Financial exclusion in Spain. Sara Carreño Iglesias Andrés Fernández Rodríguez Andrea Rodríguez García. Index. Background of Spain Level of financial exclusion Causes and consequences Government role Institutions Alternative way to finance projects Caja España y Montes de Piedad
Sara Carreño Iglesias
Andrés Fernández Rodríguez
Andrea Rodríguez García
21,6% underthepoverty line
Since 2008, near 10,500 bank branches have close in Spain
The most affected provinces are:
Castillaand León the 75% of its municipalities
353,836 inhabitants = the 13.9% of the region’s total population
Internet and telephone banking
E-commerce it is not very popular
Is essential that people have access to information and communications technology to prevent their financial exclusion
arising from the supply side
started by the demand part
The exclusion via conditions.
The fear of losing financial control.
Cultural and religion reasons.
The preference of alternative suppliers
The access difficulties
Incomes through their bank account
payment of bills gets costly
is the collection of finance from backers—the "crowd"—to fund an initiative and usually occurs on Internet platforms. The initiative could be a nonprofit campaign, a political campaign, a charitable campaign, a commercial campaign or a financing campaign for a startup company.
The Cosmonaut is a Spanish science fiction film, released in May 2013. It is one of the best known cases of the use of crowdfunding in our country.
Club Balonmano Ademar León is a Spanish handball team founded in our city, León. The team plays in Liga ASOBAL and Velux EHF Champions League.
They offered :
5 € = thanks and post tweet
20 € = video with the best moments
30 € = email@example.com
35 € = VIP tickets
50 € = the name in the stadium
100 € = End of Season Dinner
150 € = the name on the shirt of a player
500 € = clinic with coaches
600 € = play a game: fans vs official team
These organizations are a “peculiarity” of the Spanish financial systems that fight against poverty and financial exclusion.