Título en español: Evolución de los cambios en el acceso a servicios financieros de los hogares en México: un análisis de la encuesta de panel BANSEFI / SAGARPA 2004-2007.

In March 2004, BANSEFI and SAGARPA began a project to examine the impact on households I of the Program to Strengthen the Popular Credit and Savings Sector (Programa de Fortalecimiento del Sector de Ahorro y Crédito Popular), which was designed to help non-bank financial intermediaries to abide by the Ley de Ahorro y Crédito Popular (LACP), passed by the Mexican Congress in 2001. During the spring of 2004, 5,768 households were surveyed. The survey was repeated each of the next three years. Attrition over the survey period was substantial, but in 2007, 3,723 of the households surveyed in 2004 were interviewed for the last time. This report analyzes the household survey data in an attempt to shed light on the impact of the Program. The principal findings of the report are: 1) The penetration' of popular sector financial institutions increased markedly between 2004 and 2007. A conservative estimate shows that penetration among households in the surveyed communities increased by 20 percentage points (from 33 percent to 53 percent) over the three years. 2) Among survey households which were unbanked in 2004, households with higher expenditure levels in 2004, and households whose heads have higher levels of formal schooling, were more likely to have opened an account before 2007. This pattern is consistent with the tendencies in the baseline data. That is, in 2004, households with accounts were wealthier (measured by both expenditure levels and ownership of durable assets) and had higher education levels.

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