<?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>0123-1472</journal-id>
<journal-title><![CDATA[Cuadernos de Contabilidad]]></journal-title>
<abbrev-journal-title><![CDATA[Cuad. Contab.]]></abbrev-journal-title>
<issn>0123-1472</issn>
<publisher>
<publisher-name><![CDATA[Pontificia Universidad Javeriana]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0123-14722017000100054</article-id>
<article-id pub-id-type="doi">10.11144/javeriana.cc18-45.ifca</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Inclusión financiera en Colombia. Análisis de su evolución en términos de eficiencia relativa]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial inclusion in Colombia. Analysis of its evolution in terms of relative efficiency]]></article-title>
<article-title xml:lang="pt"><![CDATA[Inclusão financeira na Colômbia. Análise da sua evolução em termos de eficiência relativa]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Rodríguez-Lozano]]></surname>
<given-names><![CDATA[Gloria Isabel]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional de Colombia  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2017</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2017</year>
</pub-date>
<volume>18</volume>
<numero>45</numero>
<fpage>54</fpage>
<lpage>73</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0123-14722017000100054&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0123-14722017000100054&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0123-14722017000100054&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen  Esta investigación analiza la situación y evolución de la inclusión financiera en Colombia desde un punto de vista diferente: desde la eficiencia relativa, que maneja las entidades financieras como objeto específico &#8212;no global&#8212; de análisis. Por esto y por la metodología usada, esta investigación es pionera. La metodología que se utiliza es el Análisis Envolvente de Datos (Data Envelopment Analysis, DEA), metodología de programación lineal avanzada que mediante un doble proceso de optimización proporciona un único índice de eficiencia relativa para cada una de las unidades estudiadas, con la fortaleza de analizar las variables en un escenario de utilización de multirrecursos y de obtención de multisalidas. Da respuesta a los siguientes interrogantes: ¿Qué tipo de entidades es eficiente y en qué número para cada año? ¿Qué resultados se obtienen cuando se compara el comportamiento, en términos de eficiencia relativa, de los años 2013 y 2014? Los resultados, en la comparación, muestran que globalmente hay un desmejoramiento en el comportamiento de la eficiencia relativa de las instituciones evaluadas: disminuyen las unidades con altos índices y aumentan las unidades con bajos índices. Códigos JEL: C14, C67, G20]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract  This research analyzes the situation and evolution of financial inclusion in Colombia from a different point of view: from that of relative efficiency, which manages the financial entities as a specific -not global- object of analysis. Given this point of view and the methodology used, this is a pioneering research. The methodology used is Data Envelopment Analysis (DEA), an advanced linear programming methodology that provides a single index of relative efficiency for each of the units studied through a double optimization process, with the advantage of analyzing the variables in a scenario of multi-resource use and obtaining multiple outputs. It answers the following questions: what kind of entity is efficient and in what amount for each year? What results are obtained when comparing the behavior, in terms of relative efficiency, of the years 2013 and 2014? The results in the comparison show that globally there is deterioration in the behavior of the relative efficiency of the evaluated institutions, that is, units with high indexes decrease and units with low indexes increase.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo  Esta pesquisa analisa a situação e evolução da inclusão financeira na Colômbia desde um ponto de vista diferente: desde a eficiência relativa, que maneia as entidades financeiras como objeto específico &#8212;não global&#8212; de análise. Por isso e pela metodologia usada, esta pesquisa é pioneira. A metodologia utilizada é a Análise de Envolvimento de Dados (Data Envelopment Analysis, DEA), metodologia de programação linear avançada que mediante um processo duplo de optimização proporciona um único índice de eficiência relativa para cada uma das unidades estudadas, com a fortaleza de analisar as variáveis em um panorama de utilização de multirrecursos e de obtenção de multisalidas. Da resposta às seguintes perguntas: Que tipo de entidades é eficiente e em qual número para cada ano? Quais os resultados obtidos quando comparado o comportamento, em termos de eficiência relativa, nos anos 2013 e 2014? Os resultados, na comparação, mostram que globalmente têm deterioração do comportamento da eficiência relativa das instituições avaliadas: diminuem as unidades com altos índices e aumentam as unidades com baixos índices.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Análisis envolvente de datos]]></kwd>
<kwd lng="es"><![CDATA[(Data Envelopment Analysis, DEA)]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[eficiencia de la inclusión financiera]]></kwd>
<kwd lng="en"><![CDATA[Data envelopment analysis]]></kwd>
<kwd lng="en"><![CDATA[DEA]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[efficiency of financial inclusion]]></kwd>
<kwd lng="pt"><![CDATA[Análise de Envolvimento de dados]]></kwd>
<kwd lng="pt"><![CDATA[(Data Envelopment Analysis, DEA)]]></kwd>
<kwd lng="pt"><![CDATA[inclusão financeira]]></kwd>
<kwd lng="pt"><![CDATA[eficiência da inclusão financeira]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Allen]]></surname>
<given-names><![CDATA[F]]></given-names>
</name>
<name>
<surname><![CDATA[Demirgüç-Kunt]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[Klapper]]></surname>
<given-names><![CDATA[L]]></given-names>
</name>
<name>
<surname><![CDATA[Martínez-Peria]]></surname>
<given-names><![CDATA[M. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Foundations of Financial Inclusion: Understanding Ownership and Use of Formal Accounts]]></article-title>
<source><![CDATA[Journal of Financial Intermediation]]></source>
<year>2016</year>
<volume>27</volume>
<numero>C</numero>
<issue>C</issue>
<page-range>1-30</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="">
<collab>Alliance for Financial Inclusion, AFI</collab>
<source><![CDATA[Maya Declaration]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="book">
<collab>Alliance for Financial Inclusion, AFI</collab>
<source><![CDATA[Putting Financial Inclusion on the Global Map. The 2013 Maya Declaration Progress Report]]></source>
<year>2013</year>
<publisher-loc><![CDATA[Bangkok ]]></publisher-loc>
<publisher-name><![CDATA[Alliance for Financial Inclusion]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="book">
<collab>Alliance for Financial Inclusion, AFI</collab>
<source><![CDATA[A Financial Inclusion Index to Measure the Progress of Financial Inclusion]]></source>
<year>2016</year>
<publisher-loc><![CDATA[Kuala Lumpur ]]></publisher-loc>
<publisher-name><![CDATA[Alliance for Financial Inclusion]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Appleyard]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Community Development Finance Institutions (CDFIs): Geographies of Financial Inclusion in the US and UK]]></article-title>
<source><![CDATA[Geoforum]]></source>
<year>2011</year>
<volume>42</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>250-8</page-range></nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Banker]]></surname>
<given-names><![CDATA[R. D]]></given-names>
</name>
<name>
<surname><![CDATA[Charnes]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[Cooper]]></surname>
<given-names><![CDATA[W. W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis]]></article-title>
<source><![CDATA[Management Science]]></source>
<year>1984</year>
<volume>30</volume>
<numero>9</numero>
<issue>9</issue>
<page-range>1078-92</page-range></nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="book">
<collab>Banca de las Oportunidades, BdO</collab>
<collab>Superintendencia Financiera de Colombia, SFC</collab>
<source><![CDATA[Reporte de inclusión financiera 2011]]></source>
<year>2012</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
<publisher-name><![CDATA[Banca de las Oportunidades, Bancoldex &#8211; Banco de Comercio Exterior de Colombia S.A., BdO y Superintendencia Financiera de Colombia, SFC]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="book">
<collab>Banca de las Oportunidades, BdO</collab>
<collab>Superintendencia Financiera de Colombia, SFC</collab>
<source><![CDATA[Reporte de inclusión financiera 2013]]></source>
<year>2014</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
<publisher-name><![CDATA[Banca de las Oportunidades, Bancoldex &#8211; Banco de Comercio Exterior de Colombia S.A., BdO y Superintendencia Financiera de Colombia, SFC]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="book">
<collab>Banca de las Oportunidades, BdO</collab>
<collab>Superintendencia Financiera de Colombia, SFC</collab>
<source><![CDATA[Reporte de inclusión financiera 2014]]></source>
<year>2015</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
<publisher-name><![CDATA[Banca de las Oportunidades, Bancoldex &#8211; Banco de Comercio Exterior de Colombia S.A., BdO y Superintendencia Financiera de Colombia, SFC]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bayero]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Effects of Cashless Economy Policy on Financial Inclusion in Nigeria: An Exploratory Study]]></article-title>
<source><![CDATA[Procedia - Social and Behavioral Sciences]]></source>
<year>2015</year>
<numero>172</numero>
<issue>172</issue>
<page-range>49-56</page-range></nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bhowmik]]></surname>
<given-names><![CDATA[S. K.]]></given-names>
</name>
<name>
<surname><![CDATA[Saha]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial Inclusion of the Marginalised Street Vendors in the Urban Economy]]></source>
<year>2013</year>
<publisher-loc><![CDATA[New Delhi ]]></publisher-loc>
<publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="">
<collab>Center for Financial Inclusion, CFI</collab>
<source><![CDATA[Inclusión financiera y envejecimiento: una oportunidad]]></source>
<year>2015</year>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Cervera-Muñoz]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[Oviedo-García]]></surname>
<given-names><![CDATA[W]]></given-names>
</name>
<name>
<surname><![CDATA[Pineda-Acero]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Revisión bibliográfica de la aplicación de la metodología DEA en el ámbito educativo colombiano]]></article-title>
<source><![CDATA[Revista Civilizar Ciencias Sociales y Humanas]]></source>
<year>2013</year>
<volume>13</volume>
<numero>25</numero>
<issue>25</issue>
<page-range>133-56</page-range></nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chakrabarty]]></surname>
<given-names><![CDATA[K. C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Banking: Key Driver for Inclusive Growth]]></article-title>
<source><![CDATA[RBI Monthly Bulletin]]></source>
<year>2009</year>
<page-range>1479-86</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chakravarty]]></surname>
<given-names><![CDATA[S. R.]]></given-names>
</name>
<name>
<surname><![CDATA[Pal]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial Inclusion in India: An Axiomatic Approach]]></article-title>
<source><![CDATA[Journal of Policy Modeling]]></source>
<year>2013</year>
<volume>35</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>813-37</page-range></nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Charnes]]></surname>
<given-names><![CDATA[Abraham]]></given-names>
</name>
<name>
<surname><![CDATA[Cooper]]></surname>
<given-names><![CDATA[William W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Programming with Linear Fractional Functionals]]></article-title>
<source><![CDATA[Naval Research Logistics Quarterly]]></source>
<year>1962</year>
<volume>9</volume>
<numero>3-4</numero>
<issue>3-4</issue>
<page-range>181-6</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chavan]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Access to Bank Credit: Implications for Dalit Rural Households]]></article-title>
<source><![CDATA[Economic and Political Weekly]]></source>
<year>2007</year>
<volume>42</volume>
<numero>31</numero>
<issue>31</issue>
<page-range>3219-24</page-range></nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chediak-Pinzón]]></surname>
<given-names><![CDATA[F. A.]]></given-names>
</name>
</person-group>
<source><![CDATA[La técnica DEA para medir y analizar la eficiencia, municipios del departamento del Tolima]]></source>
<year>2008</year>
<publisher-loc><![CDATA[Pereira ]]></publisher-loc>
<publisher-name><![CDATA[Universidad Tecnológica de Pereira, UTP, Facultad de Ingeniería Industrial]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Coll]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Blasco]]></surname>
<given-names><![CDATA[O. M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Evaluación de la eficiencia mediante el análisis envolvente de datos: introducción a los modelos básicos]]></source>
<year>2006</year>
<publisher-loc><![CDATA[Madrid ]]></publisher-loc>
<publisher-name><![CDATA[Editorial Eumed]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<collab>Colombia</collab>
<article-title xml:lang=""><![CDATA[Decreto 3078 de 2006 por el cual se crea el Programa de Inversión Banca de las Oportunidades]]></article-title>
<source><![CDATA[Diario Oficial]]></source>
<year>2006</year>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="">
<collab>Colombia</collab>
<source><![CDATA[Documento Conpes 3424 de 2006, la banca de las oportunidades, una política para promover el acceso al crédito y a los demás servicios financieros buscando equidad social]]></source>
<year>2006</year>
</nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="book">
<collab>Comisión Multisectorial de Inclusión Financiera, CMIF</collab>
<source><![CDATA[Perú: Estrategia Nacional de Inclusión Financiera]]></source>
<year>2015</year>
<publisher-loc><![CDATA[Lima ]]></publisher-loc>
<publisher-name><![CDATA[Ministerio de Economía y Finanzas]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="book">
<collab>Committee on Financial Inclusion, CFI</collab>
<source><![CDATA[Report of the Committee on Financial Inclusion]]></source>
<year>2008</year>
<publisher-loc><![CDATA[New Delhi ]]></publisher-loc>
<publisher-name><![CDATA[Committee on Financial Inclusion, CFI]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="book">
<collab>Consejo Privado de Competitividad, Compite</collab>
<source><![CDATA[Informe Nacional de Competitividad 2014-2015]]></source>
<year>2016</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
<publisher-name><![CDATA[Consejo Privado de Competitividad, Compite]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Cook]]></surname>
<given-names><![CDATA[W. D]]></given-names>
</name>
<name>
<surname><![CDATA[Kress]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
<name>
<surname><![CDATA[Seiford]]></surname>
<given-names><![CDATA[L. M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[On the Use of Ordinal Data in Data Envelopment Analysis]]></article-title>
<source><![CDATA[Journal of Operational Research Society, JORS]]></source>
<year>1993</year>
<volume>44</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>133-40</page-range></nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Cooper]]></surname>
<given-names><![CDATA[W. W]]></given-names>
</name>
<name>
<surname><![CDATA[Seiford]]></surname>
<given-names><![CDATA[L. M]]></given-names>
</name>
<name>
<surname><![CDATA[Tone]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
</person-group>
<source><![CDATA[Data Envelopment Analysis: A Comprehensive Text with Models, Applications, References and DEA-Solver Software]]></source>
<year>2000</year>
<publisher-loc><![CDATA[Boston, Massachusetts ]]></publisher-loc>
<publisher-name><![CDATA[Kluwer Academic Publishers]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[D'Alcantara]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Gautier]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Postal Sector as a Vector of Financial Inclusion]]></article-title>
<source><![CDATA[Annals of Public and Cooperative Economics]]></source>
<year>2013</year>
<volume>84</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>119-37</page-range></nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Demirgüç-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Klapper]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring Financial Inclusion: Explaining Variation in Use of Financial Services Across andwithin Countries]]></article-title>
<source><![CDATA[Brookings Papers on Economic Activity]]></source>
<year>2013</year>
<page-range>279-321</page-range></nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Diniz]]></surname>
<given-names><![CDATA[E]]></given-names>
</name>
<name>
<surname><![CDATA[Birochi]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
<name>
<surname><![CDATA[Pozzebon]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Triggers and Barriers to Financial Inclusion: The Use of ICT-Based Branchless Banking in an Amazon County]]></article-title>
<source><![CDATA[Electronic Commerce Research and Applications]]></source>
<year>2012</year>
<numero>11</numero>
<issue>11</issue>
<page-range>484-94</page-range></nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="">
<collab>Estados Unidos</collab>
<source><![CDATA[Community Reinvestment Act, 12 USC 2901: Title 12-Banks and Banking, Chapter 30, Community Reinvestment]]></source>
<year>1977</year>
</nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Fungá&#269;ová]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
<name>
<surname><![CDATA[Weill]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Understanding Financial Inclusion in China]]></article-title>
<source><![CDATA[China Economic Review]]></source>
<year>2015</year>
<numero>34</numero>
<issue>34</issue>
<page-range>196-206</page-range></nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[N]]></given-names>
</name>
<name>
<surname><![CDATA[Grifoni]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[López]]></surname>
<given-names><![CDATA[J. C]]></given-names>
</name>
<name>
<surname><![CDATA[Mejía]]></surname>
<given-names><![CDATA[D. M.]]></given-names>
</name>
</person-group>
<source><![CDATA[La educación financiera en América Latina y el Caribe. Situación actual y perspectivas]]></source>
<year>2013</year>
<publisher-loc><![CDATA[Caracas ]]></publisher-loc>
<publisher-name><![CDATA[Corporación Andina de Fomento, CAF, Banco de Desarrollo de América Latina]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ghahraman]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Prior]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Learning Ladder to Ward Efficiency: Proposing Network-Based Stepwise Benchmark Selection]]></article-title>
<source><![CDATA[Omega]]></source>
<year>2016</year>
<numero>63</numero>
<issue>63</issue>
<page-range>83-93</page-range></nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="book">
<collab>Global Financial Development, GFD</collab>
<source><![CDATA[Global Financial Development Report: Rethinking the Role of the State in Finance]]></source>
<year>2013</year>
<publisher-loc><![CDATA[Washington ]]></publisher-loc>
<publisher-name><![CDATA[International Bank for Reconstruction and Development, The World Bank]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="book">
<collab>Global Partnership for Financial Inclusion, GPFI</collab>
<source><![CDATA[G20 Financial Inclusion Indicators]]></source>
<year>2016</year>
<publisher-loc><![CDATA[Hangzhou, China ]]></publisher-loc>
<publisher-name><![CDATA[GPFI]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[González-Araya]]></surname>
<given-names><![CDATA[M. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Valdés]]></surname>
<given-names><![CDATA[N. G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Método de selección de variables para mejorar la discriminación en el análisis de eficiencia aplicando modelos DEA]]></article-title>
<source><![CDATA[Ingeniería Industrial]]></source>
<year>2009</year>
<volume>8</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>45-56</page-range></nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gupte]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
<name>
<surname><![CDATA[Venkataramani]]></surname>
<given-names><![CDATA[B]]></given-names>
</name>
<name>
<surname><![CDATA[Gupta]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Computation of Financial Inclusion Index for India]]></article-title>
<source><![CDATA[Procedia - Social and Behavioral Sciences]]></source>
<year>2012</year>
<numero>37</numero>
<issue>37</issue>
<page-range>133-49</page-range></nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Iyer]]></surname>
<given-names><![CDATA[K. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Banerjee]]></surname>
<given-names><![CDATA[P. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring and Benchmarking Managerial Efficiency of Project Execution Schedule Performance]]></article-title>
<source><![CDATA[International Journal of Project Management]]></source>
<year>2016</year>
<volume>34</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>219-36</page-range></nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Johnes]]></surname>
<given-names><![CDATA[J]]></given-names>
</name>
<name>
<surname><![CDATA[Izzeldin]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
<name>
<surname><![CDATA[Pappas]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Comparison of Performance of Islamic and Conventional Banks 2004-2009]]></article-title>
<source><![CDATA[Journal of Economic Behavior &amp; Organization]]></source>
<year>2014</year>
<numero>103</numero>
<issue>103</issue>
<page-range>93-107</page-range></nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Johnson]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Arnold]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Inclusive Financial Markets: Is Transformation under Way in Kenya?]]></article-title>
<source><![CDATA[Development Policy Review]]></source>
<year>2012</year>
<volume>30</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>719-48</page-range></nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kumar]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[Narain]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
<name>
<surname><![CDATA[Rubbani]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<source><![CDATA[World Bank Lending for Financial Inclusion: Lessons from Reviews of Select Projects]]></source>
<year>2015</year>
<publisher-loc><![CDATA[Washington ]]></publisher-loc>
<publisher-name><![CDATA[Independent Evaluation Group, The World Bank Group]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B42">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lau]]></surname>
<given-names><![CDATA[K. H.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring Distribution Efficiency of a Retail Network through Data Envelopment Analysis]]></article-title>
<source><![CDATA[International Journal Production Economics]]></source>
<year>2013</year>
<volume>146</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>598-611</page-range></nlm-citation>
</ref>
<ref id="B43">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lee]]></surname>
<given-names><![CDATA[G]]></given-names>
</name>
<name>
<surname><![CDATA[Yu]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
<name>
<surname><![CDATA[Wang]]></surname>
<given-names><![CDATA[-l.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[DEA-Based Integrated Relationship of Returns to Scale &#8211; An Application to Road Maintenance in Taiwan]]></article-title>
<source><![CDATA[Journal of Civil Engineering and Management]]></source>
<year>2012</year>
<volume>18</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>709-23</page-range></nlm-citation>
</ref>
<ref id="B44">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lee]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Saen]]></surname>
<given-names><![CDATA[R. F.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring Corporate Sustainability Management: A Data Envelopment Analysis Approach]]></article-title>
<source><![CDATA[International Journal Production Economics]]></source>
<year>2012</year>
<volume>140</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>219-26</page-range></nlm-citation>
</ref>
<ref id="B45">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Leeladhar]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Taking Banking Services to the Common Man &#8211; Financial Inclusion]]></article-title>
<source><![CDATA[Reserve Bank of India Bulletin]]></source>
<year>2006</year>
<publisher-loc><![CDATA[New Delhi ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B46">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Morgan]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Pontines]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial System Stability, Regulation, and Financial Inclusion]]></source>
<year>2015</year>
<publisher-loc><![CDATA[Tokyo ]]></publisher-loc>
<publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B47">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pino-Mejías]]></surname>
<given-names><![CDATA[J. L]]></given-names>
</name>
<name>
<surname><![CDATA[Solís-Cabrera]]></surname>
<given-names><![CDATA[F. M]]></given-names>
</name>
<name>
<surname><![CDATA[Delgado-Fernández]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
<name>
<surname><![CDATA[Barea-Barrera]]></surname>
<given-names><![CDATA[R. C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Evaluación de la eficiencia de grupos de investigación mediante análisis envolvente de datos (DEA)]]></article-title>
<source><![CDATA[El profesional de la Información]]></source>
<year>2010</year>
<volume>19</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>160-7</page-range></nlm-citation>
</ref>
<ref id="B48">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pirateque]]></surname>
<given-names><![CDATA[J. E]]></given-names>
</name>
<name>
<surname><![CDATA[Piñeros]]></surname>
<given-names><![CDATA[J. H]]></given-names>
</name>
<name>
<surname><![CDATA[Mondragón]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Eficiencia en los establecimientos bancarios (EB): una aproximación mediante modelos DEA]]></article-title>
<source><![CDATA[Borradores de Economía]]></source>
<year>2013</year>
<numero>798</numero>
<issue>798</issue>
</nlm-citation>
</ref>
<ref id="B49">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Puri]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Yadav]]></surname>
<given-names><![CDATA[S. P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Concept of Fuzzy Input Mix-Efficiency in Fuzzy DEA and its Application]]></article-title>
<source><![CDATA[Expert Systems with Applications]]></source>
<year>2013</year>
<volume>40</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>1437-50</page-range></nlm-citation>
</ref>
<ref id="B50">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Puri]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Yadav]]></surname>
<given-names><![CDATA[S. P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Fuzzy DEA Model with Undesirable Fuzzy Outputs and its Application to the Banking Sector in India]]></article-title>
<source><![CDATA[Expert Systems with Applications]]></source>
<year>2014</year>
<volume>41</volume>
<numero>14</numero>
<issue>14</issue>
<page-range>6419-32</page-range></nlm-citation>
</ref>
<ref id="B51">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Quintanilha da Silveira]]></surname>
<given-names><![CDATA[J]]></given-names>
</name>
<name>
<surname><![CDATA[Correia Baptista Soares de Mello]]></surname>
<given-names><![CDATA[J. C]]></given-names>
</name>
<name>
<surname><![CDATA[Angulo-Meza]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Evaluación de la eficiencia de las compañías aéreas brasileñas a través de un modelo híbrido de análisis envolvente de datos (DEA) y programación lineal multiobjetivo]]></article-title>
<source><![CDATA[Ingeniare. Revista chilena de ingeniería]]></source>
<year>2012</year>
<volume>20</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>331-42</page-range></nlm-citation>
</ref>
<ref id="B52">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rodríguez-Lozano]]></surname>
<given-names><![CDATA[Gloria Isabel]]></given-names>
</name>
</person-group>
<source><![CDATA[Indicadores DEA (Data Envelopment Analysis) de eficiencia y productividad para las actividades de extensión universitaria. Aplicación en la Universidad Nacional de Colombia]]></source>
<year>2011</year>
<publisher-loc><![CDATA[Bogotá ]]></publisher-loc>
<publisher-name><![CDATA[Centro Editorial, Facultad de Ciencias Económicas, Universidad Nacional de Colombia]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B53">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rodríguez-Lozano]]></surname>
<given-names><![CDATA[G. I.]]></given-names>
</name>
<name>
<surname><![CDATA[Tarazona-Morales]]></surname>
<given-names><![CDATA[O.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Unidades de emprendimiento bajo un estudio de eficiencia relativa]]></article-title>
<source><![CDATA[Revista Facultad Ciencias Económicas, Universidad Militar Nueva Granada]]></source>
<year>2015</year>
<volume>23</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>149-62</page-range></nlm-citation>
</ref>
<ref id="B54">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sarmiento]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
<name>
<surname><![CDATA[Cepeda]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[Mutis]]></surname>
<given-names><![CDATA[H]]></given-names>
</name>
<name>
<surname><![CDATA[Pérez]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Nueva evidencia sobre la eficiencia de la banca colombiana: una medición con modelos de frontera no-paramétricos]]></article-title>
<source><![CDATA[Archivos de Economía]]></source>
<year>2014</year>
</nlm-citation>
</ref>
<ref id="B55">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sen]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Development as Freedom]]></source>
<year>1999</year>
<publisher-loc><![CDATA[New York ]]></publisher-loc>
<publisher-name><![CDATA[Oxford University Press]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B56">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Solo]]></surname>
<given-names><![CDATA[T. M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial Exclusion in Latin America &#8211; Or the Social Costs of Not Banking the Urban Poor]]></article-title>
<source><![CDATA[Environment and Urbanization]]></source>
<year>2008</year>
<volume>20</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>47-66</page-range></nlm-citation>
</ref>
<ref id="B57">
<nlm-citation citation-type="">
<collab>Superintendencia de Economía Solidaria, SES</collab>
<source><![CDATA[Superintendencia de Economía Solidaria: Nuestra entidad]]></source>
<year>2016</year>
</nlm-citation>
</ref>
<ref id="B58">
<nlm-citation citation-type="">
<collab>Superintendencia Financiera de Colombia, SFC</collab>
<source><![CDATA[Acerca de la SFC. Propósito Superior de la Superintendencia Financiera de Colombia]]></source>
<year>2016</year>
</nlm-citation>
</ref>
<ref id="B59">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Svitálková]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Comparison and Evaluation of Bank Efficiency in Selected Countries in EU]]></article-title>
<source><![CDATA[Procedia Economics and Finance]]></source>
<year>2014</year>
<numero>12</numero>
<issue>12</issue>
<page-range>644-53</page-range></nlm-citation>
</ref>
<ref id="B60">
<nlm-citation citation-type="book">
<collab>The Economist Intelligence Unit, EIU</collab>
<source><![CDATA[Microscopio Global 2014: Análisis del entorno para la inclusión financiera]]></source>
<year>2014</year>
<publisher-loc><![CDATA[New York ]]></publisher-loc>
<publisher-name><![CDATA[EIU]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B61">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Thorat]]></surname>
<given-names><![CDATA[U.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial Inclusion and Millennium Goals]]></source>
<year>2006</year>
<publisher-loc><![CDATA[New Delhi ]]></publisher-loc>
<publisher-name><![CDATA[Reserve Bank of India]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B62">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Toloo]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Alternative Minimax Model for Finding the Most Efficient Unit in Data]]></article-title>
<source><![CDATA[Computers &amp; Industrial Engineering]]></source>
<year>2015</year>
<volume>81</volume>
<numero>)</numero>
<issue>)</issue>
<page-range>186-94</page-range></nlm-citation>
</ref>
<ref id="B63">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vera]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Titelman]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<source><![CDATA[El sistema financiero en América Latina y el Caribe: una caracterización]]></source>
<year>2013</year>
<publisher-loc><![CDATA[Santiago de Chile ]]></publisher-loc>
<publisher-name><![CDATA[Comisión Económica para América Latina y el Caribe, CEPAL]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B64">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Villasenor]]></surname>
<given-names><![CDATA[John D.]]></given-names>
</name>
<name>
<surname><![CDATA[West]]></surname>
<given-names><![CDATA[Darrell M.]]></given-names>
</name>
<name>
<surname><![CDATA[Lewis]]></surname>
<given-names><![CDATA[Robin J.]]></given-names>
</name>
</person-group>
<source><![CDATA[The 2015 Brookings Financial and Digital Inclusion Project Report]]></source>
<year>2015</year>
<publisher-loc><![CDATA[Washington ]]></publisher-loc>
<publisher-name><![CDATA[Center for Technology Innovation at Brookings]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B65">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Villasenor]]></surname>
<given-names><![CDATA[John D.]]></given-names>
</name>
<name>
<surname><![CDATA[West]]></surname>
<given-names><![CDATA[Darrell M.]]></given-names>
</name>
<name>
<surname><![CDATA[Lewis]]></surname>
<given-names><![CDATA[Robin J.]]></given-names>
</name>
</person-group>
<source><![CDATA[The 2016 Brookings Financial and Digital Inclusion Project Report]]></source>
<year>2016</year>
<publisher-loc><![CDATA[Washington ]]></publisher-loc>
<publisher-name><![CDATA[Center for Technology Innovation at Brookings]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B66">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Wanke]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Barros]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Two-Stage DEA: An Application to Major Brazilian Banks.]]></article-title>
<source><![CDATA[Expert Systems with Applications]]></source>
<year>2014</year>
<volume>41</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>2337-44</page-range></nlm-citation>
</ref>
<ref id="B67">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Wei]]></surname>
<given-names><![CDATA[Q.]]></given-names>
</name>
<name>
<surname><![CDATA[Yan]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Data Envelopment Analysis (DEA) Evaluation Method Based on Sample Decision Making Units]]></article-title>
<source><![CDATA[International Journal of Information Technology &amp; Decision Making]]></source>
<year>2010</year>
<volume>9</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>601-24</page-range></nlm-citation>
</ref>
<ref id="B68">
<nlm-citation citation-type="book">
<collab>World Bank Group</collab>
<source><![CDATA[The Little Data Book on Financial Inclusion 2015]]></source>
<year>2015</year>
<publisher-loc><![CDATA[Washington ]]></publisher-loc>
<publisher-name><![CDATA[World Bank Group]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B69">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zhou]]></surname>
<given-names><![CDATA[Z]]></given-names>
</name>
<name>
<surname><![CDATA[Sun]]></surname>
<given-names><![CDATA[L]]></given-names>
</name>
<name>
<surname><![CDATA[Yang]]></surname>
<given-names><![CDATA[W]]></given-names>
</name>
<name>
<surname><![CDATA[Liu]]></surname>
<given-names><![CDATA[W]]></given-names>
</name>
<name>
<surname><![CDATA[Ma]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Bargaining Game Model for Efficiency Decomposition in the Centralized Model]]></article-title>
<source><![CDATA[Computers &amp; Industrial Engineering]]></source>
<year>2013</year>
<volume>64</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>103-8</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
