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Determinantes de la inclusion financiera en Mexico a partir de la ENIF 2012

Listed author(s):
  • Ximena Pena
  • Carmen Hoyo
  • David Tuesta

A pesar de que el 97% de la poblacion en Mexico cuenta con al menos un punto de acceso al sistema financiero, solo el 38% tiene algun producto de ahorro o de cedito en instituciones financieras formales. Dichos resultados evidencian la falta de uso del sistema financiero formal y resaltan la importancia de analizar con mayor profundidad cuales son los factores determinantes de la inclusion financiera en Mexico. El presente trabajo explora los factores que determinan la inclusion financiera en Mexico desde el lado de la demanda, con base en la informacion de la Encuesta Nacional de Inclusion Financiera 2012 (ENIF). Para identificar los factores relevantes, se construyen indicadores de inclusion financiera mediante el metodo de analisis de correspondencias multiples, tomando en cuenta la tenencia de productos de crrdito y de ahorro, tanto de manera conjunta (Indicador Agregado) como de forma individual (Indicador de Ahorro e Indicador de Credito). De tal forma, a traves de un analisis de regresion no lineal se pretende explicar los factores que influyen en la inclusion financiera, considerando no solamente la bancarizacion, sino la tenencia conjunta de productos financieros formales. Adicionalmente, se realiza el mismo analisis para el subgrupo de poblacion que pertenece al mercado laboral informal, sector de la poblacion que generalmente sufre mas exclusion financiera. Los resultados obtenidos para los diferentes tipos de indicadores de inclusión financiera , tanto en la poblacion total como en los trabajadores informales, muestran la necesidad de realizar analisis detallados para fomentar una mayor participacion en el sistema financiero formal, disenando politicas publicas especificas para cada grupo de poblacion acorde con sus caracteristicas socioeconomicas y de ubicacion geografica.

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Paper provided by BBVA Bank, Economic Research Department in its series Working Papers with number 1414.

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Length: 28 pages
Date of creation: Jun 2014
Handle: RePEc:bbv:wpaper:1414
Contact details of provider: Web page: https://www.bbvaresearch.com/

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  16. Carmen Hoyo & Ximena Pena & David Tuesta, 2013. "Factores de demanda que influyen en la Inclusion Financiera en Mexico. Analisis de las barreras a partir de la ENIF," Working Papers 1336, BBVA Bank, Economic Research Department.
  17. Demirguc-Kunt, Asli & Klapper, Leora, 2012. "Measuring financial inclusion : the Global Findex Database," Policy Research Working Paper Series 6025, The World Bank.
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