Proyecto Capital
Financial inclusion opportunities in Latin America and the Caribbean
A woman who saves is a life that changes lifes.
Publications (En breve)

This paper provides an initial analysis of the indicators reported by Global Findex for Peru about financial inclusion. It's based on surveys and the development of indicators that allow comparisons between countries and regions.

It starts from the idea that many countries are promoting the participation of the population in the financial market, as a policy to overcome poverty. In that sense, the author makes a reflection on Peruvian indicators and progress in financial inclusion being implemented in this country.

According to some results, Peru is is near the LAC average in some cases and far below the average in others.

Published in Publications

This research examines the way in which users in the JUNTOS program (Peru) understand what it means to use money appropriately; observe how that changes with their participation in Financial Education Programs (FEP), and identify commonalities and differences of their notions, compared with good management indicators arising from the programs.

This study focused on the Peruvian departments Puno and La Libertad, on districts where the Saving Promotion Program had been implemented (2010-2012): Paucarcolla and Atuncolla (Puno); Mache and Agallpampa (La Libertad). The FEP aimed mainly at the practice of financial savings and consists of a series of in-person training sessions for women.

32 interviews were carried out with JUNTOS users: half of them participated in the FEP and the other half not. In this way, we identified the concepts of money management and how these changed after participation in a FEP.

Published in Publications

This paper summarizes the findings of the conditions for the deployment of Monetary Financial Services (MFS) in Peru. It is developed in the framework of an investigation covering case studies in Guatemala, Peru, Paraguay and El Salvador, and a comparative study between these countries, where the MFS are in an early stage of development and deployment potential. The information is based on questionnaires that collect the perceptions of stakeholders between September and November 2012.

Published in Publications

This paper summarizes the findings of the conditions for the deployment of Monetary Financial Services (MFS) in El Salvador. It is developed in the framework of an investigation covering case studies in Guatemala, Peru, Paraguay and El Salvador, and a comparative study between these countries, where the MFS are in an early stage of development and deployment potential. The information is based on questionnaires that collect the perceptions of stakeholders between September and November 2012.

Published in Publications

This paper summarizes the findings of the conditions for the deployment of Monetary Financial Services (MFS) in Paraguay. It is developed in the framework of an investigation covering case studies in Guatemala, Peru, Paraguay and El Salvador, and a comparative study between these countries, where the MFS are in an early stage of development and deployment potential. The information is based on questionnaires that collect the perceptions of stakeholders between September and November 2012.

Published in Publications

This paper summarizes the findings of the conditions for the deployment of Monetary Financial Services (MFS) in Guatemala. It is developed in the framework of an investigation covering case studies in Guatemala, Peru, Paraguay and El Salvador, and a comparative study between these countries, where the MFS are in an early stage of development and deployment potential. The information is based on questionnaires that collect the perceptions of stakeholders between September and November 2012.

Published in Publications

More and more frequently, technological devices, such as mobile phones, facilitate access to financial services. However, there are not experiences that have used these mechanisms in financial education processes, despite the proven potential of mobile -especially for SMS- on educational processes and behavior changes. From this finding, the project "Innovations for Scaling-up Financial Education" incorporates SMS as a communication strategy for financial education programs.

This paper describes the design of a pilot intervention in La Libertad region of Peru, that used SMS to enhance the work of JUNTOS CCT program in the process of financial education.

Published in Publications

As part of the Todas Cuentan initiative, financed by the International Development Research Centre (IDRC) of Canada and implemented by the University of Chile Economics Department, along with the Instituto de Estudios Peruanos (IEP) and the Fundación Capital, and supported by the Ford Foundation and the IDRC of Canada, an evaluation was undertaken of the intervention to promote saving among rural woman beneficiaries of the JUNTOS program using ICTs. This evaluation, carried out by Martín Valdivia (Grade) and Alberto Chong (IDB) seeks to determine the effect of exposing women in the JUNTOS program to socio-dramas that transmit pro-savings messages with which they can identify.

Published in Publications

As part of the Todas Cuentan initiative, a project financed by the International Development Research Centre (IDRC) of Canada and implemented by the University of Chile’s Economics Department, along with the Instituto de Estudios Peruanos and Fundación Capital, and supported by the Ford Foundation and IDRC of Canada, an evaluation of Local Savings and Loan Groups in Colombia was proposed. The purpose of the evaluation, carried out by Luz Magdalena Salas with support from IED Iniciativas Empresariales de Desarrollo Microfinanzas and Corporación Vital, is to determine the effect of various innovative savings incentive strategies on participants’ savings and investment decisions, to provide input for policies to promote saving.

Published in Publications

As part of the Todas Cuentan (Everyone Counts) initiative, a project financed by the International Development Research Centre (IDRC) of Canada  and implemented by the University of Chile's Economics Department, along with the Institute of Peruvian Studies (Instituto de Estudios Peruanos, IEP) and the Capital Foundation (Fundación Capital), and supported by the Ford Foundation and the IDRC of Canada, an evaluation of the Oportunidades conditional cash transfer program is being carried out by Carlos Chiapa (El Colegio de México). The evaluation is designed to contribute to discussion of the benefits of savings-linked conditional cash transfer programs and to create evidence of the impact that certain savings schemes can have, through mental accounting and default mechanisms, on variables such as total savings and health expenditures.

Published in Publications

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