Gaps in Financial Inclusion in fruit production in Boyacá, Colombia
Financial Inclusion (FI) implies bringing the financial sector closer to the entire population in order to improve their living conditions. However, its reach in the rural sector is limited. In view of this, this research identifies gaps in FI focusing on access, use and quality of financial product...
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| Format: | Online |
| Language: | spa |
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Universidad Pedagógica y Tecnológica de Colombia
2023
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| Online Access: | https://revistas.uptc.edu.co/index.php/investigacion_duitama/article/view/16065 |
| _version_ | 1801706010877886464 |
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| author | Niño-Amézquita, Daniela Sánchez-Rueda, Norlando |
| author_facet | Niño-Amézquita, Daniela Sánchez-Rueda, Norlando |
| author_sort | Niño-Amézquita, Daniela |
| collection | OJS |
| description | Financial Inclusion (FI) implies bringing the financial sector closer to the entire population in order to improve their living conditions. However, its reach in the rural sector is limited. In view of this, this research identifies gaps in FI focusing on access, use and quality of financial products and services in the context of fruit production in the department of Boyacá, Colombia. For this purpose, a qualitative analysis was carried out among regional financial sector providers and representatives of the fruit association Asohofrucol, Boyacá. The findings show that the lack of financial guarantees, technological resources, informality, physical distance, poor financial literacy and diversity of financial products are the main gaps in FI. Based on these results, alternatives for the mitigation of gaps are consolidated, highlighting the articulation between institutions and rural communities to effectively address problems. |
| format | Online |
| id | oai:oai.revistas.uptc.edu.co:article-16065 |
| institution | Revista de Investigación, Desarrollo e Innovación (RIDI) |
| language | spa |
| publishDate | 2023 |
| publisher | Universidad Pedagógica y Tecnológica de Colombia |
| record_format | ojs |
| spelling | oai:oai.revistas.uptc.edu.co:article-160652023-10-20T01:37:35Z Gaps in Financial Inclusion in fruit production in Boyacá, Colombia Brechas en Inclusión Financiera en la producción de frutales de Boyacá, Colombia Niño-Amézquita, Daniela Sánchez-Rueda, Norlando financial inclusion; rural; financial institutions; fruit production inclusión financiera; rural; entidades financieras; producción de frutales Financial Inclusion (FI) implies bringing the financial sector closer to the entire population in order to improve their living conditions. However, its reach in the rural sector is limited. In view of this, this research identifies gaps in FI focusing on access, use and quality of financial products and services in the context of fruit production in the department of Boyacá, Colombia. For this purpose, a qualitative analysis was carried out among regional financial sector providers and representatives of the fruit association Asohofrucol, Boyacá. The findings show that the lack of financial guarantees, technological resources, informality, physical distance, poor financial literacy and diversity of financial products are the main gaps in FI. Based on these results, alternatives for the mitigation of gaps are consolidated, highlighting the articulation between institutions and rural communities to effectively address problems. La Inclusión Financiera (IF) implica el acercamiento del sector financiero a toda la población a fin de mejorar sus condiciones de vida. Sin embargo, su alcance en el sector rural es limitado. Frente a esto, esta investigación hace una identificación de brechas en IF centrándose en el acceso, uso y calidad de productos y servicios financieros en el contexto de la producción de frutales del departamento de Boyacá, Colombia. Para esto, se realiza un análisis cualitativo entre oferentes del sector financiero regional y representantes del gremio de frutales de Asohofrucol, Boyacá. Los hallazgos muestran que la falta de garantías financieras, recursos tecnológicos, informalidad, distancia física, escasa educación financiera y diversidad de productos financieros se constituyen como las principales brechas en IF. A partir de estos resultados se consolidan alternativas para la mitigación de brechas, donde se destaca la articulación entre instituciones y comunidades rurales para abordar problemáticas de forma efectiva. Universidad Pedagógica y Tecnológica de Colombia 2023-02-15 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf text/xml https://revistas.uptc.edu.co/index.php/investigacion_duitama/article/view/16065 10.19053/20278306.v13.n1.2023.16065 Revista de Investigación, Desarrollo e Innovación; Vol. 13 No. 1 (2023): Enero-Junio; 53-68 Revista de Investigación, Desarrollo e Innovación; Vol. 13 Núm. 1 (2023): Enero-Junio; 53-68 2389-9417 2027-8306 spa https://revistas.uptc.edu.co/index.php/investigacion_duitama/article/view/16065/13100 https://revistas.uptc.edu.co/index.php/investigacion_duitama/article/view/16065/13553 Derechos de autor 2023 Revista de Investigación, Desarrollo e Innovación |
| spellingShingle | financial inclusion; rural; financial institutions; fruit production inclusión financiera; rural; entidades financieras; producción de frutales Niño-Amézquita, Daniela Sánchez-Rueda, Norlando Gaps in Financial Inclusion in fruit production in Boyacá, Colombia |
| title | Gaps in Financial Inclusion in fruit production in Boyacá, Colombia |
| title_alt | Brechas en Inclusión Financiera en la producción de frutales de Boyacá, Colombia |
| title_full | Gaps in Financial Inclusion in fruit production in Boyacá, Colombia |
| title_fullStr | Gaps in Financial Inclusion in fruit production in Boyacá, Colombia |
| title_full_unstemmed | Gaps in Financial Inclusion in fruit production in Boyacá, Colombia |
| title_short | Gaps in Financial Inclusion in fruit production in Boyacá, Colombia |
| title_sort | gaps in financial inclusion in fruit production in boyaca colombia |
| topic | financial inclusion; rural; financial institutions; fruit production inclusión financiera; rural; entidades financieras; producción de frutales |
| topic_facet | financial inclusion; rural; financial institutions; fruit production inclusión financiera; rural; entidades financieras; producción de frutales |
| url | https://revistas.uptc.edu.co/index.php/investigacion_duitama/article/view/16065 |
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