Financial Inclusion in Latin America and the Caribbean: Access, Usage and Quality

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April 2015
Paper author(s): 
Maria José Roa
Financial Economics

This study presents a general overview of financial inclusion in Latin America and the Caribbean. We employ data for the three dimensions: access, use and quality, which outline a complete picture of the nature and characteristics of financial in the region. This information is essential for identifying weaknesses in financial market development and serves as a basis for elaborating effective inclusion strategies. As will be seen, despite the steps taken in the region to achieve greater participation of the population in the formal financial sector, levels of inclusion in all its dimensions continue to be low, although with substantial differences among the economies. A considerable amount of the population continues to use the informal financial sector for making their transactions, particularly loans.


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