IDEAS home Printed from https://ideas.repec.org/b/bcr/estudi/07.html
   My bibliography  Save this book

Formal credit in Argentina: an analysis with gender perspective

Author

Listed:
  • Laura Muriel Cuccaro

    (Central Bank of Argentina)

  • Máximo Sangiácomo

    (Central Bank of Argentina)

  • Lucía Tumini

    (Economic Commission for Latin America and the Caribbean)

Abstract

The Covid-19 pandemic had differential impacts on women and deepened the structural problems they face to achieve their economic autonomy, such as limited access to formal financial system and excessive indebtedness. Using novel data from administrative records, we study the ways in which women access and participate in the formal credit and whether or not the financial system of Argentina contributes to widening the gender gap originated in the labour market. After controlling for individual-specific characteristics, including personal income, the econometric results suggest that, for people working in the formal sector and with formal credits, the differences in access to finance are explained to a large extent, although not exclusively, by the unfavourable labour insertion of women compared to men. Simultaneously, the study finds robust evidence that women have lower delinquency rates on loans than men.

Suggested Citation

  • Laura Muriel Cuccaro & Máximo Sangiácomo & Lucía Tumini, 2022. "Formal credit in Argentina: an analysis with gender perspective," BCRA Paper Series, Central Bank of Argentina, Economic Research Department, number 07, November.
    • Handle: RePEc:bcr:estudi:07
    as

    Download full text from publisher

    File URL: https://bcra.gob.ar/Institucional/DescargaPDF/DownloadPDF.aspx?Id=1031
    File Function: Spanish version (versión en Español)
    Download Restriction: no
    ---><---

    More about this item

    Keywords

    credit; gender; delinquency; personal finances; financial inclusion;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit
    • G2 - Financial Economics - - Financial Institutions and Services
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bcr:estudi:07. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Federico Grillo (email available below). General contact details of provider: https://edirc.repec.org/data/bcraaar.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.