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Cruz, M., Quisiyupanqui, M. (2018). Factores limitantes de la inclusión financiera en el departamento de Cusco 2017. [Tesis, Universidad Andina del Cusco]. https://hdl.handle.net/20.500.12557/2316
Cruz, M., Quisiyupanqui, M. Factores limitantes de la inclusión financiera en el departamento de Cusco 2017. [Tesis]. : Universidad Andina del Cusco; 2018. https://hdl.handle.net/20.500.12557/2316
@misc{renati/17921,
title = "Factores limitantes de la inclusión financiera en el departamento de Cusco 2017.",
author = "Quisiyupanqui Luza, Milagros",
publisher = "Universidad Andina del Cusco",
year = "2018"
}
Título: Factores limitantes de la inclusión financiera en el departamento de Cusco 2017.
Asesor(es): Castillo Mamani, Wilberth
Palabras clave: Sistema financiero; Inclusión financiera; Modelo logit; Educación; Zona geográfica; Vivienda
Fecha de publicación: 11-dic-2018
Institución: Universidad Andina del Cusco
Resumen: La Inclusión Financiera es parte fundamental del Sistema Financiero, sin embargo,
en el departamento del Cusco se ha notado una brecha con respecto al uso y acceso de
servicios financieros, no existe una oferta de productos y servicios acordes a las
necesidades de los usuarios, donde existen variables que son barreras para la inclusión
financiera.
Por lo tanto, el objetivo general de nuestra investigación es establecer los factores
limitantes que inciden en la Inclusión Financiera en el departamento del Cusco al año
2017, es por ello que la presente investigación estudia las variables independientes como
educación, ingreso, zona geográfica, genero, edad, tenencia de la vivienda en relación a la
Inclusión Financiera.
Para ello se utilizó la encuesta nacional de hogares ENAHO-2017 donde obtuvimos
una muestra de 2810 habitantes para el departamento de Cusco. Se utilizó metodología de
corte transversal, la cual fue estimada mediante un modelo binomial Logit.
Los resultados obtenidos en la investigación nos permitieron ratificar nuestra
hipótesis general, el cual menciona que los factores como educación, ingreso, zona
geográfica, género, edad y tenencia de la vivienda inciden de manera significativa como
limitantes en la Inclusión Financiera en el departamento de Cusco en el año 2017.
Finalmente, de la presente investigación podemos añadir que para lograr una mayor
Inclusión Financiera es necesario el trabajo conjunto del sector público y privado para que
logren el fortalecimiento en educación financiera, cultura de ahorro formal, innovación en
diseño de productos y servicios financieros.
Financial Inclusion is a fundamental part of the Financial System, however, in the department of Cusco there has been a gap with respect to the use and access of financial services, there is no offer of products and services according to the needs of users, where there are variables that are barriers to financial inclusion. The general objective of our research is to establish the limiting factors that affect Financial Inclusion in the department of Cusco in 2017, which is why this research studies the independent variables education, income, geographical area, gender, age, tenure of housing in relation to financial Inclusion. For this purpose, the cross-sectional methodology was used, using a Logit binomial model. For this, the national household survey ENAHO-2017 was used, where we obtained a sample of 2810 inhabitants for the department of Cusco. Cross-sectional methodology was used, which was estimated using a Logit binomial model. The findings obtained in our research allows us to corroborate our general research hypothesis which mentions that factors such as education, income, geographical area, gender, age and housing tenure significantly affect the financial Inclusion in the department of Cusco in the year 2017. Finally, from this research we can add that in order to achieve greater financial Inclusion it is necessary to work jointly with the public and private sectors that achieve strengthening in financial education, formal savings culture, innovation in product design and financial services.
Financial Inclusion is a fundamental part of the Financial System, however, in the department of Cusco there has been a gap with respect to the use and access of financial services, there is no offer of products and services according to the needs of users, where there are variables that are barriers to financial inclusion. The general objective of our research is to establish the limiting factors that affect Financial Inclusion in the department of Cusco in 2017, which is why this research studies the independent variables education, income, geographical area, gender, age, tenure of housing in relation to financial Inclusion. For this purpose, the cross-sectional methodology was used, using a Logit binomial model. For this, the national household survey ENAHO-2017 was used, where we obtained a sample of 2810 inhabitants for the department of Cusco. Cross-sectional methodology was used, which was estimated using a Logit binomial model. The findings obtained in our research allows us to corroborate our general research hypothesis which mentions that factors such as education, income, geographical area, gender, age and housing tenure significantly affect the financial Inclusion in the department of Cusco in the year 2017. Finally, from this research we can add that in order to achieve greater financial Inclusion it is necessary to work jointly with the public and private sectors that achieve strengthening in financial education, formal savings culture, innovation in product design and financial services.
Enlace al repositorio: https://hdl.handle.net/20.500.12557/2316
Disciplina académico-profesional: Economía
Institución que otorga el grado o título: Universidad Andina del Cusco. Facultad de Ciencias Económicas, Administrativas y Contables
Grado o título: Economista
Fecha de registro: 18-mar-2019
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