Resumen

MOYA OCHANTE, Cristian Nicolas; FLORES GOYCOCHEA, Rafael Atilio; AGUILAR ESPINOZA, Henry  y  CAICEDO MENDOZA, Jose Antonio. Influence of socioeconomic factors on the financial inclusion of Peruvian households. Revista InveCom [online]. 2026, vol.6, n.1, e601050.  Epub 15-Jul-2025. ISSN 2739-0063.  https://doi.org/10.5281/zenodo.15377796.

The objective of this article was to determine and compare the correlation between socioeconomic factors and the financial inclusion of households in Peru during the years 2019 and 2023. To this end, a quantitative approach and a non-experimental design were used, using the Logit model in order to analyze the data from the National Household Survey (ENAHO). The results showed that, in 2019, 42.78% of households were included in the financial system, on the other hand, in 2023 this percentage increased to 55.27%. It was also found that socioeconomic factors have a significant correlation with financial inclusion. In this sense, each additional year of education increased the probability of inclusion by three percentage points in both years. Living in urban areas increased the probability by two points, with a moderate impact. On the other hand, the age of the head of the household showed a positive, albeit limited, effect. Owning a mobile phone increased the probability by five points in 2023 and two points in 2019. Finally, having private insurance increased the probability by 19 points in 2019 and by 38 points in 2023. In conclusion, socioeconomic factors have a significant impact on the financial inclusion of households in Peru.

Palabras clave : socioeconomic factors; financial inclusion; peruvian households.

        · resumen en Español     · texto en Español     · Español ( pdf )