Financial inclusion and its heterogeneous effect on household income

Gallego Acevedo, Juan Miguel; Jaramillo, Fernando; Rodríguez-González, David

doi:https://doi.org/10.48713/10336_45579

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Financial inclusion and its heterogeneous effect on household income

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dc.creator	Gallego Acevedo, Juan Miguel	spa
dc.creator	Jaramillo, Fernando	spa
dc.creator	Rodríguez-González, David	spa
dc.date.accessioned	2025-06-05T20:21:28Z
dc.date.available	2025-06-05T20:21:28Z
dc.date.created	2020-11-01	spa
dc.date.issued	2020-11-01	spa
dc.description	This paper examines how, in the main Colombian cities, the effect of financial inclusion (FI) on income changes along the distribution of household income considering labor informality. We construct a multidimensional FI indicator based on the World Bank definition and on the data. Using a quantile regression technique, we estimate the effect of FI on income at each quantile for informal and formal households. The findings indicate that FI has a positive impact throughout the income distribution but is greater in low-income and informal households. The results suggest that FI can have potential effects in alleviating poverty and closing the income gap.	spa
dc.format.extent	29 pp	spa
dc.format.mimetype	application/pdf	spa
dc.identifier.doi	https://doi.org/10.48713/10336_45579
dc.identifier.uri	https://repository.urosario.edu.co/handle/10336/45579
dc.language.iso	eng	spa
dc.publisher	Universidad del Rosario	spa
dc.publisher	Alianza EFI	spa
dc.publisher.department	Facultad de Economía	spa
dc.rights	Attribution-NonCommercial-NoDerivatives 4.0 International	spa
dc.rights.accesRights	info:eu-repo/semantics/openAccess	spa
dc.rights.acceso	Abierto (Texto Completo)	spa
dc.rights.uri	http://creativecommons.org/licenses/by-nc-sa/4.0/	spa
dc.source.instname	instname:Universidad del Rosario	spa
dc.source.reponame	reponame:Repositorio Institucional EdocUR	spa
dc.subject.keyword	Financial inclusion	eng
dc.subject.keyword	Household income	eng
dc.subject.keyword	Labor informality	eng
dc.subject.keyword	Colombian cities	eng
dc.subject.keyword	Multidimensional indicator	eng
dc.subject.keyword	Quantile regression	eng
dc.subject.keyword	Informal households	eng
dc.title	Financial inclusion and its heterogeneous effect on household income	spa
dc.type	workingPaper	spa
dc.type.hasVersion	info:eu-repo/semantics/publishedVersion	spa
dc.type.spa	Documento de trabajo	spa
local.department.report	Facultad de Economía