Repositorio Institucional Universidad EAFIT ::Examinando por Materia "Inclusión financiera"

Examinando por Materia "Inclusión financiera"

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Análisis de la educación e inclusión financiera en Colombia como insumo para el proyecto de investigación en educación financiera escolar de Eafit Social
(2019) Touriño Uribe, Silvana Daniela; Dávila Román, José María; Vargas Sáenz, Mario Enrique
In Colombia, as in many parts of the world, we are aware of the need to encourage more people to have access to useful and affordable financial products and services that respond to the identified needs of the population. However, in Latin America, only five countries have a defined national strategy.
Análisis de los sistemas transaccionales en Colombia con respecto al sistema financiero de Bolivia, en términos de inclusión financiera
(Universidad EAFIT, 2020) Cardona Tombe, Liceth Viviana; Gómez Guzmán, Carol Andrea; Durango Gutiérrez, María Patricia
The purpose of this paper is to analyze the evolution of transactional payment systems in Colombia compared to Bolivia, as developing countries in Latin America, in terms of financial inclusion. For this, its evolution between the years 2016-2020 has been reviewed. There is also a brief description of the importance of the means of payment, a comparative analysis of the composition of the financial structure of both countries, and quantitative information to measure growth and projection for the years 2020-2024.
Análisis global de la dependencia entre la profundidad del mercado de capitales y la inclusión financiera
(Universidad EAFIT, 2019) Bolaños Correa, Sergio Andrés; Sanclemente Oyuela, Milton César; Tellez Falla, Diego Fernando
The development of capital markets is directly related to the economic development of a country. For this reason, it is possible to find deeper financial markets in mature economies than in underdeveloped or developing economies. However, in many cases, access to capital markets is restricted because of lack in financial inclusion, and only those with more privileges are the only whom can access to them, as it happens in most of developed economies. The present paper aims to analyze the dependence among financial inclusion policies and the development of deeper financial markets for different countries among developed economies (OECD members), developing economies and underdeveloped economies, with the objective to show how important is to promote financial inclusion at all levels to boost economic growth.
Análisis predictivo del riesgo de default en microcrédito un enfoque de machine learning en sector financiero
(Universidad EAFIT, 2024) Mendoza Trillos, Laura; Suárez Sierra, Biviana Marcela
Caso de comparación el sistema de pagos digital entre Colombia y China desde la perspectiva de la promoción a la inclusion financiera
(2019) Zapata Roldán, Marcela; Durango Gutiérrez, María Patricia
This paper aims to present the progress of the digital payment system in Colombia, compared to the People's Republic of China. Initially, a count is made of the beginning and evolution of the payment system in both countries. Next, we will proceed with the identification and analysis of the platforms that have been implemented by the different financial entities of the traditional banking system and the regulations that have governed this system. Finally, it analyzes the impact that the digital payment system has generated in the Colombian economy, taking as reference four financial entities, to conclude the use of mobile telephony, it is the most promoted payment system in the national market.
Confianza e inclusión financiera en Colombia
(Universidad EAFIT, 2017) Palacios Sánchez, Ángel Esneydher; Palacios Luna, Juan Manuel
La probabilidad de acceder a productos y servicios del sistema financiero está determinada por factores relacionados tanto con las entidades que las ofrecen como con las características de quienes los demandan -- En este trabajo se explorará esa probabilidad en Colombia mediante un análisis enfocado en las características de la demanda, haciendo énfasis en la confianza otorgada por los individuos hacia el sistema financiero -- El análisis empírico se realizará con datos de corte transversal tomados del portal digital del Banco Mundial para el año 2014 -- La investigación constituye un aporte a la literatura sobre inclusión financiera, y un llamado de atención a las entidades financieras sobre lo importante que es generar confianza entre los consumidores -- En particular, se encontró que aquellos individuos que desconfían del sistema financiero tienen una menor probabilidad de acceder a los servicios que las entidades que lo conforman ofrecen -- Adicionalmente, la educación y el ingreso se asocian positivamente con el acceso a cuenta de ahorro formales
Corresponsales bancarios y brechas de género en la inclusión financiera : un análisis del impacto en el crédito y ahorro en Colombia
(Universidad EAFIT, 2024) Rojas Pérez, Eliana Marcela; Valencia López, Diana Catalina; Álvarez Franco, Pilar Beatriz; Restrepo Tobón, Diego Alexander
Crédito digital : solución multisector adaptable a las necesidades del mercado
(Universidad EAFIT, 2019) Sabogal Bassil, Andrés Felipe; Torres Osejo, Carlos Andrés; Uribe de Correa; Beatriz Amparo
Improving banking coverage in emerging economies has proved to be challenging, especially if the goal is to develop financial services to improve the quality of life of those new to the marketplace. Colombia has faced these challenges with the help of public policy (Conpes 3424 de 2006; Conpes, 2006) that established the roadmap to make financial inclusion a reality on the short term. However, the small amount of public´s faith in traditional banks, high transaction costs, people´s disinterest in welcoming new banking technologies and a lack of strong physical presence along the country of retail banks; have driven low-income potential customers to interact with non-traditional banking institutions that have created targeted credit loans and loyalty plans in order to attract this part of the population. In the interest of proposing new ways of issuing credit and retail banking solutions, this thesis aims to determine the credit flow for digital lending that can meet the demand of those who require financing but do not have the knowledge to either create it or optimize it. It describes the current state of things for the banking industry in Colombia, analyzing market actors who have opted to develop and consume non-traditional lending products as a tool to achieve financial inclusiveness through targeted consumer and retail loans. In addition, it also details the credit flow, step by step, explaining each one of the operative aspects that are essential to get it into production.
Desarrollo de un esquema de gamificación usando componentes de behavioral finance para la empresa Monihub SAS
(Universidad EAFIT, 2021) Unigarro Fajardo, Diana Genith; Peña Higuavita, Germán Adolfo
Descomposición de brechas de género en la inclusión financiera en Bolivia, Brasil, Colombia y Perú
(Universidad EAFIT, 2023) Serna Rangel, Stefanía; Vergara Garavito, Judith Cecilia
Determinantes de la inclusión financiera en países de ingresos medios para el año 2014
(Universidad EAFIT, 2017) Tafur Tenorio, Lisa; Rendón Aguirre, Manuela; Cardona Sosa, Lina Marcela
Determinants of Digital Financial Inclusion in Latin America and The Caribbean
(Universidad EAFIT, 2023) Díaz Lara, Juan Manuel; Agudelo Zuluaga, Daniela Isabel; Álvarez Franco, Pilar Beatriz; Cruz Castañeda, Vivian
Diagnóstico sobre la inclusion financiera de las microempresas en el Área Metropolitana del Valle de Aburrá desde una óptica de su acceso y uso de productos financieros
(Universidad EAFIT, 2025) Garro Betancur, Elizabeth; Rave Arango, Natalia; Giraldo Hernández, Gina María; Johnson García, Santiago
The objective of this study is to diagnose the access and use of financial products related to savings, credit, and investment by micro-entrepreneurs in the “Aburrá Valley”, with the aim of contributing to their financial inclusion. Possible causes for the low access and use of financial products include factors such as financial education, the limited availability of products tailored to the needs of micro-entrepreneurs, their economic barriers, macroeconomic variables, risks of non-compliance, and geographic or infrastructural restrictions, among others. Through various methodologies, an analysis was conducted to better understand these limitations and provide recommendations to facilitate the access and use of financial products by micro-entrepreneurs in the metropolitan area of “Aburrá Valley”. Based on the results obtained, several conclusions have been drawn. It is expected that banks will design a more tailored and segmented offering that better meets the real needs of micro-entrepreneurs, supporting them in managing their businesses through a deeper understanding of their sector and providing them with tools to improve their financial literacy. Additionally, it is essential that microfinance institutions, cooperatives, and corporations continue advancing in digitalization and the use of technology to offer more competitive products in terms of interest rates. For their part, Fintech companies must take on a more significant role in offering savings, credit, and investment alternatives for micro-entrepreneurs.
Equidad algorítmica : un estudio aplicado al mercado hipotecario de los Estados Unidos
(Universidad EAFIT, 2024) Montoya Mesa, Ana María; Cruz Castañeda, Vivian; Álvarez Franco, Pilar
Estrategia para interesar posibles inversionistas en un negocio de tecnología financiera (Fintech) para MiPymes no bancarizadas, en la ciudad de Bogotá
(Universidad EAFIT, 2023) López Ochoa, Álvaro Andrés; Uribe de Correa, Beatriz Amparo
The main purpose of the study was to design a strategy aimed at attracting potential national and international investors to carry out a financial technology (FinTech) business for unbanked MSMEs in the city of Bogotá. For this, the background of financial technology (FinTech) and the description of the Todosistemas STI company were carried out, the financial technology business (FinTech) for unbanked MSMEs in the city of Bogotá was characterized, search strategies were explored and achievement of national and international investors, under the application of FinTech technological innovation in Colombia, the main aspects of interest of national and international investors were determined, along with a risk matrix, to finance working capital for Mipymes, using financial technology (FinTech) in Colombia, and a proposal was prepared to present strategies for national and international investors, with their main aspects of interest, for making working capital loans through financial technology (FinTech). Based on the above, a documentary review process and semistructured interviews were carried out that led to the approach of the indicated proposal, based on the main elements that investors take into account to evaluate investment proposals in such a way that they can be acquired. investors and capital to get FinTech Tyque up and running.
La experiencia del uso del dinero en las personas de bajos ingresos de la ciudad de Bogotá : un análisis cualitativo desde el mercadeo
(Universidad EAFIT, 2019) Higuera Torres, Gabriela; Flechas Briceño, Gonzalo Alberto; Macías Prada, John; Macías Prada, John Fernando
Explorando el vínculo entre el crédito formal y la seguridad alimentaria. Evidencia para los hogares de Perú
(Universidad EAFIT, 2024) Sánchez Londoño, Jair Andrés; Restrepo Londoño, Jaime Andrés; Cruz Castañeda, Vivian; Álvarez Franco, Pilar Beatriz
Factores determinantes en la toma de un crédito gota a gota por la población de Palmira
(Universidad EAFIT, 2022) Corrales Betancourt, Angélica María; Torres Fernández, Eveling Andrea; Álvarez Franco, Pilar Beatriz
In this research, the main determining factors that directly influence the population of Palmira city (Colombia), to resort drop by drop credits are identified. A quantitative research with a descriptive approach is developed. The sample was random, and consisted of 413 interviewed inhabitants of Palmira, who were chosen at the center of the city. The Logit regression model was used to obtain the statistical analyses of the qualitative and quantitative variables of the population. Whit a confidence level of 95%, the main determinants for accessing to this type of credit are those associated whit income, expenses, economic conditions, attitudes towards money and monetary poverty. In general, the users of the daily payday loans responded that they belonged to strata 1, 2 and 3, had a low level of financial knowledge and were unaware of the interest rate agreed for these loans.
Factores que han permitido el desarrollo de las Fintech
(2018) Gallo Echeverri, Daniel; Gaitán Riaño, Sandra Constanza
In this document it was realized a path through the evolution of the term Fintech from its origins in the XIX century -- The Fintech ecosystem was analyzed where the academy recognized the components that had some influence such as the technological developments, governments, traditional financial entities and financial customers -- These factors presented important changes in the first decade of the XXI century that generated its development -- They were e-finance, social network, artificial intelligence and big data -- It was found that millennial’s demographic characteristics adjust to services offer by fintech companies -- It was described the strengths and weaknesses of the peer-to-peer business model, which has had a strong effect in the financial industry -- Finally, it was concluded how the repercussions of the Subprime Crisis in 2007 in the United States encouraged the development of Fintech and the main task these companies should focus is the confidence and security of their services and products to continue getting more clients and competing with banks
Factores que influyen en el acceso y uso de los servicios financiero en Colombia
(Universidad EAFIT, 2023) Rangel Cantero, Jordy Luis; Medina Gaspar, Daniel Santiago

Examinando por Materia "Inclusión financiera"

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