Exploring the role of the counties in preventing financial exclusion in population shrinking territories
Alonso, M. Pilar ; Gargallo, Pilar ; Lample, Luis (Universidad de Zaragoza) ; López-Escolano, Carlos (Universidad de Zaragoza) ; Miguel, Jesús A. (Universidad de Zaragoza) ; Salvador, Manuel (Universidad de Zaragoza)
Resumen: Over 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.
Idioma: Inglés
DOI: 10.1016/j.cities.2024.105495
Año: 2024
Publicado en: Cities 155 (2024), 105495 [15 pp.]
ISSN: 0264-2751
Financiación: info:eu-repo/grantAgreement/ES/DGA/LMP07_21
Financiación: info:eu-repo/grantAgreement/ES/DGA/S41-20R
Tipo y forma: Article (Published version)
Área (Departamento): Área Métodos Cuant.Econ.Empres (Dpto. Economía Aplicada)
Área (Departamento): Área Economía Finan. y Contab. (Dpto. Contabilidad y Finanzas)
You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use. You may not use the material for commercial purposes.
Exportado de SIDERAL (2024-10-24-12:11:43)
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Idioma: Inglés
DOI: 10.1016/j.cities.2024.105495
Año: 2024
Publicado en: Cities 155 (2024), 105495 [15 pp.]
ISSN: 0264-2751
Financiación: info:eu-repo/grantAgreement/ES/DGA/LMP07_21
Financiación: info:eu-repo/grantAgreement/ES/DGA/S41-20R
Tipo y forma: Article (Published version)
Área (Departamento): Área Métodos Cuant.Econ.Empres (Dpto. Economía Aplicada)
Área (Departamento): Área Economía Finan. y Contab. (Dpto. Contabilidad y Finanzas)
You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use. You may not use the material for commercial purposes. Exportado de SIDERAL (2024-10-24-12:11:43)
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Este artículo se encuentra en las siguientes colecciones:
Articles > Artículos por área > Métodos Cuantitativos para la Economíay la Empresa
Articles > Artículos por área > Economía Financiera y Contabilidad
Record created 2024-10-24, last modified 2024-10-24