Bibliographic citations
Arrieta, C., (2024). Relación de las Condiciones de Discapacidad en el acceso al crédito como medida de Inclusión Financiera en Perú para el año 2019 [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/673991
Arrieta, C., Relación de las Condiciones de Discapacidad en el acceso al crédito como medida de Inclusión Financiera en Perú para el año 2019 [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2024. http://hdl.handle.net/10757/673991
@misc{renati/418170,
title = "Relación de las Condiciones de Discapacidad en el acceso al crédito como medida de Inclusión Financiera en Perú para el año 2019",
author = "Arrieta Flores, Cinthia Alexandra",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2024"
}
Financial inclusion refers to the ability of all people to access and effectively use the financial services and economic resources they need to meet their needs and improve their quality of life. In other words, it involves ensuring that all people have equal opportunities to participate fully in the financial and economic system of a society. Financial services include a wide range of products and services, such as savings accounts, checking accounts, credit, insurance, payment services and other financial instruments; but for this study, financial inclusion will be represented by access to credit. It is important to keep in mind that access to financial inclusion is not uniform, as there are specific groups that often face exclusions and greater challenges in this regard; One of these groups is people with disabilities, who may face more significant challenges when seeking to access financial services, such as the lack of inclusive policies, social discrimination and lack of awareness about the needs and capabilities of people with disabilities. disability. In this way, the present research analyzes the relationship between disability conditions and access to financial inclusion (access to credit). For this purpose, the National Household Survey (ENAHO) of 2019 will be used as the data source, and a logistic regression model will be employed to conduct the analysis. This econometric model will allow the decomposition of differences in access to credit between people with and without disabilities, identifying the parts explained by observable characteristics and the unexplained parts, which may reflect discrimination and other unobserved factors. Additionally, the Oaxaca-Blinder decomposition will be used to break down the differences in access to credit between people with and without disabilities. This technique will identify how much of the difference in access to credit is due to observable characteristics (such as income, education, age, and gender) and how much is due to differences in coefficients, which can be interpreted as a measure of discrimination.
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