Examinando por Autor "Restrepo Jaramillo, Juliana"

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    Impacto de la inclusión financiera en los indicadores de pobreza y desiguadad de ingresos en los departamentos de Colombia
    (Universidad EAFIT, 2021) Mona Mejía, Dany Alexis; Restrepo Jaramillo, Juliana; Goda, Thomas
    The indices of poverty and income inequality in Colombia have decreased between 2000 and 2019. A possible explanation for this reduction is the increase in financial inclusion of vulnerable households in the country, global case studies have shown that, depending on the socioeconomic and specific to the financial system conditions of each territory, financial inclusion can reduce inequality and poverty. The objective of this paper is to verify empirically if financial inclusion contributed to the reduction of inequality and poverty in the states of Colombia during the years 2009 and 2019. The obtained results indicate that the used measure of financial inclusion does not significantly affect poverty and inequality measures in Colombia. One potential explanation for this finding is that the most vulnerable households do not have access to a wide array of financial instruments; or that their access has not had the expected effect because they opt for consumer loans and become overindebted instead of increasing their savings and investment.