Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)

Autores
Orazi, Sofia; Martinez, Lisana Belén; Vigier, Hernan Pedro
Año de publicación
2024
Idioma
inglés
Tipo de recurso
artículo
Estado
versión publicada
Descripción
The objective of this study is to provide a description of the main financial and digital instruments that the population under analysis has and uses. A set of characteristics of the head of house are considered and traditional financial instruments. Furthermore, it examines the possession of bank and non-bank credit instruments, distinguishing between vulnerable and non-vulnerable neighborhoods in the city of study, and then delves into the socioeconomic determinants of the possession and use of these financial and digital instruments. The methodology applied is descriptive and explanatory using probit models. The results highlight the need to facilitate access to formal financial instruments, harness the reach being generated by digital services, and emphasize the importance of promoting financing programs to meet the credit demands of the lower-income population.
Fil: Orazi, Sofia. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; Argentina
Fil: Martinez, Lisana Belén. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; Argentina
Fil: Vigier, Hernan Pedro. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; Argentina. Provincia de Buenos Aires. Dirección General de Cultura y Educación. Universidad Provincial del Sudoeste; Argentina
Materia
FINANCIAL INCLUSION
DIGITAL FINANCE
HOUSEHOLDS
Nivel de accesibilidad
acceso abierto
Condiciones de uso
https://creativecommons.org/licenses/by/2.5/ar/
Repositorio
CONICET Digital (CONICET)
Institución
Consejo Nacional de Investigaciones Científicas y Técnicas
OAI Identificador
oai:ri.conicet.gov.ar:11336/263180
Acceder
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spelling Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)Orazi, SofiaMartinez, Lisana BelénVigier, Hernan PedroFINANCIAL INCLUSIONDIGITAL FINANCEHOUSEHOLDShttps://purl.org/becyt/ford/5.2https://purl.org/becyt/ford/5The objective of this study is to provide a description of the main financial and digital instruments that the population under analysis has and uses. A set of characteristics of the head of house are considered and traditional financial instruments. Furthermore, it examines the possession of bank and non-bank credit instruments, distinguishing between vulnerable and non-vulnerable neighborhoods in the city of study, and then delves into the socioeconomic determinants of the possession and use of these financial and digital instruments. The methodology applied is descriptive and explanatory using probit models. The results highlight the need to facilitate access to formal financial instruments, harness the reach being generated by digital services, and emphasize the importance of promoting financing programs to meet the credit demands of the lower-income population.Fil: Orazi, Sofia. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; ArgentinaFil: Martinez, Lisana Belén. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; ArgentinaFil: Vigier, Hernan Pedro. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; Argentina. Provincia de Buenos Aires. Dirección General de Cultura y Educación. Universidad Provincial del Sudoeste; ArgentinaUniversidad de Santiago de Compostela2024-10-15info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionhttp://purl.org/coar/resource_type/c_6501info:ar-repo/semantics/articuloapplication/pdfapplication/vnd.openxmlformats-officedocument.wordprocessingml.documentapplication/pdfhttp://hdl.handle.net/11336/263180Orazi, Sofia; Martinez, Lisana Belén; Vigier, Hernan Pedro; Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina); Universidad de Santiago de Compostela; Estudios Economicos Regionales y Sectoriales; 24; 2; 15-10-2024; 1-201578-4460CONICET DigitalCONICETenginfo:eu-repo/semantics/altIdentifier/url/https://www.usc.gal/economet/rses.htminfo:eu-repo/semantics/altIdentifier/url/https://ideas.repec.org/a/eaa/eerese/v24y2024i2_1.htmlinfo:eu-repo/semantics/altIdentifier/url/https://dialnet.unirioja.es/servlet/articulo?codigo=9863009info:eu-repo/semantics/openAccesshttps://creativecommons.org/licenses/by/2.5/ar/reponame:CONICET Digital (CONICET)instname:Consejo Nacional de Investigaciones Científicas y Técnicas2025-10-22T11:04:16Zoai:ri.conicet.gov.ar:11336/263180instacron:CONICETInstitucionalhttp://ri.conicet.gov.ar/Organismo científico-tecnológicoNo correspondehttp://ri.conicet.gov.ar/oai/requestdasensio@conicet.gov.ar; lcarlino@conicet.gov.arArgentinaNo correspondeNo correspondeNo correspondeopendoar:34982025-10-22 11:04:16.319CONICET Digital (CONICET) - Consejo Nacional de Investigaciones Científicas y Técnicasfalse
dc.title.none.fl_str_mv Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
title Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
spellingShingle Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
Orazi, Sofia
FINANCIAL INCLUSION
DIGITAL FINANCE
HOUSEHOLDS
title_short Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
title_full Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
title_fullStr Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
title_full_unstemmed Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
title_sort Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina)
dc.creator.none.fl_str_mv Orazi, Sofia
Martinez, Lisana Belén
Vigier, Hernan Pedro
author Orazi, Sofia
author_facet Orazi, Sofia
Martinez, Lisana Belén
Vigier, Hernan Pedro
author_role author
author2 Martinez, Lisana Belén
Vigier, Hernan Pedro
author2_role author
author
dc.subject.none.fl_str_mv FINANCIAL INCLUSION
DIGITAL FINANCE
HOUSEHOLDS
topic FINANCIAL INCLUSION
DIGITAL FINANCE
HOUSEHOLDS
purl_subject.fl_str_mv https://purl.org/becyt/ford/5.2
https://purl.org/becyt/ford/5
dc.description.none.fl_txt_mv The objective of this study is to provide a description of the main financial and digital instruments that the population under analysis has and uses. A set of characteristics of the head of house are considered and traditional financial instruments. Furthermore, it examines the possession of bank and non-bank credit instruments, distinguishing between vulnerable and non-vulnerable neighborhoods in the city of study, and then delves into the socioeconomic determinants of the possession and use of these financial and digital instruments. The methodology applied is descriptive and explanatory using probit models. The results highlight the need to facilitate access to formal financial instruments, harness the reach being generated by digital services, and emphasize the importance of promoting financing programs to meet the credit demands of the lower-income population.
Fil: Orazi, Sofia. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; Argentina
Fil: Martinez, Lisana Belén. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; Argentina
Fil: Vigier, Hernan Pedro. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; Argentina. Provincia de Buenos Aires. Dirección General de Cultura y Educación. Universidad Provincial del Sudoeste; Argentina
description The objective of this study is to provide a description of the main financial and digital instruments that the population under analysis has and uses. A set of characteristics of the head of house are considered and traditional financial instruments. Furthermore, it examines the possession of bank and non-bank credit instruments, distinguishing between vulnerable and non-vulnerable neighborhoods in the city of study, and then delves into the socioeconomic determinants of the possession and use of these financial and digital instruments. The methodology applied is descriptive and explanatory using probit models. The results highlight the need to facilitate access to formal financial instruments, harness the reach being generated by digital services, and emphasize the importance of promoting financing programs to meet the credit demands of the lower-income population.
publishDate 2024
dc.date.none.fl_str_mv 2024-10-15
dc.type.none.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
http://purl.org/coar/resource_type/c_6501
info:ar-repo/semantics/articulo
format article
status_str publishedVersion
dc.identifier.none.fl_str_mv http://hdl.handle.net/11336/263180
Orazi, Sofia; Martinez, Lisana Belén; Vigier, Hernan Pedro; Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina); Universidad de Santiago de Compostela; Estudios Economicos Regionales y Sectoriales; 24; 2; 15-10-2024; 1-20
1578-4460
CONICET Digital
CONICET
url http://hdl.handle.net/11336/263180
identifier_str_mv Orazi, Sofia; Martinez, Lisana Belén; Vigier, Hernan Pedro; Determinants of financial and digital inclusion in households: A probit model applied to Bahia Blanca (Argentina); Universidad de Santiago de Compostela; Estudios Economicos Regionales y Sectoriales; 24; 2; 15-10-2024; 1-20
1578-4460
CONICET Digital
CONICET
dc.language.none.fl_str_mv eng
language eng
dc.relation.none.fl_str_mv info:eu-repo/semantics/altIdentifier/url/https://www.usc.gal/economet/rses.htm
info:eu-repo/semantics/altIdentifier/url/https://ideas.repec.org/a/eaa/eerese/v24y2024i2_1.html
info:eu-repo/semantics/altIdentifier/url/https://dialnet.unirioja.es/servlet/articulo?codigo=9863009
dc.rights.none.fl_str_mv info:eu-repo/semantics/openAccess
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eu_rights_str_mv openAccess
rights_invalid_str_mv https://creativecommons.org/licenses/by/2.5/ar/
dc.format.none.fl_str_mv application/pdf
application/vnd.openxmlformats-officedocument.wordprocessingml.document
application/pdf
dc.publisher.none.fl_str_mv Universidad de Santiago de Compostela
publisher.none.fl_str_mv Universidad de Santiago de Compostela
dc.source.none.fl_str_mv reponame:CONICET Digital (CONICET)
instname:Consejo Nacional de Investigaciones Científicas y Técnicas
reponame_str CONICET Digital (CONICET)
collection CONICET Digital (CONICET)
instname_str Consejo Nacional de Investigaciones Científicas y Técnicas
repository.name.fl_str_mv CONICET Digital (CONICET) - Consejo Nacional de Investigaciones Científicas y Técnicas
repository.mail.fl_str_mv dasensio@conicet.gov.ar; lcarlino@conicet.gov.ar
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