Financial inclusion with a gender perspective: Gap analysis in the Loja canton
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Abstract
This research titled "Financial inclusion with a gender perspective: Gap analysis in the Loja canton" analyzes gender inequalities in access to financial services. To do this, a qualitative methodology with an exploratory-descriptive approach is used; 358 surveys were applied to women in the Loja canton to understand their experiences and perceptions of local financial products. The results show that, although many women access financial institutions, they perceive that the services do not meet their needs and they face cultural and product understanding barriers. These practices contribute to the disparity in the granting of credit, pointing out that men have received a higher percentage of credit over the years, despite the fact that women save at a higher level. This underlines the need to address both access and the perceptions and practices that perpetuate female financial exclusion, highlighting the importance of designing more inclusive financial services adapted to the specific needs of women.
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Viviana del Cisne Espinoza-Loyza, Universidad Técnica Particular de Loja - Ecuador
0000-0001-8575-276X
Master's Degree in Banking Administration and Finance from Universidad San Francisco de Quito and a Bachelor's Degree in Banking and Finance from Universidad Técnica Particular de Loja (UTPL). With over 15 years of experience in university teaching, I possess extensive expertise in financial systems, financial innovation, and financing.
I have conducted research and published academic works in the areas of financial development, financial systems, and markets, as well as emerging topics related to financial inclusion and education. I have led research projects aimed at promoting the strengthening of the financial system and digital transformation within the sector. Additionally, I have supervised numerous undergraduate and graduate theses, guiding students in analyzing challenges and developing innovative solutions within financial systems.
Currently, my efforts focus on researching and developing strategies to promote financial inclusion and foster comprehensive financial education across various contexts.
Gloria del Carmen Palacio-Valdivieso, Universidad Técnica Particular de Loja - Ecuador
https://orcid.org/0000-0002-5350-5120
Master in Financial Management at the Private Technical University of Loja; Graduate in Accounting and Auditing at UTPL. Full-time professor with extensive experience in teaching accounting, taxation and finance, at the undergraduate and graduate levels. UTPL (from 2011 to present).
Experience through UTPL with companies such as: Banco de Loja, Coopmego Savings and Credit Cooperative, Jardín Azuayo Savings and Credit Cooperative, among others.
He is currently an instructor and trainer in financial education issues at the UTPL Permanent Training Unit.
Carlos Bolívar Maldonado-Criollo, Universidad Técnica Particular de Loja - Ecuador
He has a degree in Finance from the Universidad Técnica Particular de Loja (UTPL), with a solid background in financial and banking management. During his academic career, he was part of the initial team of the development project of the business plan application of the Finance career at UTPL.
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