Inclusión financiera y desarrollo económico del Ecuador: Período 2012 – 2021.
Financial inclusion is an important factor in a nation’s economic development. Throughout history, efforts have been made to include marginalized sectors of the population in accessing financial products and services, as they have been excluded in some way due to ethnic, religious, political, social...
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| Формат: | bachelorThesis |
| Мова: | spa |
| Опубліковано: |
2023
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| Предмети: | |
| Онлайн доступ: | https://dspace.unl.edu.ec/jspui/handle/123456789/27072 |
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Додати тег | Резюме: | Financial inclusion is an important factor in a nation’s economic development. Throughout history, efforts have been made to include marginalized sectors of the population in accessing financial products and services, as they have been excluded in some way due to ethnic, religious, political, social, economic, or gender-based reasons worldwide. One recognized leader in this field is Yunus, who applied his knowledge acquired through higher education abroad to improve the economy of his home country, India, through financial inclusion. Financial inclusion is measured by indicators such as the number of savings accounts, deposits or placements, while economic development is measured by indicators such as gross domestic product (GDP), employment, underemployment, unemployment, and the Gini coefficient. In this research, these indicators have been selected for their corresponding analysis for the period 2012-2021. The objective is to determine the influence of financial inclusion on economic development in Ecuador using multivariate techniques. Financial inclusion is important for the country’s economic development, as many people require financing to start a business, carry out daily activities, pursue education, or invest in their source of income. Furthermore, financial products and services are essential for promoting savings, which is a fundamental pillar for economic development. To achieve this, a quantitative approach is used, applying the scientific method divided into deductive and inductive reasoning, along with multivariate, econometric, statistical and bibliographic techniques. The most relevant results show a positive correlation between savings accounts and GDP, indicating the positive impact of savings accounts on economic development. Additionally, savings accounts and remittances have a positive influence on the economy. There are also positive interrelationships between financial inclusion and the development of the economy, as evidenced by the evolution of GDP and favorable variations in employment rates. In conclusion, financial inclusion is vital for economic development. |
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