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Social Media Instruments And The Promotion Of Financial Inclusion In Peruvian Rural Areas
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Book Synopsis Social Media Instruments and the Promotion of Financial Inclusion in Peruvian Rural Areas by : Alberto Chong
Download or read book Social Media Instruments and the Promotion of Financial Inclusion in Peruvian Rural Areas written by Alberto Chong and published by . This book was released on 2018 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study seeks to evaluate the use of short soap operas as a mechanism to promote the use of formal savings accounts among poor rural women that have been secularly excluded from healthy interactions with the formal financial sector. We developed a short soap opera (telenovela), named Josefa, which transmitted pro-savings messages using characters and stories that could generate a level of identification with the intended audience. We used an experimental design that randomly assigned eligible villages of Huancavelica, the poorest department in Peru, to treatment and control groups, and organized special viewing sessions inviting all beneficiaries of Juntos, the Peruvian CCT program, in the eligible villages. A year later, we found that women who were exposed to the treatment have an improved knowledge and attitude towards formal savings, especially for precautionary motives. We did not find a significant change at the end of bimester savings balances until the July-August bimester, which we interpret as evidence that the improved pro-savings attitude remained latent for several months, until right about the time cash surpluses are likely, due to post-harvest season. In searching for the underlying mechanisms, we find no income effect, but a strong empowerment effect within the household, mainly for economic and financial decisions, and especially among the women under 40, which is also the group that shows more robust temporary savings effects. Overall, we interpret these results as evidence that the edutainment approach can have an important contribution to the financial inclusion of poor rural women that have faced secular exclusion from formal financial institutions like the ones from the Peruvian Southern Sierra.
Book Synopsis Research Handbook on Measuring Poverty and Deprivation by : Jacques Silber
Download or read book Research Handbook on Measuring Poverty and Deprivation written by Jacques Silber and published by Edward Elgar Publishing. This book was released on 2023-03-02 with total page 777 pages. Available in PDF, EPUB and Kindle. Book excerpt: Encompassing chapters that address both unidimensional and multidimensional poverty, this timely Research Handbook explores all aspects of poverty and deprivation measurement, not only detailing broad issues but also scrutinising specific domains and aspects of poverty, such as health, energy and housing. Its succinct and highly focussed chapters, written by a diverse range of authors, employ a combination of theoretical and empirical methodologies to offer well-rounded explorations of complex topics.
Book Synopsis Edutainment, Savings, and Generational Differences in Rural Areas of Peru by : Alberto Chong
Download or read book Edutainment, Savings, and Generational Differences in Rural Areas of Peru written by Alberto Chong and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: We wrote, produced, and implemented a randomized five-episode soap opera on financial inclusion targeted to women from poor, rural areas ravaged by terrorism in Peru. We go beyond measuring attitudes and perceptions but observe actual savings accounts using bank data. Older women, those who directly suffered from terrorist violence, respond very well and save more two years after the intervention. Younger women, unborn or too little during the terrorist period, do not show any variation in their behavior. Key mediators of our findings are more involvement in economic decisions, higher earnings, and less time spent in domestic chores.
Book Synopsis Drivers and Barriers to Financial Inclusion in Peru by : Maria Zeta-Valladolid
Download or read book Drivers and Barriers to Financial Inclusion in Peru written by Maria Zeta-Valladolid and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite a highly conducive microfinance environment, Peru's financial inclusion indicators pale in comparison to other countries with similar income levels in the Latin American region. To date, most research has examined financial inclusion from a supply-side perspective, which measures access and usage of formal financial services by banking outreach indicators, number of borrowers, and availability of other financial services in a given area. This approach alone, however, is often insufficient to nuance the degree of financial exclusion faced by segments of the population. This research integrates demand-side indicators into the analysis of financial inclusion in Peru. Importantly, the metric employed measures usage of financial services rather than just access. For the quantitative analysis, the latest national household survey available, ENAHO 2013, is used to build a probit model that predicts the likelihood of being banked for all working-age adults in the sample. The findings suggest that financial exclusion is associated with rural residency, low income level, informal employment status, and low education level. The model also shows that being a female is associated with an increase in the probability of being banked. This positive effect, however, decreases by almost half for female heads of household. Finally, given the identified barriers to financial inclusion, I explore potential pathways to expand usage of formal financial services, highlighting the role of technology and government to people (G2P) transfers.
Book Synopsis Financial Inclusion of Small Rural Producers by : Francisco G. Villarreal
Download or read book Financial Inclusion of Small Rural Producers written by Francisco G. Villarreal and published by UN. This book was released on 2017 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is mounting empirical evidence that the responsible provision and use of formal financial services have a positive impact on household well-being and enterprise performance. At the individual level, financial inclusion benefits rural households and small producers by facilitating the safe accumulation of assets, enabling them to leverage those assets in order to invest in human and physical capital, and supporting better risk management. The positive effects at the aggregate level are associated with better allocation of scarce resources among different activities. Despite recent progress on different aspects of financial inclusion in Latin America and the Caribbean, large gaps remain, especially in rural areas, which have been historically neglected by traditional providers of financial services. This book describes how these gaps have evolved recently in five countries --Costa Rica, the Dominican Republic, El Salvador, Honduras and Mexico-- that are at different stages of designing and implementing comprehensive financial inclusion strategies. Then, on the basis of a comparative analysis of the institutional architecture available, it identifies the main barriers preventing small rural producers from accessing and making effective use of the various financial services on offer, with a view to making policy recommendations for overcoming these limitations.
Book Synopsis Freedom and Social Inclusion in a Connected World by : Yingqin Zheng
Download or read book Freedom and Social Inclusion in a Connected World written by Yingqin Zheng and published by Springer Nature. This book was released on 2022-11-19 with total page 632 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book constitutes the refereed proceedings of the 17th IFIP WG 9.4 International Conference on Social Implications of Computers in Developing Countries, ICT4D 2022, which was supposed to be held in Lima, Peru, in May 2021, but was held virtually instead due to the COVID-19 pandemic. The 40 revised full papers presented were carefully reviewed and selected from 58 submissions. The papers present a wide range of perspectives and disciplines including (but not limited to) public administration, entrepreneurship, business administration, information technology for development, information management systems, organization studies, philosophy, and management. They are organized in the following topical sections: digital platforms and gig economy; education and health; inclusion and participation; and business innovation and data privacy.
Book Synopsis Fintech and Financial Inclusion in Latin America and the Caribbean by : Mr. Dmitry Gershenson
Download or read book Fintech and Financial Inclusion in Latin America and the Caribbean written by Mr. Dmitry Gershenson and published by International Monetary Fund. This book was released on 2021-08-20 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the world. Case studies by national policy experts suggest that barriers to entry in the financial sector, along with a constraining regulatory environment, may have hindered a faster adoption of fintech. However, fintech development seems to have accelerated in the wake of the COVID-19 pandemic and with the support of recent policy initiatives.
Book Synopsis The Promise of Fintech by : Ms.Ratna Sahay
Download or read book The Promise of Fintech written by Ms.Ratna Sahay and published by International Monetary Fund. This book was released on 2020-07-01 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt: Technology is changing the landscape of the financial sector, increasing access to financial services in profound ways. These changes have been in motion for several years, affecting nearly all countries in the world. During the COVID-19 pandemic, technology has created new opportunities for digital financial services to accelerate and enhance financial inclusion, amid social distancing and containment measures. At the same time, the risks emerging prior to COVID-19, as digital financial services developed, are becoming even more relevant.
Book Synopsis Financial Inclusion of Small Rural Producers by :
Download or read book Financial Inclusion of Small Rural Producers written by and published by . This book was released on 2017 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is mounting empirical evidence that the responsible provision and use of formal financial services have a positive impact on household well-being and enterprise performance. At the individual level, financial inclusion benefits rural households and small producers by facilitating the safe accumulation of assets, enabling them to leverage those assets in order to invest in human and physical capital, and supporting better risk management. The positive effects at the aggregate level are associated with better allocation of scarce resources among different activities.Despite recent progress on different aspects of financial inclusion in Latin America and the Caribbean, large gaps remain, especially in rural areas, which have been historically neglected by traditional providers of financial services. This book describes how these gaps have evolved recently in five countries -Costa Rica, the Dominican Republic, El Salvador, Honduras and Mexico- that are at different stages of designing and implementing comprehensive financial inclusion strategies. Then, on the basis of a comparative analysis of the institutional architecture available, it identifies the main barriers preventing small rural producers from accessing and making effective use of the various financial services on offer, with a view to making policy recommendations for overcoming these limitations.
Download or read book PISA 2012 Results written by and published by . This book was released on 2014 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fintech by : International Monetary Fund
Download or read book Fintech written by International Monetary Fund and published by International Monetary Fund. This book was released on 2019-06-27 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper finds that while there are important regional and national differences, countries are broadly embracing the opportunities of fintech to boost economic growth and inclusion, while balancing risks to stability and integrity.
Book Synopsis Financial Inclusion in Asia-Pacific by : Ms.Elena Loukoianova
Download or read book Financial Inclusion in Asia-Pacific written by Ms.Elena Loukoianova and published by International Monetary Fund. This book was released on 2018-09-18 with total page 139 pages. Available in PDF, EPUB and Kindle. Book excerpt: Asia has made significant progress in financial inclusion, but both its across-country and intra-country disparities are among the highest in the world. The gaps between the rich and the poor, rural and urban populations, and men and women remain deep. Income is the main determinant of the level of financial inclusion; but other factors, such as geography, financial sector structure, and policies, also play important roles. While some countries in the Asia-Pacific region are leaders in fintech, on average the region lags behind others in several important areas such as online (internet) purchases, electronic payments, mobile money, and mobile government transfers. This Departmental Paper aims to take stock of the development and current state of financial inclusion and shed light on policies to advance financial inclusion in the region. The research focuses on the impact of financial inclusion on economic growth, poverty reduction, and inequality, linkages between financial inclusion and macroeconomic policies, as well as structural policies that are important for improving financial inclusion. Given the increasing importance of financial technologies (fintech), the paper also provides a snapshot of the fintech landscape in the Asia-Pacific.
Book Synopsis Global Financial Development Report 2014 by : World Bank Group
Download or read book Global Financial Development Report 2014 written by World Bank Group and published by World Bank Publications. This book was released on 2013-11-07 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second issue in a new series, Global Financial Development Report 2014 takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors.
Book Synopsis Women and Financial Education Evidence, Policy Responses and Guidance by : OECD
Download or read book Women and Financial Education Evidence, Policy Responses and Guidance written by OECD and published by OECD Publishing. This book was released on 2013-10-16 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides policy guidance to help policy makers address women's and girls' needs for financial education, and a comprehensive analysis of the current status of knowledge on gender differences in financial literacy and policy responses in terms of financial education for women and girls.
Book Synopsis Is Digital Financial Inclusion Unlocking Growth? by : Purva Khera
Download or read book Is Digital Financial Inclusion Unlocking Growth? written by Purva Khera and published by International Monetary Fund. This book was released on 2021-06-11 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: Digital financial services have been a key driver of financial inclusion in recent years. While there is evidence that financial inclusion through traditional services has a positive impact on economic growth, do the same results carry over for digital financial inclusion? What drives digital financial inclusion? Why does it advance more in some countries but not in others? Using new indices of financial inclusion developed in Khera et. al. (2021), this paper addresses these questions for 52 developing countries. Using cross-sectional instrument variable procedure, we find that the exogenous component of digital financial inclusion is positively associated with growth in GDP per capita during 2011-2018, which suggests that digital financial inclusion can accelerate economic growth. Fractional logit and random effects empirical estimation identifies access to infrastructure, financial and digital literacy, and quality of institutions as key drivers of digital financial inclusion. These findings are then used to help inform policy recommendations in areas related to the digitization of financial services to promote financial inclusion.
Book Synopsis Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by : El Bachir Boukherouaa
Download or read book Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.
Book Synopsis Digital finance and inclusion in the time of COVID-19 by : Benni, N.
Download or read book Digital finance and inclusion in the time of COVID-19 written by Benni, N. and published by Food & Agriculture Org.. This book was released on 2021-01-04 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: The COVID-19 pandemic has impacted digital financial inclusion trends across the world in many and complex ways. In developing and emerging contexts, this crisis also holds the potential to propel an unprecedented acceleration in the process of financial digitization and turn out to be a game-changer for digital financial inclusion. The aim of this study is to illustrate the opportunities and risks associated with the surge in uptake and use of digital financial service, providing ideas on how to leverage the paradigm changes affecting the overall approach and perspective towards digital financial services – on the part of various stakeholders – to advance financial inclusion and development. It also seeks to showcase how digital financial services have been used – in both traditional and innovative ways – to mitigate the impact of the COVID-19 crisis on economies and societies, by both public and private actors.
