An approach to financial inclusion and the determinants of the availability of banking services in the province of Córdoba

Authors

  • Fernando García National University of Córdoba image/svg+xml
  • Alejandro D. Jacobo Universidad Nacional de Córdoba; Universidad Nacional de Villa María

Keywords:

Financial Institutions, Banks, Financial Inclusion

Abstract

This paper briefly describes the two main channels of banking services (branches and ATMs) in the state of Cordoba for the period 2000-2013. While the number of branches showed a slight increase, there is a big boost in banking services points through ATMs. However, the expansion of ATMs is mainly in localities with bank branches already installed and this growth simply tends to alleviate the deterioration in the banking services provided by financial institutions. Among other findings, the settlement of a branch in towns of less than 10,000 inhabitants seems not to be a profitable strategy for private banks, and these towns are serviced by public banks. Regarding the determinants of the availability of banking services, the increase in the population affected by current income deprivation would be associated with a lower demand of
banking services and this situation would generate fewer incentives to open a bank branch.

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Published

2015-11-04

Issue

Vol. 2 No. 3 (9): Ensayos de Política Económica 2015

Section

Artículos

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