Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/303260 
Year of Publication: 
2024
Series/Report no.: 
Development Research Working Paper Series No. 15/2024
Publisher: 
Institute for Advanced Development Studies (INESAD), La Paz
Abstract (Translated): 
This paper analyzes financial inclusion in Bolivia through aggregate indicators of access, and develops a case study for quinoa producers in the Southern Altiplano. Using primary data from a survey conducted by INESAD, it evaluates the factors that affect the probability of quinoa producers having a savings account in a financial institution. In other words, financial inclusion is addressed within a demand perspective, understood as access to savings services. Considering three categories of variables -socioeconomic, educational and connectivity-, the results reveal that the holding of a formal account among quinoa producers largely depends on their level of education and their access to information and communication technologies through a mobile phone or computer. Financial education shows a positive incidence, but significantly more important for producers who are part of the Fair Trade production scheme. In terms of employment status, individuals who generate income are more likely to be included in the financial system. On the other hand, gender is not a significant factor on its owm; however, when interacting with school dropout, it is found that women with incomplete schooling are a vulnerable group to financial exclusion. Finally, proximity to branches or agencies is not a significant factor; however, road structure is: greater distance to a highway has a negative impact on the financial inclusion of quinoa producers in the Southern Altiplano of Bolivia.
Subjects: 
Household saving
financial instruments
financial inclusion
agricultural households
financial education
JEL: 
E21
G51
O12
O13
Q1
Document Type: 
Working Paper

Files in This Item:
File
Size





Items in EconStor are protected by copyright, with all rights reserved, unless otherwise indicated.