000145381 001__ 145381
000145381 005__ 20241024135331.0
000145381 0247_ $$2doi$$a10.1016/j.cities.2024.105495
000145381 0248_ $$2sideral$$a140208
000145381 037__ $$aART-2024-140208
000145381 041__ $$aeng
000145381 100__ $$aAlonso, M. Pilar
000145381 245__ $$aExploring the role of the counties in preventing financial exclusion in population shrinking territories
000145381 260__ $$c2024
000145381 5060_ $$aAccess copy available to the general public$$fUnrestricted
000145381 5203_ $$aOver the past decades, numerous European rural regions have witnessed a decline in population, accompanied by the loss of essential services, including financial services. This study examines the dynamic interplay of these processes in the comarcas (counties) of Aragon, Spain. Utilizing a panel dataset at the comarca level and a combination of multivariate statistical techniques, we investigate how sociodemographic and economic profiles interact with financial exclusion arising from the absence or scarcity of bank branches. The absence of bank branches and the saturation of the remaining depend on the evolution of economic dynamism, the ageing process, and the percentage of foreign population. Our findings have allowed us to discern that there are differences between comarcas. Specifically, we have identified three groups, which must face different problems with respect to the lack or scarcity of bank branches, as well as depopulation. This segmentation provides a detailed view of the regional reality and lays the groundwork for more precise and effective intervention strategies, highlighting the potential of comarca capitals as hubs for centralized banking services. This approach optimizes the use of limited resources and enhances the prospects for promoting sustainable development in Aragon and other rural regions of Europe.
000145381 536__ $$9info:eu-repo/grantAgreement/ES/DGA/LMP07_21$$9info:eu-repo/grantAgreement/ES/DGA/S41-20R
000145381 540__ $$9info:eu-repo/semantics/openAccess$$aby-nc$$uhttp://creativecommons.org/licenses/by-nc/3.0/es/
000145381 655_4 $$ainfo:eu-repo/semantics/article$$vinfo:eu-repo/semantics/publishedVersion
000145381 700__ $$0(orcid)0000-0002-4327-623X$$aGargallo, Pilar
000145381 700__ $$0(orcid)0000-0003-1205-1756$$aLample, Luis$$uUniversidad de Zaragoza
000145381 700__ $$0(orcid)0000-0003-2448-5228$$aLópez-Escolano, Carlos$$uUniversidad de Zaragoza
000145381 700__ $$0(orcid)0000-0003-1394-9816$$aMiguel, Jesús A.$$uUniversidad de Zaragoza
000145381 700__ $$0(orcid)0000-0002-5788-6661$$aSalvador, Manuel$$uUniversidad de Zaragoza
000145381 7102_ $$14014$$2623$$aUniversidad de Zaragoza$$bDpto. Economía Aplicada$$cÁrea Métodos Cuant.Econ.Empres
000145381 7102_ $$14002$$2230$$aUniversidad de Zaragoza$$bDpto. Contabilidad y Finanzas$$cÁrea Economía Finan. y Contab.
000145381 773__ $$g155 (2024), 105495 [15 pp.]$$pCities$$tCities$$x0264-2751
000145381 8564_ $$s6565390$$uhttps://zaguan.unizar.es/record/145381/files/texto_completo.pdf$$yVersión publicada
000145381 8564_ $$s2606151$$uhttps://zaguan.unizar.es/record/145381/files/texto_completo.jpg?subformat=icon$$xicon$$yVersión publicada
000145381 909CO $$ooai:zaguan.unizar.es:145381$$particulos$$pdriver
000145381 951__ $$a2024-10-24-12:11:43
000145381 980__ $$aARTICLE