¿Tener una buena calificación crediticia sin haber pedido antes un préstamo? Una propuesta para la inclusión financiera

• Autor: Delgado Yábar, María Paz
• Formato: artículo
• Fecha de Publicación: 2022
• Institución: Pontificia Universidad Católica del Perú
• Repositorio: PUCP-Institucional
• Lenguaje: español
• OAI Identifier: oai:repositorio.pucp.edu.pe:20.500.14657/193290
• Enlace del recurso: https://revistas.pucp.edu.pe/index.php/themis/article/view/26489/24937; https://repositorio.pucp.edu.pe/index/handle/123456789/193290; https://doi.org/10.18800/themis.202201.007
• 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; https://purl.org/pe-repo/ocde/ford#5.05.01

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.