Financial inclusion gaps among women entrepreneurs: a rural-urban analysis in Mexico, 2021
OBJECTIVE: To compare the levels of financial inclusion of women entrepreneurs based on the size of their locality of residence (rural, low-urban, medium-urban, and upper-urban areas,) in the Northeast and Western–Bajío regions of Mexico. MATERIAL AND METHOD: A quantitative analysis was conducted. T...
| Autores: | , , |
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| Tipo de recurso: | artículo |
| Estado: | Versión publicada |
| Fecha de publicación: | 2025 |
| País: | México |
| Institución: | UNIVERSIDAD AUTÓNOMA DE TABASCO |
| Repositorio: | Hitos de Ciencias Económico Administrativas |
| OAI Identifier: | oai:revistahitos.ujat.mx:article/6309 |
| Acceso en línea: | https://revistahitos.ujat.mx/hitos/article/view/6309 |
| Access Level: | acceso abierto |
| Palabra clave: | empresas inclusión financiera mujeres zonas rurales. enterprises financial inclusion women rural areas. |
| Sumario: | OBJECTIVE: To compare the levels of financial inclusion of women entrepreneurs based on the size of their locality of residence (rural, low-urban, medium-urban, and upper-urban areas,) in the Northeast and Western–Bajío regions of Mexico. MATERIAL AND METHOD: A quantitative analysis was conducted. The sample consisted of 372 women entrepreneurs, distributed across four locality strata: rural (n=65), lower-urban (n=42), middle-urban (n=64), and upper-urban (n=201). Three dimensions of financial inclusion (access, use, and quality) were evaluated using the Chi-square test (p<0.05) to identify statistically significant differences among strata. RESULTS: Women in rural areas present a clear disadvantage in access to and use of formal financial products—such as payroll accounts (1.5% vs. 19.4% in high-urban areas), bank loans (4.6% vs. 18.4%), and Afore retirement accounts (6.3% vs. 39.4%)—demonstrating a greater reliance on informal mechanisms. CONCLUSIONS: The study highlights the need to design differentiated, gender-sensitive financial inclusion policies that prioritize women entrepreneurs in rural areas. These interventions, aimed at overcoming the identified barriers to access and use, represent a crucial strategy for reducing socioeconomic vulnerability and improving the quality of life of this segment of the population. |
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