DESARROLLO DE MÉTODOS PARA LA INCLUSIÓN FINANCIERA EN ZONAS RURALES DEL ECUADOR Y EL IMPACTO QUE GENERARA EN SU ECONOMÍA.

Abstract

Financial inclusion is a multidimensional term that allows society to achieve well-being through equal opportunities, being an important pillar in the economic development of citizens. Therefore, the present study aims to analyze the current state of financial inclusion in Ecuador and propose strategies to expand access to financial services to the most vulnerable segments of the population. For its preparation, a descriptive and documentary methodology was applied with a qualitative approach through the methods of bibliographic review and documentary analysis where relevant information was collected on the indexes of financial inclusion and financial products or services most in demand currently through books, scientific articles, data from the last five years published on official websites such as the Central Bank of Ecuador (BCE), National Institute of Statistics and Census (INEC), among others. The results obtained showed that, in Ecuador, poverty rates in rural areas are high with 17% of citizens living in poverty while 3.9% live in extreme poverty, reflecting the lack of economic opportunities that these most vulnerable groups have and the limited access to financial services. On the other hand, it was possible to show that, in the country, there is a growing trend in the use of financial products, since in 2021 and 2023 this increase is expected. From this, it is concluded that financial inclusion in these rural areas is a determining factor to combat poverty and promote economic development.