Caso de estudio: el rol de la inclusión financiera en la desigualdad económica para países con y sin metas explícitas de inflación 2002 – 2019

• Autor: Chirinos Lau, Stephanie Lizette
• Formato: tesis de grado
• Fecha de Publicación: 2021
• Institución: Universidad de Lima
• Repositorio: ULIMA-Institucional
• Lenguaje: español
• OAI Identifier: oai:repositorio.ulima.edu.pe:20.500.12724/15042
• Enlace del recurso: https://hdl.handle.net/20.500.12724/15042
• Nivel de acceso: acceso abierto
• Materia: Finanzas; Aspectos sociales; Igualdad; Distribución del ingreso; Política monetaria; Finance; Social aspects; Equality; Income distribution; Monetary policy; https://purl.org/pe-repo/ocde/ford#5.02.01

The purpose of this case study is to analyze the development of financial inclusion and its implication in income distribution through a historical review of indicators related to the use, access and availability of the financial system, with an emphasis on the Peruvian economy. In addition, the main determinants that improve financial inclusion and the role of explicit inflation targets in this process will be studied. For the empirical analysis, a financial inclusion indicator was constructed for a sample of 78 economies (including Peru), divided into two groups differentiated by the adoption or not of the explicit inflation targeting scheme, and cross-sectional estimates were developed in order to check the significance of the main determinants of this variable and to show its relationship with the reduction in economic inequality. The results showed that better levels of financial inclusion imply, with a high degree of significance, a reduction in economic inequality, that is, financial inclusion has a positive and significant relationship with the improvement in income distribution. In addition, the beneficial effect that the explicit inflation targets have in reducing inequality is evident, which is attributed to the synergy generated by the scheme with the efforts for greater financial inclusion in the well-being of the population.