DETERMINANTS OF FINANCIAL AND DIGITAL INCLUSION IN HOUSEHOLDS: A PROBIT MODEL APPLIED TO BAHIA BLANCA (ARGENTINA)

Sofia Orazi, Lisana B. Martinez and Hernan P. Vigier

Regional and Sectoral Economic Studies, 2024, vol. 24, issue 2, 1-20

Abstract: The objective of this study is to provide a description of the main financial and digital instruments that the population under analysis has and uses. A set of characteristics of the head of house are considered and traditional financial instruments. Furthermore, it examines the possession of bank and non-bank credit instruments, distinguishing between vulnerable and non-vulnerable neighborhoods in the city of study, and then delves into the socioeconomic determinants of the possession and use of these financial and digital instruments. The methodology applied is descriptive and explanatory using probit models. The results highlight the need to facilitate access to formal financial instruments, harness the reach being generated by digital services, and emphasize the importance of promoting financing programs to meet the credit demands of the lower-income population.

Keywords: Financial; inclusion; –; Digital; finance; –; Households (search for similar items in EconPapers)
JEL-codes: C19 D14 O16 (search for similar items in EconPapers)
Date: 2024
References: Add references at CitEc
Citations:

Downloads: (external link)
http://www.usc.es/~economet/reviews/eers2421.pdf
No.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:eaa:eerese:v:24:y2024:i:2_1

Ordering information: This journal article can be ordered from
http://www.usc.es/economet/info.htm

Access Statistics for this article

More articles in Regional and Sectoral Economic Studies from Euro-American Association of Economic Development
Bibliographic data for series maintained by M. Carmen Guisan ().