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
- Institución
- Consejo Nacional de Investigaciones Científicas y Técnicas
- OAI Identificador
- oai:ri.conicet.gov.ar:11336/263180
Ver los metadatos del registro completo
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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 Técnicas2025-09-29T09:36:11Zoai: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:34982025-09-29 09:36:12.176CONICET 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 https://creativecommons.org/licenses/by/2.5/ar/ |
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 |
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CONICET Digital (CONICET) |
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CONICET Digital (CONICET) |
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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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1844613132917407744 |
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13.070432 |