<?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>S1665-53462017000100043</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Análisis espacial de la inclusión financiera y su relación con el nivel de pobreza en los municipios mexicanos]]></article-title>
<article-title xml:lang="en"><![CDATA[Spatial Analysis of Financial Inclusion and the Relation with Poverty Level in Mexican Municipalities]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Pérez Akaki]]></surname>
<given-names><![CDATA[Pablo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Fonseca Soto]]></surname>
<given-names><![CDATA[María del Rocío]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional Autónoma de México Facultad de Estudios Superiores ]]></institution>
<addr-line><![CDATA[Acatlán ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional Autónoma de México Facultad de Estudios Superiores ]]></institution>
<addr-line><![CDATA[Acatlán ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2017</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2017</year>
</pub-date>
<volume>12</volume>
<numero>1</numero>
<fpage>43</fpage>
<lpage>62</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462017000100043&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462017000100043&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462017000100043&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de este trabajo es conocer la importancia que tiene la inclusión financiera y su relación estadística espacial con la pobreza a nivel municipal en México en el año 2010. Para ello, se propone que mediante el uso de las técnicas de análisis espacial econométrico se evalúe la relación entre estos conceptos en el caso de los municipios de México, incluyendo un conjunto de variables de control a nivel municipal. En el ejercicio de análisis se encontró que existe una relación importante entre inclusión financiera y pobreza a nivel municipal, aunque depende de la definición usada de inclusión. Los ejercicios empíricos desarrollados corresponden al año 2010, por lo que los resultados no son generalizables a las fechas actuales, aunque dan evidencia de esa relación en un pasado reciente. La originalidad del trabajo radica en que el uso de la metodología para el análisis de estos casos no se había dado con anterioridad, lo cual destaca la importancia de las vecindades territoriales y de la importancia entonces del espacio en el diseño de soluciones a los problemas del desarrollo. El trabajo concluye que existe una relación causal importante y positiva entre inclusión financiera y la pobreza municipal, la cual es más robusta cuando incorpora las vecindades espaciales.  Clasificación JEL:  R51, 016.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The aim of this study was to determine the importance of financial inclusion and spatial statistics regarding poverty at the municipal level in Mexico in 2010. To this end, it is proposed the use of techniques of spatial econometric analysis to evaluate the relationship between these concepts in the case of the municipalities of Mexico, including a set of control variables at the municipal level. The results of estimation of econometric models found that there is an important relationship between financial inclusion and poverty at the municipal level, although it depends on the definition used for financial inclusion. The empirical exercises were developed for the year 2010, so the results are not generalizable to the current dates, but provide evidence of that relationship in the recent past. The originality of this work is that the use of the methodology for the analysis of these cases had not previously given, highlighting the importance of territorial neighborhoods and the importance of space in designing solutions to problems of development. The paper concludes that there is a significant and positive causal relationship between financial inclusion and municipal poverty, which is more robust when space incorporates neighborhoods.  JEL Classification:  R51,016.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Inclusión Financiera]]></kwd>
<kwd lng="es"><![CDATA[México]]></kwd>
<kwd lng="es"><![CDATA[Desarrollo Económico]]></kwd>
<kwd lng="es"><![CDATA[Municipios]]></kwd>
<kwd lng="es"><![CDATA[Pobreza]]></kwd>
<kwd lng="en"><![CDATA[Financial Inclusion]]></kwd>
<kwd lng="en"><![CDATA[Mexico]]></kwd>
<kwd lng="en"><![CDATA[Economic Development]]></kwd>
<kwd lng="en"><![CDATA[Municipalities]]></kwd>
<kwd lng="en"><![CDATA[Poverty]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Akaki]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Fonseca]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La inclusión financiera en los municipios mexicanos en los comienzos del siglo XXI]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Pérez Lechuga]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Venegas Martínez]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Martínez Sánchez]]></surname>
<given-names><![CDATA[J. F.]]></given-names>
</name>
</person-group>
<source><![CDATA[Modelos para la toma de decisiones en la ingeniería económica y financiera: un enfoque estocástico]]></source>
<year>2015</year>
<edition>2</edition>
<publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[Universidad Autónoma del Estado de Hidalgo]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[A Survey of Recent Developments in the Literature of Finance and Growth]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ang]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Economic Surveys]]></source>
<year>2008</year>
<volume>22</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>536-76</page-range></nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="">
<article-title xml:lang=""><![CDATA[Exploring Spatial Data with GeoDaTM: A Workbook]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Anselin]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<source><![CDATA[Center for Spatially Integrated Social Science]]></source>
<year>2005</year>
</nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="">
<article-title xml:lang=""><![CDATA[Spatial Econometrics: Methods and Models]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Anselin]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<source><![CDATA[Kuwler Academic Publishers, The Netherlands]]></source>
<year>1988</year>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Avalos]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Hernández]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<source><![CDATA[Competencia bancaria en México]]></source>
<year>2006</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[CEPAL]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Beck]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Demirguc-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Levine]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Finance, Inequality and Poverty: Cross-Country Evidence. NBER]]></source>
<year>2004</year>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="">
<article-title xml:lang=""><![CDATA[Financial Inclusion: What&#8217;s the vision?]]></article-title>
<collab>Center for Financial Inclusion - CFI</collab>
<source><![CDATA[Center for Financial Inclusion]]></source>
<year>2009</year>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="">
<article-title xml:lang=""><![CDATA[Mexico&#8217;s Prospects for Full Financial Inclusion]]></article-title>
<collab>Center for Financial Inclusion - CFI</collab>
<source><![CDATA[Center for Financial Inclusion]]></source>
<year>2009</year>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Claessens]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Feijen]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial Sector Development and the Millennium Development Goals]]></source>
<year>2006</year>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="">
<collab>Comisión Nacional Bancaria y de Valores</collab>
<source><![CDATA[Reporte de Inclusión Financiera 3]]></source>
<year>2011</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="">
<collab>Comisión Nacional Bancaria y de Valores</collab>
<source><![CDATA[Reporte de Inclusión Financiera 4]]></source>
<year>2012</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Demirguc-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Levine]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Demirguc-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Levine]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial Structure and Economic Growth: Perspectives and Lessons]]></source>
<year>2001</year>
<page-range>3-14</page-range></nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="">
<article-title xml:lang=""><![CDATA[Measuring Financial Inclusion: The Global Findex Database]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Demirguc-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Klapper]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<source><![CDATA[The World Bank]]></source>
<year>2012</year>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="">
<collab>Diario Oficial de la Federación</collab>
<source><![CDATA[Acuerdo por el que se crea el Consejo Nacional de Inclusión Financiera]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="">
<article-title xml:lang=""><![CDATA[a estructura financiera y el crecimiento económico]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Goldsmith]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<source><![CDATA[CEMLA]]></source>
<year>1963</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Honohan]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial Development, Growth and Poverty: How Close are the Links?]]></source>
<year>2004</year>
</nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="">
<article-title xml:lang=""><![CDATA[Encuesta Nacional de Inclusión Financiera]]></article-title>
<collab>Instituto Nacional de Estadística y Geografía</collab>
<source><![CDATA[Análisis descriptivo de los resultados]]></source>
<year>2012</year>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Financial Development and Economic Growth. Another Look at the Evidence from Developing Countries]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Khalifa]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
</person-group>
<source><![CDATA[Review of Financial Economics]]></source>
<year>2002</year>
<volume>11</volume>
<page-range>131-50</page-range></nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Legal Determinants of External Finance]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[La Porta]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<source><![CDATA[The Journal of Finance]]></source>
<year>1997</year>
<volume>52</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>1131-50</page-range></nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Financial Development and Economic Growth: Views and Agenda]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Levine]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Journal of Economic Literature]]></source>
<year>1997</year>
<volume>35</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>688-726</page-range></nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Finance and Growth: Schumpeter might be Right]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Levine]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[King]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<source><![CDATA[The Quarterly Journal of Economics]]></source>
<year>1993</year>
<volume>108</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>717-36</page-range></nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lustig]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Crecimiento económico y reducción de la pobreza]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Boltvinic]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Damián]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[La pobreza en México y el mundo]]></source>
<year>2004</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[Siglo XXI editores]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Moreno]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Vayá]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<source><![CDATA[Técnicas Econométricas para el tratamiento de datos espaciales: la econometría espacial]]></source>
<year>2000</year>
<publisher-loc><![CDATA[Barcelona, España ]]></publisher-loc>
<publisher-name><![CDATA[Edicions Universitat]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="">
<collab>Comisión Nacional Bancaria y de Valores</collab>
<source><![CDATA[]]></source>
<year></year>
</nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="">
<collab>Consejo Nacional de Evaluación de la Política de Desarrollo Social</collab>
<source><![CDATA[]]></source>
<year></year>
</nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="">
<collab>Instituto Nacional de Estadística y Geografía</collab>
<source><![CDATA[]]></source>
<year></year>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="">
<collab>Global Findex (Global Financial Inclusion Database)</collab>
<source><![CDATA[]]></source>
<year></year>
</nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Peña]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Vázquez]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[El impacto de los corresponsables bancarios en la inclusión financiera: una primera evaluación]]></source>
<year>2012</year>
<page-range>195-215</page-range></nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rivera]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Rodríguez]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Competencia y regulación de la banca de Centroamérica y México]]></source>
<year>2007</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
<publisher-name><![CDATA[CEPAL]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[Desarrollo financiero y crecimiento económico en México]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rodríguez]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[López]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
</person-group>
<source><![CDATA[Problemas del desarrollo]]></source>
<year>2009</year>
<volume>40</volume>
<numero>159</numero>
<issue>159</issue>
<page-range>39-60</page-range></nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="journal">
<article-title xml:lang=""><![CDATA[A Computer Movie Simulating Urban Growth in the Detroit Region]]></article-title>
<person-group person-group-type="author">
<name>
<surname><![CDATA[Tobler]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<source><![CDATA[Economic Geography]]></source>
<year>1970</year>
<volume>46</volume>
<page-range>234-40</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
