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- W3201208769 abstract "In a globalized world, one of the most important measures of economic development is financial inclusion that defines a fundamental element that guarantees access to financial products and services by the most vulnerable population; The purpose of this research was to analyze the levels of banking in the province of Chimborazo, which is equivalent to financial deepening through loans and deposits in addition to financial density. The research approach was quantitative, the deductive analytical method evaluated to evaluated nd study the specific financial deepening data based on the VAB (gross value added, deposits and loans), the method of applying linear models through the use of the Gretl 19 software can investigate the existing correlation of financial inclusion against placements and deposits, in addition to the application of financial density. According to the results obtained, it is concluded that there is a positive incidence of fundraising and placement at the level of financial depth, however, the factor that has the greatest influence on depth from any perspective is the provincial gross value added, which allowed to infer that The greater the gross value added, the greater the financial deepening in order to encourage investment in productive business activities.
 Keywords: financial inclusion, banking, software, Chimborazo.
 Resumen 
 En un mundo globalizado, una de las medidas más importantes del desarrollo económico es la inclusión financiera que define un elemento fundamental que garantiza el acceso a productos y servicios financieros por la población más vulnerable; la presente investigación tuvo por objetivo analizar los niveles de bancarización como un proceso de inclusión financiera en la provincia de Chimborazo, considerando tanto profundización financiera a través de colocaciones y captaciones además de la densidad financiera. El enfoque de la investigación fue cuantitativo, el método analítico deductivo permitió evaluar y estudiar los datos obtenidos de profundización financiera en función del VAB (valor agregado bruto, captaciones y colocaciones), se aplicó modelos lineales mediante el uso del software Gretl 19 permitiendo investigar la correlación existente de la inclusión financiera frente a colocaciones y captaciones, además la aplicación de la densidad financiera. Según resultados obtenidos se concluyó que existe una incidencia positiva de las captaciones y colocaciones en el nivel de profundización financiera, sin embargo, el factor que tiene mayor influencia en la profundización desde cualquier perspectiva es el valor agregado bruto provincial, lo cual permitió inferir que, a mayor valor agregado bruto, mayor profundización financiera con el fin de fomentar la inversión en actividades productivas empresariales.
 Palabras clave: inclusión financiera, bancarización, software, Chimborazo." @default.
- W3201208769 created "2021-09-27" @default.
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- W3201208769 date "2021-08-26" @default.
- W3201208769 modified "2023-09-27" @default.
- W3201208769 title "Analysis of Bancarization Through Sofware as a Process of Financial Inclusion in Chimborazo" @default.
- W3201208769 doi "https://doi.org/10.18502/espoch.v1i1.9552" @default.
- W3201208769 hasPublicationYear "2021" @default.
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