Solutions to Financial Exclusion in Rural and Depopulated Areas: Evidence Based in Castilla y León (Spain)

  1. Náñez Alonso, Sergio Luis
  2. Jorge-Vazquez, Javier
  3. Reier Forradellas, Ricardo Francisco
  4. Ahijado Dochado, Elena
Revista:
Land

ISSN: 2073-445X

Ano de publicación: 2022

Volume: 11

Número: 1

Páxinas: 74

Tipo: Artigo

DOI: 10.3390/LAND11010074 GOOGLE SCHOLAR lock_openAcceso aberto editor

Outras publicacións en: Land

Obxectivos de Desenvolvemento Sustentable

Resumo

: Access to banking and financial services is defined by various international organizationsas essential to ensure the development of countries and regions. However, this access is not alwaysguaranteed, even in developed countries. Our study focuses on analyzing the current situation ofseveral rural and depopulated areas of Castilla y León (Spain) in terms of access to banking servicesand cash. For this purpose, an initial spatial analysis has been carried out to compute the access tothese services measured in kilometers needed to travel to access them. Subsequently, we included,as a possible solution, the access to these financial services through their implementation (as a cashback point) in the extensive Spanish network of pharmacies. The results obtained in the spatialanalysis show that the introduction of the network of pharmacies as a point of access to cash meansa significant reduction in the distance to travel in municipalities in rural and unpopulated areas inorder to access cash. In the case of the province of Avila the distance would be reduced by 55%,in the province of Segovia the distance would be reduced by 38.5%, in the province of Soria thedistance would be reduced by 20%, in the province of Palencia the distance would be reduced by22%; and finally in the province of Zamora the distance would be reduced by 33%.

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