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Are social and financial exclusion two sides of the same coin? An analysis of the financial integration of vulnerable people

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dc.contributor.authorFernández Olit, Beatriz
dc.contributor.authorParedes Gázquez, Juan Diego
dc.contributor.authorCuesta González, Marta María de la
dc.date.accessioned2024-05-20T11:23:36Z
dc.date.available2024-05-20T11:23:36Z
dc.date.issued2018
dc.description.abstractThe economic crisis has increased the inequality and heterogeneity of people at risk of social exclusion, and thus their financial vulnerability. This article reviews the literature on the determinants of unbanking and underbanking and proposes a model linking financial and social exclusion. We aimed to determine if people at risk of poverty and social exclusion are integrated -and to what extent- in the financial system. To answer this question, we identified the demographic and the social exclusion factors that determine both the status of financial vulnerability and the use of banking services. We used multivariate analysis methods to analyze the information from the survey on social vulnerability conducted by the Red Cross Spain in 2015. Our results show a negative relationship between the risk of social exclusion and the intensity of use of banking services. This leads to financial vulnerability and exclusion in the most extreme situations. We suggest that underbanking is the most relevant - but not previously studied- situation of financial vulnerability in Europe and discuss its implications for policymakers. This paper contributes to the measurement of the link between financial and social exclusion, and is the first quantitative study on the use of banking products by vulnerable people in a European context.en
dc.description.versionversión publicada
dc.identifier.doihttps://doi.org/10.1007/s11205-016-1479-y
dc.identifier.issn0303-8300, eISSN 1573-0921
dc.identifier.urihttps://hdl.handle.net/20.500.14468/11878
dc.journal.titleSocial Indicators Research
dc.journal.volume135
dc.language.isoen
dc.publisherSpringer
dc.relation.centerFacultad de Ciencias Económicas y Empresariales
dc.relation.departmentEconomía Aplicada
dc.rightsinfo:eu-repo/semantics/openAccess
dc.rights.urihttps://creativecommons.org/licenses/by-nc-nd/4.0/deed.es
dc.subject.keywordssocial exclusion
dc.subject.keywordsfinancial vulnerability
dc.subject.keywordsconsumer vulnerability
dc.subject.keywordsbanking services
dc.subject.keywordsunbanking
dc.subject.keywordsunderbanking
dc.titleAre social and financial exclusion two sides of the same coin? An analysis of the financial integration of vulnerable peoplees
dc.typejournal articleen
dc.typeartículoes
dspace.entity.typePublication
relation.isAuthorOfPublication94c5d4ac-b90e-4a4b-bf43-7638d30828f2
relation.isAuthorOfPublication66549a85-3284-4b84-993e-46572705bb8c
relation.isAuthorOfPublication.latestForDiscovery94c5d4ac-b90e-4a4b-bf43-7638d30828f2
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