Having a good credit rating without having borrowed before? A proposal for financial inclusion

• Autor: Delgado Yábar, María Paz
• Formato: artículo
• Fecha de Publicación: 2022
• Institución: Pontificia Universidad Católica del Perú
• Repositorio: Revistas - Pontificia Universidad Católica del Perú
• Lenguaje: español
• OAI Identifier: oai:revistaspuc:article/26489
• Enlace del recurso: http://revistas.pucp.edu.pe/index.php/themis/article/view/26489
• Nivel de acceso: acceso abierto
• Materia: Financial inclusion; Cash redeemable savings vouchers; FinTech; Sandbox regulation; Credit record; Unbanked population; Inclusión financiera; Regulación sandbox; Bancarización; Calificación crediticia

Financial inclusion is both a process and a challenge, especially in countries like Peru, where many people are not part of the financial system. The author provides a business idea and a regulation proposal that could help in one of the aspects that affects the unbanked population, not having a credit record.The absence of a credit rating means that many people are rejected by the formal financial system, thus creating a vicious circle that leads to the development of a parallel informal financial system. The article proposes a novel way to help people build a credit history and thus be able to access more financial products at lower costs.