<?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>0188-3380</journal-id>
<journal-title><![CDATA[Economía: teoría y práctica]]></journal-title>
<abbrev-journal-title><![CDATA[Econ: teor. práct]]></abbrev-journal-title>
<issn>0188-3380</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, a través de la Unidad Iztapalapa, la Unidad Azcapotzalco y la Unidad Xochimilco, División de Ciencias Sociales]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0188-33802019000200135</article-id>
<article-id pub-id-type="doi">10.24275/etypuam/ne/512019/gonzalez</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Medición de la marginación financiera en México: un enfoque de clases latentes]]></article-title>
<article-title xml:lang="en"><![CDATA[Measurement of Financial Marginalization in Mexico: A Latent Class Approach]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[González Núñez]]></surname>
<given-names><![CDATA[José Carlos]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vargas Chanes]]></surname>
<given-names><![CDATA[Delfino]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Anáhuac  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional Autónoma de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2019</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2019</year>
</pub-date>
<numero>51</numero>
<fpage>135</fpage>
<lpage>163</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0188-33802019000200135&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0188-33802019000200135&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0188-33802019000200135&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La medición de la marginación financiera se discute en los medios políticos, académicos y organizaciones públicas y privadas con la finalidad de implementar políticas públicas para el desarrollo de un sistema financiero incluyente y solvente. El trabajo tiene como objetivo construir un índice de medición de la marginación financiera, con base en cuatro dimensiones que son el ahorro formal e informal, el crédito formal e informal, los seguros y el uso de canales financieros, y está sustentado en datos de la Encuesta Nacional de Inclusión Financiera de 2012 ( ENIF). Para la construcción del índice se utiliza el análisis factorial y se realiza el análisis de clases latentes con la finalidad de identificar las covariables explicativas y formar grupos de marginación financiera.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The measurement of financial marginalization is discussed in political circles, academics and private and organizations public, in order to implement public policies for the development of an inclusive and solvent financial system. The objective of this paper is to construct an index of financial marginalization based on four dimensions: savings (formal and informal), credit (formal and informal), insurance and use of financial channels, backed by data from the 2012 National Financial Inclusion Survey (ENIF , Spanish initials). Factorial analysis is used to construct the index, and analysis of latent classes is done to identify explanatory covariates and the formation of latent financially marginalized classes.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[marginación financiera]]></kwd>
<kwd lng="es"><![CDATA[medición]]></kwd>
<kwd lng="es"><![CDATA[clases latentes]]></kwd>
<kwd lng="es"><![CDATA[análisis factorial]]></kwd>
<kwd lng="en"><![CDATA[financial marginalization]]></kwd>
<kwd lng="en"><![CDATA[measurement]]></kwd>
<kwd lng="en"><![CDATA[latent classes]]></kwd>
<kwd lng="en"><![CDATA[factor analysis]]></kwd>
</kwd-group>
</article-meta>
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