<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2248-6046</journal-id>
<journal-title><![CDATA[Revista Finanzas y Política Económica]]></journal-title>
<abbrev-journal-title><![CDATA[Finanz. polit. econ.]]></abbrev-journal-title>
<issn>2248-6046</issn>
<publisher>
<publisher-name><![CDATA[Universidad Católica de Colombia]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2248-60462022000100017</article-id>
<article-id pub-id-type="doi">10.14718/revfinanzpolitecon.v14.n1.2022.2</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Instrumentos financieros clave para la inclusión financiera en América Latina]]></article-title>
<article-title xml:lang="en"><![CDATA[Key financial instruments for financial inclusion in Latin America]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Belén Martínez]]></surname>
<given-names><![CDATA[Lisana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Belén Guercio]]></surname>
<given-names><![CDATA[María]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Orazi]]></surname>
<given-names><![CDATA[Sofía]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vígier]]></surname>
<given-names><![CDATA[Hernán Pedro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional del Sur Departamento de Economía ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Provincial del Sudoeste Facultad de la Pequeña y Mediana Empresa ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Nacional del Sur Departamento de Economía ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad Nacional del Sur Departamento de Economía ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2022</year>
</pub-date>
<volume>14</volume>
<numero>1</numero>
<fpage>17</fpage>
<lpage>47</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S2248-60462022000100017&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S2248-60462022000100017&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S2248-60462022000100017&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo del presente trabajo es analizar la inclusión financiera en siete países de América Latina. En específico, se pretende detectarlos instrumentos financieros más utilizados y los principales determinantes que afectan su uso. Para ello, se examinan los microdatos de la base Global Findex del año 2017 y se aplican modelos econométricos multivariantes. Los resultados confirman que el instrumento más usado por los individuos son las cuentas financieras en instituciones formales, especialmente en Brasil y Chile, seguido por el uso de las tarjetas de crédito en Uruguay y Venezuela. Entre las características socioeconómicas de los individuos, se encuentra que aquellas personas de género masculino, de mayor edad, con educación terciaria y mayores niveles de ingresos son quienes muestran mayores probabilidades de estar incluidos financieramente.  JEL Classification: A1, D0, M0, 001]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper aims to analyze financial inclusion in seven Latin American countries. Specifically, it seeks to detect the most used financial instruments and the main determinants that affect t their use. For this purpose, it uses micro data from the 2017 Global Findex, applying multivariate econometric models. The results confirm that the instrument most used by individuals are financial accounts in formal institutions, especially in Brazil and Chile, followed by credit cards in Uruguay and Venezuela. Among the socio-economic characteristics of individuals, the findings show that older, male individuals, with tertiary education and higher income levels are more likely to be financially included.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[América Latina]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[instrumentos financieros]]></kwd>
<kwd lng="es"><![CDATA[análisis econométrico]]></kwd>
<kwd lng="es"><![CDATA[condiciones económicas]]></kwd>
<kwd lng="es"><![CDATA[recursos financieros]]></kwd>
<kwd lng="es"><![CDATA[dinero]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[Latin America]]></kwd>
<kwd lng="en"><![CDATA[financial instruments]]></kwd>
<kwd lng="en"><![CDATA[econometrics]]></kwd>
<kwd lng="en"><![CDATA[economic conditions]]></kwd>
<kwd lng="en"><![CDATA[financial resources]]></kwd>
<kwd lng="en"><![CDATA[money]]></kwd>
</kwd-group>
</article-meta>
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