Bibliographic citations
Castro, D., (2024). La inclusión financiera y su relación con el ingreso de los comerciantes del mercado de Vinocanchon, distrito de San Jerónimo, provincia y región Cusco 2020 y 2022 [Universidad Andina del Cusco]. https://hdl.handle.net/20.500.12557/7003
Castro, D., La inclusión financiera y su relación con el ingreso de los comerciantes del mercado de Vinocanchon, distrito de San Jerónimo, provincia y región Cusco 2020 y 2022 []. PE: Universidad Andina del Cusco; 2024. https://hdl.handle.net/20.500.12557/7003
@misc{renati/1122376,
title = "La inclusión financiera y su relación con el ingreso de los comerciantes del mercado de Vinocanchon, distrito de San Jerónimo, provincia y región Cusco 2020 y 2022",
author = "Castro Huamán, Dayana Sharon",
publisher = "Universidad Andina del Cusco",
year = "2024"
}
Currently we are in the generation of digital transformation, the financial system faces changes that generate new trends in providing financial services. In the case of this research, we focus on the transformation of traditional payment methods to digital payments and this access and use generates greater economic profitability for merchants. Therefore, the main objective of this research is to determine the relationship between financial inclusion and the income of merchants in the Vinocanchon market in the San Jerónimo district. The research is of a descriptive correlational scope with a quantitative approach, a sample of 293 market traders was taken to apply a structured questionnaire with 20 questions which were analyzed with tables and figures, where the results are that 88% of the traders They are female, the vast majority of whom range in age from 41 to 50 years, with a level of secondary education completed, 83.9% are independent merchants, 59.1% of merchants access credit from the financial system and 42% access it by saving. your money. Around 58% of merchants prefer not to save in the financial system; they prefer to save on merchandise. 70.5% of merchants today use digital applications which helps them in their relationship with their customers and these merchants who use digital applications in commercial transactions have better income levels compared to those merchants who do not use them. digital applications this difference is around 200 soles, the conclusions reached in the investigation are: The merchants of the Vinocanchon market have access to the financial system where 59.1% of the merchants access credits offered by financial institutions and 42% of the merchants have savings in the financial system, the vast majority of these merchants save in the municipal savings banks. of savings and credit by 34%, the credit levels that 36.1% of merchants obtain for their economic activity is up to 5,000 soles, the destination they give to this financial resource is for the purchase of merchandise 79.1% in terms of access to savings, 42% of merchants save in the financial system, whether in a bank, savings bank or cooperative. But 58% of merchants save their money on merchandise 21%, on tambourines 18.9% at home 11.2% and trusted people 4.2%. The use of financial services by the merchants of the Vinocanchon market occurs with the use of credit cards to cash the money at any time it is needed, so 46.4% of the merchants have these cards, it is like this that 66.9% know their use of ATMs, 69.9%a know the use of banking agents and what they know the most are the digital applications 70.5%, in terms of their use of these financial services it is the digital application through of cell phone use such as yape, plin and other applications with 69.2%, use of banking agents 52.5% and use of ATMs with 50.7%. The most common frequency of use is daily. The perception of the quality of service of financial services in general is good at 47.2% and very good at 39.8% in digital applications since it makes it easier and helps them a lot in their economic activities and allows them to further increase their sales since the Customers also make use of digital payments through cell phones. The hypothesis test proposed on the relationship that exists between financial inclusion and the income of merchants concludes that there is a significant difference between the average income with the use of digital payments. The average income of merchants before the use of digital payments is 548.70 soles, this income with the use of digital payments increases to an average of 708.33 soles and according to the hypothesis test for cases of assuming equal variances or variances different, it can be concluded that if the average income has suffered a variation of approximately 200 soles for those merchants who switched to the use of financial services with 95% confidence that the value of Sig for both cases is 0.0000, this value is less than α =0.05 which implies that the null hypothesis is rejected and the alternative hypothesis is accepted which indicates that access, use and quality of financial services have a positive relationship with income, this also means that with the digital applications used by Merchants' income is different from those they do not use and at the same time they see that there is a greater income with the use of financial services.
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