La inclusión financiera y su incidencia en la pobreza: Caso Pedernales. Periodo 2022-2024.

Abstract

The objective of this study focuses on analyzing financial inclusion and poverty in the Pedernales case: Period 2022-2024, addressing the relationship between financial inclusion and poverty reduction, highlighting how access to formal financial services promotes economic and social development. In vulnerable populations, the benefits of tools such as bank accounts, microcredits and the use of technological tools that allow people to manage their resources efficiently and generate income are analyzed. Within the study, the development is based on methods with techniques aimed at obtaining precise and empirical answers, applying a mixed methodology, based on a quantitative approach complementary to the qualitative approach, applying techniques such as participant observation and surveys structured by 30 questions. closed aimed at 375 households where it is expected to obtain results based on our dimensions that cover issues of financial access, economic stability and even formality and labor income, these results were tabulated for a better understanding using the SPSS software, obtaining as The result is that having a bank account does facilitate access to the financial system essentially for credit issues, but it does not contribute in some way to reducing situations of vulnerability.