LA INCLUSIÓN FINANCIERA, LAS UNIONES DE CRÉDITO Y AHORRO Y LA DISMINUCIÓN DE LA POBREZA EN AYACUCHO, 2000–2020
DOI:
https://doi.org/10.24265/Palabras clave:
Pobreza, Desigualdad, Empleo informalResumen
Este artículo se fundamenta de mi tesis doctoral sustentada en junio de 2022. El objetivo principal es demostrar que la disminución de la pobreza en el Perú durante el presente siglo estuvo relacionada con mecanismos de inclusión financiera, reconociendo que el crecimiento del PBI es el principal factor que
reduce la pobreza. Se presentan dos modelos econométricos. Los resultados del primer modelo mostraron como determinante de la disminución de la pobreza a la inclusión financiera y al crecimiento del ingreso per cápita por departamento, entre otras variables. En el segundo modelo se utilizaron los datos de las Uniones de Crédito y Ahorro -UNICAS-, de Ayacucho para cuantificar la disminución de la pobreza en los distritos donde se aplicó esta política pública de inclusión financiera. Los hallazgos del segundo modelo muestran una disminución de cinco puntos porcentuales de la pobreza en los distritos donde se implementaron las UNICAS.
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