<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2301-0665</journal-id>
<journal-title><![CDATA[Revista de la Facultad de Derecho]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. Fac. Der.]]></abbrev-journal-title>
<issn>2301-0665</issn>
<publisher>
<publisher-name><![CDATA[Facultad de Derecho. Universidad de la República.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2301-06652020000102109</article-id>
<article-id pub-id-type="doi">10.22187/rfd2020n48a9</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Los dilemas de la inclusión financiera: contexto y mirada desde la realidad chilena]]></article-title>
<article-title xml:lang="en"><![CDATA[The Dilemmas of Financial Inclusion: Context and Appraisal from the Chilean Reality]]></article-title>
<article-title xml:lang="pt"><![CDATA[Os dilemas da inclusão financeira: contexto e avaliação da realidade chilena]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Goldenberg Serrano]]></surname>
<given-names><![CDATA[Juan Luis]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Pontificia Universidad Católica de Chile Facultad de Derecho ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Chile</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2020</year>
</pub-date>
<numero>48</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_arttext&amp;pid=S2301-06652020000102109&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_abstract&amp;pid=S2301-06652020000102109&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.edu.uy/scielo.php?script=sci_pdf&amp;pid=S2301-06652020000102109&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: La inclusión financiera trata de un modelo expansivo de la oferta de los productos y servicios financieros al más amplio espectro de la población, fundado en que, especialmente por medio del crédito, se potencia una mayor participación en la actividad económica, configurando una estrategia público-privada para la superación de la pobreza. El modelo, sin embargo, debe prestar especial atención a la mayor vulnerabilidad de los sectores de menores ingresos, fortaleciendo las herramientas de protección del consumidor financiero. En el contexto chileno, en que se ha abrazado la inclusión financiera como un propósito gubernamental, debe trabajarse con especial celo en esta segunda dimensión para evitar la construcción de una sociedad sobreendeudada.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: Financial inclusion refers to an expansive model of the supply of financial products and services to the broadest spectrum of the population, based on the fact that, especially through credit, a greater participation in economic activity is promoted, formulating a public/private strategy for overcoming poverty. However, this model must consider the greater vulnerability of the low-income population, strengthening the tools for financial consumer protection. In the Chilean context, where financial inclusion has been embraced as a governmental purpose, this second dimension shall be stressed as to avoid the construction of an over-indebted society.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo: A inclusão financeira é um modelo expansivo de oferta de produtos e serviços financeiros para o espectro mais amplo da população, com base no fato de que, principalmente por meio do crédito, é promovida uma maior participação na atividade econômica, estabelecendo uma estratégia público-privado para superar a pobreza. O modelo, no entanto, deve prestar atenção especial à maior vulnerabilidade dos setores de menor renda, fortalecendo as ferramentas financeiras de proteção ao consumidor. No contexto chileno, no qual a inclusão financeira foi adotada como objetivo governamental, deve-se trabalhar um zelo especial nessa segunda dimensão para evitar a construção de uma sociedade sobreendividada.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[exclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[pobreza]]></kwd>
<kwd lng="es"><![CDATA[protección del consumidor financiero]]></kwd>
<kwd lng="es"><![CDATA[sobreendeudamiento]]></kwd>
<kwd lng="en"><![CDATA[Financial Inclusion]]></kwd>
<kwd lng="en"><![CDATA[Financial Exclusion]]></kwd>
<kwd lng="en"><![CDATA[Poverty]]></kwd>
<kwd lng="en"><![CDATA[Protection of the Financial Consumer]]></kwd>
<kwd lng="en"><![CDATA[Overindebtedness]]></kwd>
<kwd lng="pt"><![CDATA[inclusão financeira]]></kwd>
<kwd lng="pt"><![CDATA[exclusão financeira]]></kwd>
<kwd lng="pt"><![CDATA[pobreza]]></kwd>
<kwd lng="pt"><![CDATA[proteção financeira do consumidor]]></kwd>
<kwd lng="pt"><![CDATA[sobreendividamento]]></kwd>
</kwd-group>
</article-meta>
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