<?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>1870-2171</journal-id>
<journal-title><![CDATA[Panorama económico (Ciudad de México)]]></journal-title>
<abbrev-journal-title><![CDATA[Panor. econ. (Ciudad de México)]]></abbrev-journal-title>
<issn>1870-2171</issn>
<publisher>
<publisher-name><![CDATA[Instituto Politécnico Nacional, Coordinación de Publicaciones de la  Escuela Superior de Economía]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1870-21712020000200031</article-id>
<article-id pub-id-type="doi">10.29201/pe-ipn.v16i31.221</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Efectos de la inclusión financiera en la pobreza en México en el lapso 2000-2017]]></article-title>
<article-title xml:lang="en"><![CDATA[Effects of financial inclusion on poverty in Mexico in the period 2000-2017]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cernichiaro Reyna]]></surname>
<given-names><![CDATA[Christopher]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Virtual CNCI  ]]></institution>
<addr-line><![CDATA[Ciudad de México ]]></addr-line>
<country>México</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2020</year>
</pub-date>
<volume>16</volume>
<numero>31</numero>
<fpage>31</fpage>
<lpage>46</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1870-21712020000200031&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1870-21712020000200031&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1870-21712020000200031&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen De acuerdo con los lineamientos del Programa de Inclusión Social Prospera, a través de la promoción del ahorro, de la adquisición de créditos y de seguros, el nivel de vida de sus beneficiarios aumentará. Asimismo, las investigaciones para México señalan una causalidad positiva entre ahorro a ingreso de la población más rezagada económicamente. Para verificar el desempeño empírico de dichos argumentos se utiliza un modelo SVAR con datos mensuales mexicanos, que abarcan desde enero de 2000 hasta diciembre de 2017, de ahorro, crédito, seguros e ingreso per cápita. Los resultados muestran que el ahorro implica un costo de oportunidad en términos de menor poder adquisitivo durante aproximadamente dos años. Por otro lado, el crédito aumenta el poder adquisitivo de manera sostenida, lo cual posiblemente se debe a la contratación adicional de deuda. Por último, los resultados señalan que la adquisición de seguros contribuye a preservar el poder adquisitivo del ingreso.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract According to Mexican social care program named Prospera, and academical papers for the Mexican case, saving, credit and insurance has positive effects on individual income. To verify such statements a SVAR is built using Mexican monthly data from January 2000 to December 2017. Estimations show that savings deter purchase power at least for the first two years. Also, credit has a positive impact on purchase power, possibly because more credit is contracted. Finally, insurance acquisition contributes to preserve purchase power.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[ahorro]]></kwd>
<kwd lng="es"><![CDATA[crédito]]></kwd>
<kwd lng="es"><![CDATA[seguros]]></kwd>
<kwd lng="es"><![CDATA[ingreso]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[saving]]></kwd>
<kwd lng="en"><![CDATA[credit]]></kwd>
<kwd lng="en"><![CDATA[insurance]]></kwd>
<kwd lng="en"><![CDATA[income]]></kwd>
</kwd-group>
</article-meta>
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