Photo of Elizabeth Bermeo

Dr Elizabeth Bermeo


  • BS8 1SS


Research output per year

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Personal profile

Research interests

My research focuses on financial inclusion from the perspective of individuals and households, specifically on the identification of socio-economic, institutional, legal, and cultural barriers that prevent individuals from using the formal financial system. Methodologically, my interests are in the application of quantitative methods including multi-level and spatial modelling to determine patterns of exclusion at national and local levels.

Previous projects conducted include analysis and reporting of results from the Peruvian Baseline Survey of Financial Literacy, commissioned by the Superintendency of Banking, Insurance and Private Pension Funds of Peru (SBS) and the Organization for Economic Cooperation and Development (OECD); implementation, monitoring and evaluation of the National Programme on Financial Literacy for High School Students in Peru; a comparative analysis of the educational systems of Peru and South Korea; and analyses of trade and tourist flows using gravity models.

External positions

Research Associate, Personal Finance Research Centre (PFRC)


8087 ESRC CDT Fellowship E Bermeo-Velasquez

Bermeo , E.


Project: Research

Research Output

  • 3 Article (Academic Journal)
  • 2 Conference Abstract

Does access to financial services increase financial inclusion?

Bermeo, E., Mar 2016, p. 48. 1 p.

Research output: Contribution to conferenceConference Abstract

  • Gender equality norms and financial inclusion of women: A multi-level analysis

    Bermeo, E., May 2016, p. 3. 5 p.

    Research output: Contribution to conferenceConference Abstract

  • Patterns and Potentials of Peru's International Trade: A Gravity Approach

    Bermeo, E. & Oh, J., 1 Dec 2016, In : Regional and Sectoral Economic Studies. 16, 2

    Research output: Contribution to journalArticle (Academic Journal)

    Open Access
  • 84 Downloads (Pure)

    Supervised Work

    Determinants of financial inclusion: results of multilevel analyses

    Author: Bermeo , E., 1 Oct 2019

    Supervisor: Fox, S. (Supervisor)

    Student thesis: Doctoral ThesisDoctor of Philosophy (PhD)