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Household Access to Financial Services in Peru

Augusta Alfageme () and N.R. Ramírez-Rondán ()
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Augusta Alfageme: Banco Central de Reserva del Perú

Chapter 8 in Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, 2018, pp 245-277 from Centro de Estudios Monetarios Latinoamericanos, CEMLA

Abstract: A sound financial system benefits national growth by enabling households to access financial products, develop their financial abilities and achieve greater economic well-being, while encouraging the development of financial markets and contributing to the reduction of poverty and inequality. To this end, this work has two objectives: First, to describe the evolution of household access to financial services, proposing a methodology for measuring it using the National Household Surveys of Life Conditions and Poverty (ENAHO) in Peru, conducted by the National Institute of Statistics and Informatics of Peru (INEI) between 2004 and 2014. Second, to use the proposed measure of access to financial services to analyze its principal determinants, such as where there is a positive relation between income, education, and age regarding the level of access to financial services (bankarization), and a negative relation when living in rural areas or being in poverty.

Keywords: financial inclusion; households; Peru. (search for similar items in EconPapers)
JEL-codes: D14 G21 I22 (search for similar items in EconPapers)
Date: 2018
ISBN: 978-607-8582-00-6 (online)
Note: Joint Research Program of the Central Bank Researchers Network
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