depositos) eficientes facilitan la adopcion de tecnologias de produccion avanzadas, que generan mayores ingresos esperados. Proponemos y resolvemos modelos dinamicos, estocasticos, de horizonte infinito, que muestran que la inclusion en el mercado de depositos (o de credito) no garantiza mayores ingresos entre las poblaciones mas pobres. Identificamos niveles iniciales de riqueza (umbrales de consumo) donde los hogares no demandan depositos (o no disminuyen sus niveles de endeudamiento). La ausencia de demanda de servicios de deposito (o el uso del credito solo para estabilizar consumo) impide que la inclusion financiera impacte los ingresos del hogar. Cuando el umbral de consumo es rebasado, la riqueza del hogar todavia debe aumentar hasta alcanzar el umbral adopcion. Durante esta transicion, los servicios financieros son una herramienta de administracion de riesgo. Cuando el nivel de riqueza es suficientemente alto, en el umbral de adopcion, el deposito acumulado (o el credito) es utilizado para invertir en tecnologias mas avanzadas. Esto tiene implicaciones en el diseño de politicas de inclusion financiera para diferentes poblaciones meta. La inclusion financiera es necesaria, pero no suficiente, para el alivio de la pobreza.

Suggested Citation

  • Isai Guizar & Claudio Gonzalez - Vega & Mario J. Miranda, 2015. "Un analisis numerico de inclusion financiera y pobreza," EconoQuantum, Revista de Economia y Negocios, Universidad de Guadalajara, Centro Universitario de Ciencias Economico Administrativas, Departamento de Metodos Cuantitativos y Maestria en Economia., vol. 12(2), pages 7-24, Julio-Dic.
  • Handle: RePEc:qua:journl:v:12:y:2015:i:2:p:7-24
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    More about this item

    Keywords

    Inclusion financiera; Credito; Depositos; Pobreza; Adopcion tecnologica.;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O13 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Agriculture; Natural Resources; Environment; Other Primary Products
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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