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BISWorkingPapersNo1200FinancialinclusiontransitionsinPeru:Doeslaborinformalityplayarole?byJoseAurazoandFaridGasmiMonetaryandEconomicDepartmentJuly2024JELclassification:C23,D14,E26,I31,O17Keywords:Financialinclusion;laborinformality;transitionprobabilities;dynamicrandom-effectpanelprobitBISWorkingPapersarewrittenbymembersoftheMonetaryandEconomicDepartmentoftheBankforInternationalSettlements,andfromtimetotimebyothereconomists,andarepublishedbytheBank.Thepapersareonsubjectsoftopicalinterestandaretechnicalincharacter.TheviewsexpressedinthemarethoseoftheirauthorsandnotnecessarilytheviewsoftheBIS.ThispublicationisavailableontheBISwebsite(www.bis.org).©BankforInternationalSettlements2024.Allrightsreserved.Briefexcerptsmaybereproducedortranslatedprovidedthesourceisstated.ISSN1020-0959(print)ISSN1682-7678(online)FinancialinclusiontransitionsinPeru:Doeslaborinformalityplayarole?∗JoseAurazo†FaridGasmi‡July2024AbstractLowfinancialinclusionandhighlaborinformalityaretwomajorchallengesindevelopingcountries.UsingPeruviansurveydatafrom2015-18,weexplorethedynamicrelationshipbetweenthesetwovariablesbyexamininghowlaborinformalityandmovementsbetweenformalandinformaljobsmayaffectthetransitionprobabilitiesoffinancialinclusion.First,wefindthatbecominginformallyemployedreducestheprobabilityofenteringtheformalfinancialsystemby8per...