La relación entre la inclusión financiera y la inclusión social: evidencias de Brasil

Tânia Maia Fialho, Luciana Costa Cordeiro, João Guilherme Magalhães Timotio and Wagner de Paulo Magalhães Santiago
Additional contact information
Tânia Maia Fialho: Universidad Estatal de Montes Claros
Luciana Costa Cordeiro: Universidad Estatal de Montes Claros
João Guilherme Magalhães Timotio: Universidad Estatal de Montes Claros
Wagner de Paulo Magalhães Santiago: Universidad Estatal de Montes Claros

El Trimestre Económico, 2025, vol. 92 (2), issue 366, 451-475

Abstract: This article analyzes the behavior of financial inclusion in Brazil and its interrelationship with social inclusion as a fundamental pillar of sustainable development. We employed indicators of access and use of financial services provided by the Global Findex Database and the Time Series Generator System of the Central Bank of Brazil, considering the period from 2011 to 2021. From the analysis of the data and the documentary sources, we conclude that financial inclusion in Brazil follows the demand-pull pattern since it is much more driven by the distributive public policies of the federal government than by measures aimed at greater access and use of financial services, which are typical of the system. Hence the perception that there is no financial inclusion without social inclusion and that both are interdependent. For financial inclusion to be effective, it is essential to have a new regulation of the financial system that not only privileges the profitability rate of the sector, but also establishes a new order that considers the insertion in the system, its use, and the use of financial services of economically less favored classes.

Keywords: Financial inclusion; social inclusion; credit; income. (search for similar items in EconPapers)
JEL-codes: G20 G23 (search for similar items in EconPapers)
Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
https://www.eltrimestreeconomico.com.mx/index.php/te/article/view/2210

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:elt:journl:v:92:y:2025:i:366:p:451-475

Ordering information: This journal article can be ordered from
Order print issues directly in our web page or with Guadalupe Galicia at Fondo de Cultura Económica, El Trimestre Económico, Carretera Picacho Ajusco 227, 2° piso, Col. Bosques del Pedregal, CP 14738, Tlalpan, Ciudad de México
http://www.eltrimestreeconomico.com.mx

DOI: 10.20430/ete.v92i366.2210

Access Statistics for this article

El Trimestre Económico is currently edited by Orlando Delgado Selley, Saúl Escobar Toledo, Jorge Isaac Egurrola and José Valenzuela Feijóo

More articles in El Trimestre Económico from Fondo de Cultura Económica
Bibliographic data for series maintained by Nuria Pliego Vinageras ().