Inclusão financeira e crescimento económico: perspectivas empíricas das economias emergentes.
DOI:
https://doi.org/10.51247/st.v9iS2.356Palavras-chave:
inclusão financeira; crescimento econômico; finanças digitais; economias emergentes; resiliência; regulação.Resumo
Este estudo analisou a relação entre a inclusão financeira e o crescimento econômico sustentável em economias emergentes, com ênfase no acesso bancário tradicional e nas inovações financeiras digitais. O objetivo foi determinar em que medida a inclusão financeira contribui para o crescimento macroeconômico, a resiliência e o desenvolvimento equitativo. Foi adotada uma metodologia mista, combinando análise doutrinária dos marcos regulatórios e institucionais com investigação empírica baseada em evidências comparativas de economias emergentes selecionadas. Foram considerados indicadores quantitativos relacionados à penetração bancária, aos serviços financeiros digitais e ao desempenho econômico, juntamente com estudos de caso qualitativos na Índia, Quênia, Bangladesh e Filipinas. Os resultados demonstraram que a inclusão financeira aumentou significativamente a acumulação de capital, o investimento produtivo e a resiliência das famílias, enquanto as finanças digitais ampliaram o acesso e reduziram os custos de transação. Além disso, a qualidade institucional e os marcos regulatórios foram identificados como fatores moderadores fundamentais da relação entre inclusão e crescimento. Concluiu-se que a inclusão financeira constitui um mecanismo estratégico para promover o crescimento econômico sustentável, reduzir desigualdades estruturais e fortalecer a resiliência econômica nos mercados emergentes.
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Direitos de Autor (c) 2026 Boukhari Fatna
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