Quispe Mamani Julio Cesar, Aguilar Pinto Santotomas Licimaco, Calcina Álvarez Dominga Asunción, Quispe Layme Marleny, Gutierrez Toledo Guino Percy, Condori Condori Gina Tamara, Vargas Espinoza Luis, Quispe Layme Wilian, Marca Maquera Hugo Rubén, Rosado Chávez Charles Arturo
Faculty of Economic Engineering, National University of the Altiplano, Puno, Peru.
Faculty of Administrative Sciences, Andean University Nestor Caceres Velasquez, Juliaca, Peru.
Front Sociol. 2024 Feb 16;9:1196651. doi: 10.3389/fsoc.2024.1196651. eCollection 2024.
The issue of financial inclusion considers access to and use of quality financial services by household members and different types of companies around the world, allowing us to reach the opportunities that the globalized world offers us. The objective of this research was to identify the socioeconomic factors that determined the inclusion of households in the financial system in Peru in the period of 2021. A quantitative approach was considered, which was non-experimental with a descriptive and correlational design and in which 81,441 pieces of data were obtained from the National Household Survey (ENAHO) of the National Institute of Statistics and Informatics, applying a logit binomial regression. It was determined that 47.02% of households were included in the financial system; 61.93% of those surveyed had their residence in the urban area; on average, respondents had incomplete secondary education; the age of the respondents on average was from 25 to 44 years; the average economic income of the household was less than $251 per month; 72.18% were represented by men as heads of the household and the rest by women; most of the respondents had a cohabiting marital status; the social conditions showed that 23.82% were in the group of being poor; and the majority of households did not have a property title. The determinants of financial inclusion in Peruvian households for 2021 were the area of residence, educational level, age of the respondent, economic income, gender of the respondent, marital status, social status, and property title.
金融包容性问题涉及世界各地家庭成员和不同类型公司获得和使用优质金融服务的情况，使我们能够抓住全球化世界为我们提供的机遇。本研究的目的是确定2021年期间决定秘鲁家庭融入金融体系的社会经济因素。研究采用定量方法，属于非实验性研究，具有描述性和相关性设计，从国家统计和信息研究所的全国住户调查（ENAHO）中获取了81441条数据，并应用了二项式逻辑回归。研究确定，47.02%的家庭融入了金融体系；61.93%的受访者居住在城市地区；受访者平均受教育程度为初中未毕业；受访者的平均年龄在25至44岁之间；家庭平均经济收入每月不到251美元；72.18%的家庭户主为男性，其余为女性；大多数受访者的婚姻状况为同居；社会状况显示，23.82%的人属于贫困群体；大多数家庭没有房产证。2021年秘鲁家庭金融包容性的决定因素包括居住地区、教育水平、受访者年龄、经济收入、受访者性别、婚姻状况、社会地位和房产证。
