<?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>1665-5346</journal-id>
<journal-title><![CDATA[Revista mexicana de economía y finanzas]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. mex. econ. finanz]]></abbrev-journal-title>
<issn>1665-5346</issn>
<publisher>
<publisher-name><![CDATA[Instituto Mexicano de Ejecutivos de Finanzas A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1665-53462017000300045</article-id>
<article-id pub-id-type="doi">10.21919/remef.v12i3.96</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Inclusión financiera y cohesión social en los municipios de México]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial Inclusion and Social Cohesion in Mexican Municipalities]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Salazar Cantú]]></surname>
<given-names><![CDATA[José de Jesús]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Rodríguez Guajardo]]></surname>
<given-names><![CDATA[Raymundo Cruz]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Jaramillo Garza]]></surname>
<given-names><![CDATA[Juvencio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Tecnológico de Monterrey Campus Monterrey Departamento de Economía]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma de Nuevo León Departamento de Administración ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2017</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2017</year>
</pub-date>
<volume>12</volume>
<numero>3</numero>
<fpage>45</fpage>
<lpage>66</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462017000300045&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462017000300045&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462017000300045&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: El objetivo del presente estudio es probar el efecto de la inclusión financiera en el nivel de cohesión social en los municipios de México. La metodología contempla la construcción de dos índices de inclusión financiera y la estimación de modelos probit, con información de 2010. Los resultados prueban estadísticamente la relación no lineal, en forma de campana, entre la inclusión financiera y la cohesión social en los municipios mexicanos, igualmente permiten observar la brecha existente entre los niveles de inclusión y aquellos que maximizarían la probabilidad de alcanzar una alta cohesión social municipal. Las principales limitaciones de la investigación fueron la carencia de una teoría consolidada sobre el fenómeno bajo análisis y la falta de información para algunas de las variables consideradas en la estimación. El estudio es el primero que revisa la relación entre la inclusión financiera y la cohesión social a nivel municipal para cualquier país, ambas variables presentes en los planes del actual gobierno mexicano. La inclusión financiera también está significando inclusión social en los municipios mexicanos, consolidar esta estrategia luce promisorio para el pueblo de México.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: The objective of this study is to prove the effect of financial inclusion on the level of social cohesion in Mexican municipalities. The methodology led to the elaboration of two financial inclusion indexes and the estimation of probit models, based on 2010 data. The results statistically prove the non-linear, bell-shaped relation between financial inclusion and social cohesion in Mexican municipalities, and allow to observe the existing gap between inclusion levels and those that would maximize the probability of reaching a high social cohesion at a municipal level. The main limitations of the investigation were the absence of a consolidated theory regarding the analyzed phenomenon, and the lack of information for some of the variables that were considered in the estimation. This study is the first one to elaborate on the relation between financial inclusion and social cohesion at a municipal level for any country, two variables that are present in the Mexican government&#8217;s current plans. Financial inclusion also means social inclusion for the municipalities, so the consolidation of this strategy seems promising for the Mexican people.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[Cohesión social]]></kwd>
<kwd lng="es"><![CDATA[Desigualdad]]></kwd>
<kwd lng="es"><![CDATA[Municipios mexicanos]]></kwd>
<kwd lng="en"><![CDATA[Financial Inclusion]]></kwd>
<kwd lng="en"><![CDATA[Social Cohesion]]></kwd>
<kwd lng="en"><![CDATA[Inequality]]></kwd>
<kwd lng="en"><![CDATA[Mexican Municipalities]]></kwd>
</kwd-group>
</article-meta>
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