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Formal credit in Argentina: an analysis with gender perspective

Laura Muriel Cuccaro (), Máximo Sangiácomo () and Lucía Tumini ()
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Laura Muriel Cuccaro: Central Bank of Argentina
Máximo Sangiácomo: Central Bank of Argentina
Lucía Tumini: Economic Commission for Latin America and the Caribbean

in BCRA Paper Series from Central Bank of Argentina, Economic Research Department, currently edited by Germán Feldman

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.

Keywords: credit; gender; delinquency; personal finances; financial inclusion (search for similar items in EconPapers)
JEL-codes: D14 E5 G2 J16 (search for similar items in EconPapers)
Date: 2022
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