Influencia de La Inclusión Financiera en La Informalidad Laboral en El Perú

 

Nglcufgine `f ce ngicusnùg lngeginfre fg ce nglmrhecn`e` cebmrec fg fc Zfrô

Vgm `f cms heymrfs prmbcfhes fg ce heymrèe `f peèsfs fs ce pmbrfze, sntueinùg quf pe`fifg huioms inu`e`egms areines e ces pmies pmsnbncn`e`fs `f secnr e`fcegtf, sfaôg ce MGV (2:5>) eituechfgtf fxnstf ug eprmxnhe`m `f 1159 pmbce`mrfs e gnvfc hug`nec, `f cms iuecfs 5.9:: hnccmgfs `f pfrsmges smg huctn`nhfgsnmgechfgtf pmbrfs, fs `finr fc 51% `f tm`e ce pmbceinùg y pmr imgsfiufgin imgsfiufginee fs uge `f ces prnginpecfs prnginpecfs ieuses `f quf fxnste ce nglmrhecn`e` nglmrhecn`e` cebmrec fg cms peèsfs peèsfs fste e su vfz fste fs uge `f ces ieuses pm pmrr ces quf fhpfz fhpfzermg ermg e suranr suranr fgtn`e`fs fgtn`e`fs lngeginfres quf lmhfgtfg fc eiifsm lngeginfrm e ces pfrsmges quf tnfgfg fsiesms rfiursms fimgùhnims e cm quf cufam sf cf gmhbrm imhm ngicusnùg lngeginfre. –Fste rfinîg tuvm uge areg rfcfvegine e prnginpnms `fc eõm ye quf sf vmcvnù imhm mbdftnvm imhôg fg ces eafg`es `f cms peèsfs quf imglmrheg fc A2:, ambnfrgms, sfirfterèes `f oeinfg`e, mraegnshms ngtfrgeinmgecfs y begims ifgtrecfs fgtrf mtrms. Ces rezmgfs smg prnhmr`nechfgtf4 ce rfceinùg quf fxnstf fgtrf ce pmbrfze y ce fxicusnùg lngeginfre, ce prfmiupeinùg pmr ecaugms mraegnshms quf sf fgieraeg `f ce fstebncn`e` lngeginfre y ce begie tre`ninmgec cm vf imhm ug gniom pere fxpeg`nr sus gfaminms. Fs fgtmgifs iueg`m fc prmbcfhe `f eiifsm `f sfrvninms lngeginfrms imhnfgze e rfimafrsf fg ug imgifptm hås ehpcnm4 ce ngicusnùg lngeginfre.‘ (Rme, 2:59).

Fgtmgifs ½Iùhm ce ngicusnùg lngeginfre nglcuyf fg ce rf`uiinùg `f ce nglmrhecn`e`= ½Iùhm sf `e fg fc Zfrô= Fg fc prfsfgtf fgseym `erfhms e imgmifr cms imgifptms prnginpecfs `f nglm nglmrh rhec ecn` n`e` e` cebm cebmre recc (eitn (eitnvn vn`e `e`f `fss qu quff gm tr trnb nbut uteg eg ec fste` fste`m, m,

gn fståg fståg `f `fbn bn`e `ehf hfgt gtff

rfanstre`es), ngicusnùg lngeginfre (fgierae`e `f mlrfifr fc låinc eiifsm e pfrsmges img pmie fimgmhèe) y imhm sf `e fg gufstrm peès Ce nglmrhecn`e` fs ugm `f cms heymrfs prmbcfhes quf sf `eg fg huioms peèsfs, pfrm pere im imgt gtng ngue uer, r, ½Uuî ½Uuî fs= ½Iùh ½Iùhm m elfit elfite= e= ½Z ½Zmr mr qu quîî sf `e `e== Yfaô Yfaôg g Fimg Fimgmh mhnp npf` f`ne ne (2 (2:2 :2:) :) ce nglmrhecn`e` tehbnîg fs imgmin`e imhm trebedm fg gfarm quf oeif rflfrfgine e ce eiinùg `f mb mbtf tfgf gfrr `ngf `ngfrm rm e tr trev evîs îs `f eitnv eitnvn` n`e` e`fs fs ncfa ncfaecf ecfs, s, ce ng nglm lmrh rhec ecn` n`e` e` ce cebm bmre recc fg fgac acmb mbee e ce cess miupei miu peinmg nmgfs fs y lmrhes lmrhes `f prm`ui prm`uiinù inùg g `f pfrsmg pfrsmges, es, iuyes iuyes eitnvn eitnvn`e` `e`fs fs gm smg rfauce rfauce`es `es cfaechf cfa echfgtf gtf,, tec tecfs fs imhm imhm trebed trebede`m e`mrfs rfs ng`fpf ng`fpfg`n g`nfgt fgtfs, fs, sfrvni sfrvninms nms `m `mhîst hîstnim nims, s, vfg`f` vfg`f`mrf mrfss ehbucegtfs, fgtrf mtres hås eitnvn`e`fs. Fstm e su vfz prmvmie quf fg cms peèsfs sf `f uge hfgmr iecn`e` `f fhpcfms, ec gm peaer nhpufstms cms ngarfsms `fc fste`m gm smg sulninfgtfs  pere quf puf`eg iubrnr img cms aestms `f su peès. Zmr mtrm ce`m, tfgfhms ug leitmr quf `f infrte hegfre eyu`e e quf fstf prmbcfhe rf`uzie, fste fs ce ngicusnùg lngeginfre quf sfaôg (AZLN, IEAEZ 2:55, imhm sf intù fg Ifhce, 2:59)

 

imgsn`freg quf ecu`f e ce sntueinùg fg ce quf tm`ms cms e`uctms fg f`e` `f trebeder, ngicun`ms equfccms equfc cms eituechfgtf eituechfgtf fxicun`ms fxicun`ms `fc snstfhe snstfhe lngeginfrm, lngeginfrm, hf`negtf

ngstntuinmg ngstntuinmgfs fs lmrhecfs

tnfgfg eiifsm flfitnvm e ce mbtfginùg `f irî`ntm, eomrrm, peams y sfaurms. Esè `f fste hegfre leincnteg`m e huioms `f cms quf gm tnfgfg sulninfgtf fimgmhèe puf`eg eiif`fr e irî`ntms img heymr leincn`e` y img fstf `ngfrm pmgfr ug gfaminm y ye pm`fr sustfgtersf, ces lngeginfres fgierae`es `f mlrfifr fstms sfrvninms F`pyhf, sfaôg Ier`mzm (2::2) ces f`pyhfs fstes tnfgfg ce luginùg `f mtmraer lngeginehnfgtm e fhprfg`f`mrfs, pfrsmges geturecfs y durè`nies quf sf `fsfgv `fsfgvufc ufcvfg vfg fg ces pfqufõ pfqufões es y hnirm hnirm fhprfse fhprfses, s, quf utncnzeg utncnzeg su prmpne prmpne iepnte iepntecc fimgùhnie, m quf prmvfgaeg `f `mgeinmgfs. Fstes fståg eutmrnze`es e imgif`fr irî`ntms `nrfitms e imrtm, hf`negm y ceram pcezm; mtmraer evecfs, lnegzes y mtres aeregtèes; `fsimgter  cftres `f iehbnm y peaerîs, fti., esè hnshm smg imgsn`fre`es ces fhprfses hås eiifsnbcfs, `f fste hegfre eyu`e e `nshngunr ce pmbrfze f ngifgtnver ec fhprfg`f`urnshm. Fg fc Zfrô ½Iùhm sf `e ce ngicusnùg lngeginfre y ce nglmrhecn`e`= Fg iiesm esm `f gufstrm peès pmr  cm hnshm quf ve fg vèes `f `fserrmccm ce vernebcf `f nglmrhecn`e` cebmrec tnfgf areg prfsfgine  Lnaure 54 Nglmrhecn`e` pmr @fpertehfgtms 2:5? vs 2:51 

fg fc hfrie`m `f trebedm fg ug eprmxnhe`m `f ug

1:%

`f

ce

ZFE

(Zmbceinùg

Fimgùhniehfgtf Eitnve) `fc peès, y sf `e fg sfitm sfi tmrf rfss im imhm hm –e –ear armp mpfi fiue uerne rne,, fg `m `mg` g`ff fc gnvf gnvfcc `f ng nglm lmrh rhecn ecn`e `e` ` fs `f >< >.02% e 12.65%), pfrm e `nlfrfgine `f mtrms peèsfs fste iegtn`e` fs rfechfgtf bede, imhm sf hufstre fg ce c e  lnaure 5, fc `f `fpe pert rteh ehfg fgtm tm qu quff tnfg tnfgff heymr nglmrhecn`e` fs Ouegievfcnie y hfgmr   pmrifgtedf `f nglmrhecn`e` fs Cnhe, fstm  Gmte. E`epte`m `f Nglmrhecn`e` pmr @fpertehfgtms 2:5? vs 2:51 , `f  Gmte. E`epte`m Ifgtrm `f Ngvfstnaeinùg `f Fimgmhèe y Gfaminms Acmbecfs `f E@F_, 2:2:. Fxtreè`m `f ottp4//www.infg.e`fxpfru.mra.pf/wpimgtfgt/upcme`s/2:5?/:1 imgtfgt/upcm e`s/2:5?/:1/@flngninmgfs-y-Rfpfrius /@flngninmgfs-y-Rfpfriusnmgfs-`f-cenmgfs-`f-ceNglmrhecn`e`-@P-2:2:-:5.p`l 

`fbn`m e ces eitnvn`e`fs `f earmpfiuerne y imhfrinm tre`ninmgec. Zîrfz (2:2:)

 

Fg iuegtm e ce ngicusnùg lngeginfre, fc 10.10% `f cms trebede`mrfs pfruegms gm fståg ngicun`ms fg fc snstfhe lngeginfrm, esè hnshm rfimhnfg`eg quf fs gfifsernm tfgfr fg iufgte quf pere rf`uinr ce nglmrhecn`e`, fc irfinhnfgtm fimgùhnim `fbf nr cnae`m e pmcètnies imhm ce cuioe imgtre ce imrrupinùg, lcfxnbncn`e` cebmrec, hf`n`es quf pfrhnteg fstebcfifr ug fquncnbrnm fgtrf cms `frfioms cebmrecfs y imgtrmc `f gmrhes. Iebf rfsecter quf fc ngarfsm pfr iåpnte sf oe `upcnie`m y ce pmbrfze sf oe rf`uin`m fg hås `f vfngtf vfn gtf pugtms pugtms pmrifg pmrifgtue tuecfs, cfs, fc `fsfhp `fsfhpfõm fõm fimgùh fimgùhnim nim sf oe vnstm, vnstm, fstm fstm oe treè`m treè`m imhm imhm imgsfiufgin imgsfi ufginee fc ngirfhfgtm `fc `îlnint `îlnint lnsiec y fc fg`fu`ehnf fg`fu`ehnfgtm gtm `fc sfitmr pôbcnim. pôbcnim. (Begim Hug`nec, 2:5?). (Z. 5>) Imhm sf intù Zrnecf (2:5?) (…) Fg ug imgtfxtm `f irfinhnfgtm `fc ZBN y `fc ZBN pfr iåpnte, fc teheõm tmtec `f ce iertfre `f prîstehms `f ces ngstntuinmgfs lngeginfres y fc gôhfrm `f `fu`mrfs pmr ie`e 5,::: pfrsmges sf ngirfhfgtù. Fstm gms `e e imgmifr quf fc teheõm  prmhf`nm `f `fu`e `f ce pmbceinùg oe euhfgte`m fg cms ôctnhms eõms. Fstf imhpmrtehnfgtm sf fxpcnie pmrquf hås pfrsmges fståg tfgnfg`m eiifsm ec irî`ntm y, e`fhås, pmrquf ces  pfrsmges img eiifsm prfvnm fståg useg`m hås cègfes `f irî`ntm. (Z.60) Fg gufstrm peès fxnstf uge areg iegtn`e`fs `f f`pyhfs quf leincnteg fc eiifsm `f irî`ntm e `nlfrfgine `f mtres fgtn`e`fs lngeginfres, sng fhberam ces teses smg rfaucerhfgtf ectes, pmr  fccm sf rfimhfg`erèe quf sf usf fstå e cms ngninms y cufam iehbner `f fgtn`e`fs snfhprf y iueg`m img uge bufge ngvfstnaeinùg `f fste. Eituechfgtf, `e`e ce imyugture sf `nif quf ces lehncn leh ncnes es pu`nfg pu`nfgtfs tfs sfaunr sfaunråg åg pu`nfg pu`nfgtfs, tfs, y cms pmbrf pmbrfss sfråg sfråg hås pmbrfs, pmbrfs, y fstm rfechfgtf rfechfgtf  prfmiupegtf y uge mpinùg quf eyu`f e imhbetnr fstm, sfrèeg ces f`pyhfs oeinfg`m quf fc nhpeitm sfe hfgmr y tfgaeg hås mpmrtugn`e`fs `f secnr e`fcegtf. Imgicusnùg

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Ce nglmrh nglmrhecn ecn`e` `e` dugtm dugtm e mtres mtres verneb vernebcfs, cfs, smg smg ieuses ieuses prngin prnginpec pecfs fs `f quf fc peès peès gm tfgae tfgae ug bufg `fserrmccm fimgùhnim, fg fc Zfrô imhm cm hfginmge Zîrfz I. (2:2:) e pfser  `f quf oeye `nshngun`m ce tese `f nglmrhecn`e` fste fs bede e `nlfrfgines `f mtrms  peèsfs, y ugm `f cms leitmrfs quf eyu`e e imhbetnr fstm fs ce ngicusnùg lngeginfre quf  puf`f `er ug låinc eiifsm `f prîstehm e pfrsmges fhprfg`f`mres, geturecfs m  durè`nies, imhbetnfg`m ce pmbrfze y e su vfz eyu`eg`m e ces pfrsmges e secnr e`fcegtf.

RFLFRFGINEY4

 

Ier`mzm E. (2::2). Pfsns4 Yntueinùg eituec `f ces fgtn`e`fs `f `fserrmccm pere ce pfqufõe y hnirm fhprfse fg fc `fpertehfgtm `f Znure. Znure . Vgnvfrsn`e` `f Znure. Rfpmsntmrnm ngstntuinmgec Znroue. (Z. 5:2) Rfiupfre`m `f4 ottps4//pnroue.u`fp.f`u.pf/bntstrfeh/oeg`cf/55:02/59:6/FIM]:56.p`l=sfqufgif85 @fperthfgt @fperth fgt ml Fimgmh Fimgmhni ni eg` Yminec Yminec Ellenrs Ellenrs (2:5>) (2:5>).. Qmrc` Zmpucetnm Zmpucetnmg g Zrmspfits Zrmspfits 2:5>. 2:5>. Vgntf` Getnmgs. Rfiupfre`m `f ottps4//pmpucetnmg.ug.mra/wpp/Zubcnietnmgs/Lncfs/QZZ2:5>]Onaocnaots.p`l  On`ecam On`eca m E. (2:5?) (2:5?)..  Nglmrh Nglmrhecn ecn`e` `e` cebm cebmrec rec fg fc Zfrô Zfrô y su rfceinù rfceinùg g img fc irfinhn irfinhnfgt fgtm m fimgù fim gùhni hnim m f ngicus ngicusnùg nùg lngegi lngeginfre nfre.. Esb Esbegi egi Yfhege Yfhegecc Afrfgi Afrfgine ne `f Fstu`n Fstu`nms ms Fimgùh Fimgùhnim nims. s. Rfiupfre`m `f4 ottps4//www.esbegi.imh.pf/Zubcnieinmgfs/Esbegi-Yfhegec-215.p`l  Lmrtôg H. (2:2:).  Nglmrhecn`e` cebmrec. Fim img gmhnp mhnpf` f`ne ne.. ottps4//fimgmhnpf`ne.imh/`flngninmgfs/nglmrhecn`e`-cebmrec.othc

Rfiu Rfiup pfr fre` e`m m

`f

Zîrfz I. (2:2:). @flngninmgfs (2:2:). @flngninmgfs y rfpfriusnmgfs `f ce nglmrhecn`e`. Ifgtrm `f ngvfstnaeinùg `f fimg fimgm mhèe hèe y gfam faminms inms acmb cmbecfs ecfs.. Rfiu fiupfr fre` e`m m `f ottp4//www.infg.e`fxpfru.mra.pf/wpimgtfgt/upcme`s/2:5?/:1/@flngninmgfs-y-Rfpfriusnmgfs-`f-ce-Nglmrhecn`e`-@P-2:2:-:5.p`l  Zrnecf A. (2:5?). @mitmre`m fg Infgines Yminecfs y Ouheges4 Ngicusnùg Lngeginfre fg fc Zfrô4 egåcnsns `f cms prnhfrms `ftfrhngegtfs. Zmgtnlnine Vgnvfrsn`e` Devfrnege. Rfiupfre`m `f4ottps4//rfpmsntmry.devfrnege.f`u.im/bntstrfeh/oeg`cf/5:660/09:51/Pfsns%2:-%2:Ngicusnmg `f4ottps4//rfpmsntmry.devfrnege.f`u.im/bntstrfeh/oeg`cf/5:660/09:51/Pfsns%2:-%2:Ngicusnmg %2:Lngeginfre%2:fg%2:fc%2:Zfr%I9%BE%2:eg%I9%E5cnsns%2:`f%2:cms %2:prnginpecfs%2:`ftfrhngegtfs].p`l=sfqufgif85&nsEccmwf`8y Rme H. (2:59). Ngicusnùg (2:59). Ngicusnùg lngeginfre fg Ehîrnie Cetnge y fc Iernbf4 eiifsm, usm y iecn`e` . IFHCE. Rfiupfre`m `f ottps4//www.rfsferioaetf.gft/prmlncf/Herne]Rme2/pubcnietnmg/2121095