Publication: La relación causa-efecto entre exclusión/inclusión social y financiera. Una aproximación teórica
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2021
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Facultad de Ciencias Económicas y Empresariales. Escuela de Estudios Cooperativos
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La realidad social y económica actual representada en situaciones de vulnerabilidad y desigualdad ha dejado al descubierto tipos de exclusión que no estaban abordados en los diferentes estudios, como son los casos de la exclusión financiera y social, dado que tales conceptos eran comúnmente identificados en términos de pobreza, miseria o marginalidad, entre otros. Estas nuevas categorías de estudio dan lugar a la búsqueda de estrategias que permitan disminuir esa brecha de desigualdad, mediante el estudio de la relación entre la inclusión financiera y la inclusión social.
En esta línea, el presente trabajo tiene como propósito desarrollar una aproximación teórica que visibilice la relación causa y efecto existente entre la exclusión e inclusión social y financiera. El enfoque metodológico utilizado para tal aproximación se basa en una reflexión teórico-conceptual, fundamentada en una revisión de la literatura científica abordada alrededor de las cuatro categorías de estudio propuestas, desarrollada a partir de trabajos empíricos y teóricos que permitieron evidenciar los elementos comunes que soportan la relación conceptual. En un primer apartado conceptual se exponen los fundamentos teóricos, en el segundo se plantea el análisis teórico de la relación causa y efecto y se finaliza con los hallazgos y las limitaciones encontradas a lo largo del trabajo.
The current social and economic reality represented in situations of vulnerability and inequality has exposed types of exclusion that were not addressed in the different studies, such as cases of financial and social exclusion, given that such concepts were commonly identified with terms such as poverty, misery or marginality, among others. These new categories of study give rise to the search for strategies that allow to reduce this inequality gap, by studying the relationship between financial inclusion and social inclusion. In this line, the present work aims to develop a theoretical approach that makes visible the cause and effect relationship between social and financial exclusion and inclusion. The methodological approach used for such an approach is based on a theoretical-conceptual reflection, based on a review of the scientific literature addressed around the four proposed study categories, developed from empirical and theoretical works that allowed to demonstrate the common elements that support the conceptual relationship. In the first conceptual section the theoretical foundations are exposed, in the second the theoretical analysis of the cause and effect relationship is presented and the findings and limitations found throughout the work are finalized.
The current social and economic reality represented in situations of vulnerability and inequality has exposed types of exclusion that were not addressed in the different studies, such as cases of financial and social exclusion, given that such concepts were commonly identified with terms such as poverty, misery or marginality, among others. These new categories of study give rise to the search for strategies that allow to reduce this inequality gap, by studying the relationship between financial inclusion and social inclusion. In this line, the present work aims to develop a theoretical approach that makes visible the cause and effect relationship between social and financial exclusion and inclusion. The methodological approach used for such an approach is based on a theoretical-conceptual reflection, based on a review of the scientific literature addressed around the four proposed study categories, developed from empirical and theoretical works that allowed to demonstrate the common elements that support the conceptual relationship. In the first conceptual section the theoretical foundations are exposed, in the second the theoretical analysis of the cause and effect relationship is presented and the findings and limitations found throughout the work are finalized.
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