Financial inclusion of remittance recipients and non-recipients in Mexico

IF 1 Q4 MANAGEMENT

Intangible Capital Pub Date : 2022-10-14 DOI:10.3926/ic.2056

A. Pardo-Montaño, C. Dávila-Cervantes

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引用次数: 0

Abstract

Purpose: Financial inclusion of remittance recipients has been seldom analyzed in Mexico. Studies about remittance reception have focused on the factors that explain their reception, their primary uses or whether they generate development in the receiving communities. We analyze the characteristics of remittance receiving and non-receiving households associated with their financial inclusion and the institutional actions aimed at fulfilling this task.Design/methodology/approach: We carried out a quantitative study using the National Financial Inclusion Survey of 2015. We calculated a principal component analysis to generate a financial inclusion index, a latent class analysis and a linear regression model to estimate the effect of remittance reception and the socio-demographic characteristics on financial inclusionFindings: We found that a low percentage of people have a high financial inclusion in Mexico. By focusing on the main characteristics of remittance recipients and non-recipients associated with financial inclusion, we found that the main variables that explain this inclusion are: age ¾the older the age, the more inclusion¾, being a head of household, schooling level ¾the more schooling, the more inclusion¾, living in urban areas, having a job, and receiving remittances.Originality/value: We highlight the importance of considering the economic benefits that financial inclusion generates, as well as the implications that indebtedness can bring to households.

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墨西哥汇款收款人和非收款人的金融包容性

目的:墨西哥很少对汇款收款人的普惠金融进行分析。关于汇款接收的研究侧重于解释汇款接收的因素、汇款的主要用途或汇款是否在接收社区产生发展。我们分析了汇款收款人和非汇款收款人与普惠金融相关的特征，以及为完成这一任务而采取的制度性行动。设计/方法/方法:我们使用2015年全国金融包容性调查进行了定量研究。我们计算了主成分分析来生成普惠金融指数、潜在类别分析和线性回归模型，以估计汇款接收和社会人口特征对普惠金融的影响。研究发现:在墨西哥，拥有高普惠金融的人口比例很低。通过关注与金融普惠相关的汇款收款人和非汇款收款人的主要特征，我们发现解释这种包容性的主要变量是:年龄(年龄越大)、包容性(越强)、作为一家之主、受教育程度(受教育程度越高)、包容性(越强)、居住在城市地区、有工作和接收汇款。原创性/价值:我们强调考虑普惠金融产生的经济效益的重要性，以及债务可能给家庭带来的影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Intangible Capital MANAGEMENT-

CiteScore

1.50

自引率

16.70%

发文量

审稿时长

33 weeks

期刊介绍： The aim of Intangible Capital is to publish theoretical and empirical articles that contribute to contrast, extend and build theories that contribute to advance our understanding of phenomena related with management, and the management of intangibles, in organizations, from the perspectives of strategic management, human resource management, psychology, education, IT, supply chain management and accounting. The scientific research in management is grounded on theories developed from perspectives taken from a diversity of social sciences. Intangible Capital is open to publish articles that, from sociology, psychology, economics and industrial organization contribute to the scientific development of management and organizational science. Intangible Capital publishes scholar articles that contribute to contrast existing theories, or to build new theoretical approaches. The contributions can adopt confirmatory (quantitative) or explanatory (mainly qualitative) methodological approaches. Theoretical essays that enhance the building or extension of theoretical approaches are also welcome. Intangible Capital selects the articles to be published with a double bind, peer review system, following the practices of good scholarly journals. Intangible Capital publishes three regular issues per year following an open access policy. On-line publication allows to reduce publishing costs, and to make more agile the process of reviewing and edition. Intangible Capital defends that open access publishing fosters the advance of scientific knowledge, making it available to everyone. Intangible Capital publishes articles in English, Spanish and Catalan.