<?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>2448-718X</journal-id>
<journal-title><![CDATA[El trimestre económico]]></journal-title>
<abbrev-journal-title><![CDATA[El trimestre econ]]></abbrev-journal-title>
<issn>2448-718X</issn>
<publisher>
<publisher-name><![CDATA[Fondo de Cultura Económica]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-718X2025000200451</article-id>
<article-id pub-id-type="doi">10.20430/ete.v92i366.2210</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[La relación entre la inclusión financiera y la inclusión social: evidencias de Brasil]]></article-title>
<article-title xml:lang="en"><![CDATA[The relationship between financial inclusion and social inclusion: Evidence from Brazil]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Fialho]]></surname>
<given-names><![CDATA[Tânia Maia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cordeiro]]></surname>
<given-names><![CDATA[Luciana Costa]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Timotio]]></surname>
<given-names><![CDATA[João Guilherme Magalhães]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Santiago]]></surname>
<given-names><![CDATA[Wagner de Paulo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Estatal de Montes Claros Departamento de Economía ]]></institution>
<addr-line><![CDATA[ Minas Gerais]]></addr-line>
<country>Brazil</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Estatal de Montes Claros Departamento de Economía ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Brazil</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Estatal de Montes Claros Departamento de Administración ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Brazil</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad Estatal de Montes Claros Departamento de Ciencias Contables ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Brazil</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<volume>92</volume>
<numero>366</numero>
<fpage>451</fpage>
<lpage>475</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-718X2025000200451&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-718X2025000200451&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-718X2025000200451&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este artículo analiza el comportamiento de la inclusión financiera en Brasil y su interrelación con la inclusión social, como pilares fundamentales del desarrollo sostenible. Se utilizaron indicadores de acceso y uso de servicios financieros proporcionados por la base de datos Global Findex y el Sistema Generador de Series Temporales (SGS) del Banco Central de Brasil, durante 2011-2021. A partir del análisis de datos y fuentes documentales, se concluye que la inclusión financiera en Brasil sigue el patrón de demanda inducida, ya que está mucho más impulsada por las políticas públicas distributivas del gobierno federal que por medidas orientadas a un acceso y uso mayores de servicios financieros, que son típicas del sistema. De ahí las percepciones de que no hay inclusión financiera sin inclusión social y de que ambas son interdependientes. Para que la primera sea efectiva, es esencial una nueva regulación del sistema financiero que no sólo privilegie la tasa de rentabilidad del sector, sino que también establezca un nuevo orden que considere la inserción en el sistema y el uso de los servicios financieros de las clases menos favorecidas económicamente.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This article analyzes the behavior of financial inclusion in Brazil and its interrelationship with social inclusion as a fundamental pillar of sustainable development. We employed indicators of access and use of financial services provided by the Global Findex Database and the Time Series Generator System of the Central Bank of Brazil, considering the period from 2011 to 2021. From the analysis of the data and the documentary sources, we conclude that financial inclusion in Brazil follows the demand-pull pattern since it is much more driven by the distributive public policies of the federal government than by measures aimed at greater access and use of financial services, which are typical of the system. Hence the perception that there is no financial inclusion without social inclusion and that both are interdependent. For financial inclusion to be effective, it is essential to have a new regulation of the financial system that not only privileges the profitability rate of the sector, but also establishes a new order that considers the insertion in the system, its use, and the use of financial services of economically less favored classes.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[inclusión social]]></kwd>
<kwd lng="es"><![CDATA[crédito]]></kwd>
<kwd lng="es"><![CDATA[ingreso]]></kwd>
<kwd lng="en"><![CDATA[Financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[social inclusion]]></kwd>
<kwd lng="en"><![CDATA[credit]]></kwd>
<kwd lng="en"><![CDATA[income]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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