FINANCIAL INCLUSION, CREDIT AND SAVINGS UNIONS AND POVERTY REDUCTION IN AYACUCHO, 2000-2020

• Autor: Grados Smith, Pedro
• Formato: artículo
• Fecha de Publicación: 2022
• Institución: Universidad San Martin de Porres
• Repositorio: Revista Gobierno y Gestión Pública
• Lenguaje: español
• OAI Identifier: oai:ojs.revistagobiernoydegestionpublica.com:article/303
• Enlace del recurso: https://revistagobiernoygestionpublica.usmp.edu.pe/index.php/RGGP/article/view/303
• Nivel de acceso: acceso abierto
• Materia: Pobreza; desigualdad; empleo informal; inclusión financiera; seguro de salud; Poverty; inequality; informal employment; financial inclusion; health insurance

This article is based on my doctoral thesis supported in June 2022. The main objective is to demonstrate that the reduction of poverty in Peru in this century was related to financial inclusion mechanisms, recognizing that GDP growth is the main factor that reduces poverty. Two econometric models are presented, the first at the aggregate level and the second at the specific level to analyze the main problems that are the main determinants of poverty reduction. The results of the first model showed financial inclusion as a determinant of the decrease in the use of poverty, measured as an indicator that concentrates penetration, availability and banking. Likewise, the first model considers the growth of income per capita by department, among other variables. In the second model, data from the Credit and Savings Unions -UNICAS- of Ayacucho were used to quantify the decrease in poverty in the districts where this public policy of financial inclusion was applied. The results of the second model show a decrease of five percentage points of poverty in the districts where the UNICAS are implemented.