<?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>0186-1042</journal-id>
<journal-title><![CDATA[Contaduría y administración]]></journal-title>
<abbrev-journal-title><![CDATA[Contad. Adm]]></abbrev-journal-title>
<issn>0186-1042</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Facultad de Contaduría y Administración]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0186-10422021000400112</article-id>
<article-id pub-id-type="doi">10.22201/fca.24488410e.2022.2891</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Determinantes de la probabilidad de acceso a seguros en Colombia]]></article-title>
<article-title xml:lang="en"><![CDATA[Determinants of the probability of access to insurance in Colombia]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Arias Ciro]]></surname>
<given-names><![CDATA[Juliana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[González Uribe]]></surname>
<given-names><![CDATA[Gabriel Jaime]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Tecnológico Metropolitano  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2021</year>
</pub-date>
<volume>66</volume>
<numero>4</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0186-10422021000400112&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0186-10422021000400112&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0186-10422021000400112&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El presente estudio ofrece evidencia empírica sobre los determinantes del acceso a los seguros en Colombia, los cuales han sido incluidos recientemente dentro de las políticas nacionales de inclusión financiera, recomendadas por la AFI, utilizando como insumo principal la Encuesta de Inclusión en Seguros realizada por el gobierno a través de la Banca de las Oportunidades, la Superintendencia Financiera y Fasecolda. Dentro de los principales resultados se encuentra que la probabilidad de acceder a un seguro obligatorio ya sea inducido por la adquisición de un crédito o no, es mayor para los hombres y aumenta con el tamaño del hogar, el estrato socioeconómico y la edad, aunque de forma no lineal. Específicamente se incrementa para aquellas personas que se encuentran trabajando y estudiando simultáneamente o sólo estudiando y para aquellas personas que cuentan con una vivienda propia, un negocio o empresa, que tienen ahorros, créditos y que tienen un nivel educativo técnico, tecnológico o de posgrado.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This study offers empirical evidence about the deciding factors of the insurance access in Colombia, which is actually included on the national financial inclusion policies recommended by AFI, using as a primary input the Inclusion Insurance Survey made by the government through Banca de las Oportunidades, Superintendencia Financiera and Fasecolda. Among the main results reached are: the mandatory insurance access probability, credit induced or not, is more significant for men. It is increased according to household size, economic status, and age, but not in a linear function. It also increases when people are both working and studying or are only studying, as well as when they have savings, credit, their own house, business or company, or technical, technological, or postgraduate studies.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Exclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[Inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[Seguros]]></kwd>
<kwd lng="es"><![CDATA[Modelos de probabilidad]]></kwd>
<kwd lng="en"><![CDATA[Financial exclusion]]></kwd>
<kwd lng="en"><![CDATA[Financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[Insurance]]></kwd>
<kwd lng="en"><![CDATA[Probabilistic models]]></kwd>
</kwd-group>
</article-meta>
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