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Credit Unions in Chile: What is their Role?

Antonio Lemus () and Cristian Rojas

No 2019-27, EconomiX Working Papers from University of Paris Nanterre, EconomiX

Abstract: This paper questions the role that credit unions play in the Chilean financial system, particularly if they allow financial inclusion. For this purpose, using unique statistical information existing at the CMF, the credit and savings behavior of credit unions’ members is studied, with granularity at the individual level. The results indicate that credit unions effectively contribute to financial inclusion, providing financial services mostly to people with low incomes, elderly, women, and inhabitants of small communities, far from the large urban centers.

Keywords: credit unions; financial inclusion; credit (search for similar items in EconPapers)
JEL-codes: G21 G28 P13 (search for similar items in EconPapers)
Pages: 30 pages
Date: 2019
New Economics Papers: this item is included in nep-fle and nep-pay
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