Financial inclusion and socioeconomic well-being
DOI:
https://doi.org/10.5281/zenodo.18175180Keywords:
financial inclusion, poverty, socioeconomic well-beingAbstract
Globally, the evolution of financial inclusion is reflected in the increase in the number of people who have greater opportunities to access financial services, which has an impact on the generation of new income and, therefore, on improvements in quality of life. This research evaluates financial inclusion and its impact on socioeconomic well-being in Pedernales during 2024, considering sociodemographic and economic variables. The dependent variable of the study is economic well-being, measured as a dichotomous variable, while the main explanatory variable is financial inclusion. Data collected through a structured survey applied to a sample of 376 people was used. An explanatory quantitative approach was applied, and the analysis was performed using descriptive statistics and multiple logistic regression. The results show that the financial inclusion index has a significant effect on the probability of not being poor, with a significance of 0.0%. Other sociodemographic factors also showed significant effects, such as urban area, gender, and educational level; the factor that did not show significance was age. These findings underscore the importance of strengthening access to financial services in rural areas, providing greater access to credit for women, and facilitating formal employment opportunities for the entire population.
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Copyright (c) 2025 Sintia Monserrate Giler Macías, Scarlet Susana Lalangui Molina, Kimberly Nicolle Briones Mero, David Alexander Márquez Nevárez, Ibeth Valentina Quiroz Palma
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