127925 20250612142454.0 doi 10.1016/j.jrurstud.2023.103105 sideral 135029 ART-2023-135029 eng Alonso, María Pilar Financial exclusion, depopulation, and ageing: An analysis based on panel data 2023 Access copy available to the general public Unrestricted This paper focuses on the relationship between rural depopulation and territorial financial exclusion. We provide a replicable statistical methodology to identify the existing patterns at municipal level based on the degree of financial exclusion caused by the absence (named as Type I financial exclusion) or paucity (named as Type II financial exclusion) of bank branches. Firstly, the extent to which the sociodemographic characteristics of a municipality influence its degree and type of financial exclusion is analyzed by using panel data regression models. Secondly, by means of cluster analysis techniques, a typology of municipalities is provided that takes into account their sociodemographic characteristics as well as their availability of bank branches. Within this context, this paper explores the case of Aragón (Spain), a European region with significant depopulation and over-ageing problems. Our results show a lack of homogeneity across Aragonese municipalities, both in the processes of depopulation and financial exclusion. This heterogeneity has led us to propose financial inclusion measures tailored to the population size as well as the degree of ageing, the employment possibilities, and labor dynamism of each group of municipalities. In other words, this paper reveals the need to propose measures that accommodate each territory's peculiarities, which could contribute to the achievement of sustainable territorial development in Aragón. info:eu-repo/grantAgreement/ES/DGA/LMP07-21 info:eu-repo/grantAgreement/ES/DGA/S41-20R info:eu-repo/grantAgreement/ES/DGA/S41-23R info:eu-repo/grantAgreement/ES/MICINN/PID2020-112734RB-C31 info:eu-repo/semantics/openAccess by-nc http://creativecommons.org/licenses/by-nc/3.0/es/ 5.1 2023 REGIONAL & URBAN PLANNING 6 / 54 = 0.111 2023 Q1 T1 GEOGRAPHY 9 / 172 = 0.052 2023 Q1 T1 1.542 2023 Development 2023 Q1 Sociology and Political Science 2023 Q1 Geography, Planning and Development 2023 Q1 Forestry 2023 Q1 9.8 2023 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Gargallo, Pilar Universidad de Zaragoza (orcid)0000-0003-1205-1756 López Escolano, Carlos Universidad de Zaragoza (orcid)0000-0002-1653-7780 Miguel, Jesús Universidad de Zaragoza (orcid)0000-0003-1394-9816 Salvador, Manuel Universidad de Zaragoza (orcid)0000-0002-5788-6661 3006 435 Universidad de Zaragoza Dpto. Geograf. Ordenac.Territ. Área Geografía Humana 4014 623 Universidad de Zaragoza Dpto. Economía Aplicada Área Métodos Cuant.Econ.Empres 103 (2023), 103105 [15 pp.] J. rural stud. JOURNAL OF RURAL STUDIES 0743-0167 12695174 http://zaguan.unizar.es/record/127925/files/texto_completo.pdf Versión publicada 2540723 http://zaguan.unizar.es/record/127925/files/texto_completo.jpg?subformat=icon icon Versión publicada oai:zaguan.unizar.es:127925 articulos driver 2025-06-12-14:23:39 ARTICLE